For current information regarding insurances and COVID-19: we are regularly updating this landing page as the situation progresses, please check here for guidance.

Home Insurance FAQs

Information last updated: 02/04/2020

Financial support, here to help:

Did you know that most of our insurers are now offering instalment based payment for their policies, and on some home and motor solutions we are able to offer (and always have offered) interest-free direct debit payments. Allowing you to spread the cost of your insurance evenly across the year, helping you better manage your finances and reduce the impact of having to pay it ‘all in one go’.
 

Will working from home affect my home insurance policy?

If you are carrying out clerical work from home, such as using a phone and computer, then no – your policy is unaffected and there is nothing you need to do.

If you are carrying out other types of work at home, especially if it involves visitors coming to the property then please get in touch and let us know so we can make sure you have the right cover in place.

Am I covered if something happens to my work equipment at home?

If your employer has provided you with equipment to work, this will usually be covered by their business insurance so you do not need to add it your policy and there is nothing you need to do.

If you have purchased the equipment you are using for work, then you will usually be covered – for example, equipment such as a computer, telephone or printer is covered as standard. If the equipment that you have purchased is more specialist in nature and is used for non-clerical activities then please get in touch so we can make sure that you have the right cover in place.

I have had to purchase a number of items to get me through this period at home (e.g. computer, printer, children’s entertainment) but haven’t had a chance to add them to my policy. Am I covered?

This will depend on your specific policy so please check your policy schedule.

If your policy says you have unlimited sums insured, then don’t worry – you will automatically be covered for these type of goods and there is nothing you need to do.

If you have a specific sum insured then you may need to notify us so we can make sure you have the right cover in place. 

My home will be left unoccupied due to illness / being stuck abroad. Will this affect my home insurance policy?

If the period of unoccupancy is less than 60 days then in the vast majority of cases you will not need to notify us and will remain fully insured throughout.

If the period of unoccupancy becomes longer than 60 days, give us a call and we can discuss with your specific insurer. 

My parents/grandparents/other relatives will move in with me for this time. Do I need to notify you of this?

This will depend which type of policy you have with us. For some of our policies, you would automatically be covered in these circumstances.

Give us a call and we can check for you. 

I was due to have an appraisal at my property but this was cancelled due to the virus.

With home visits now suspended many insurers are now switching over to desktop and telephone appraisals as a temporary measure.

If you are still concerned that your sums insured are not correct following this, a full appraisal can be organised for after this crisis.

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