Working from Home Insurance

If you or any tenants are carrying out clerical work from home, for example using your own phone, computer or laptop to carry on working, then you should be covered under your standard home insurance.

However, if you are carrying out any other form of work; have employees or work visitors to the property; or have extensive office equipment as part of your work set up then you may want to extended your standard home policy to include working from home insurance.

Although you may have insurance to cover aspects of your business with another insurer, we will cover the fact that you are working from home. This will make sure your property is insured during this time and in the future.

Cover for malicious damage comes as standard on your home insurance policy, whilst accidental damage can be added.

You should ensure you have business liability insurance if your occupation requires it.

Yes. If you notify us you will have business visitors, and there is forcible and violent entrance to or exit from your property, you will be covered and can seek compensation. However, you will not be covered for other scenarios, such as theft from any business visitors admitted to your property.

You can choose an excess from £100. You can choose to increase this excess to reduce your premium. Speak to one of our helpful advisors for more details.

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

You are entitled to a pro-rata refund of the premium paid if you find the policy unsuitable for your needs and cancel it (as long as no working from home insurance claims have been made). If you need to cancel your cover you will be charged relevant administration costs.

Please call us or notify us in writing with the reason for cancellation and state the date from which you need cover to cease. Remember, if your policy is in more than one name, all policyholders will need to sign the letter. If you have any other queries, please don’t hesitate to contact the customer services team on 0344 892 1750.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.