Coronavirus help and support for our insurance customers


Working from Home Insurance

Property insurance including specific cover for people who are working from home.

  • Buildings cover, contents cover and property owner’s liability with a £2 million limit of indemnity available
  • Standard office equipment cover up to £3,000 (can be extended)
  • Temporary accommodation for you to continue working if your home becomes uninhabitable through an insured accident

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0344 892 1750
01206 780 489

Weekdays 9:00am - 5:30pm

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Features of our working from home insurance

Office equipment cover while working from home

If you use office equipment when working in your home, it may not be covered by your standard home contents policy. We can offer you the peace of mind of knowing this equipment is covered up to the value of £3,000, with the option to increase to £10,000. Malicious damage cover comes as standard and accidental damage cover can be added.

Protection against fraudulent use of personal credit cards

Our policy may cover financial loss from fraudulent use by any unauthorised person (excluding yourself or family members) of personal credit cards up to £2,000. Please note that you must report any suspected fraudulent use of your personal card(s) to the police within 24 hours of discovery.

Property owners' liability

Should injury, illness or accidental death occur at your property, the policy may cover up to £2 million cover plus defence costs and expenses incurred.

Temporary accommodation so you can keep working

Should your home be made uninhabitable by an accident caused by an insured peril, our policy will cover the temporary accommodation for your home to allow you to continue to work until your home is restored to a habitable condition. We offer up to the value of 20% of the sum insured on buildings and contents.

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Working from Home Insurance Claims

If and when it comes to the crunch and you need to make a claim, we'll send the details of your claim to the insurer to get your claim resolved as quickly as possible.

If there are any complications with your claim, we’ll follow this up with the insurer and keep you updated with the progress of your claim.

Call us on:

01708 777 710

Lines are open: Weekdays 9am-5pm, Sat 9am-1pm

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Working from Home Insurance FAQs

Do I need working from home insurance?

If you or any tenants are carrying out clerical work from home during the Covid-19 crisis, 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 or have employees or work visitors to the property or have extensive office equipment as part of your home working set up you may want to consider adding cover for working from home to your standard home policy.

Although you may have insurance to cover aspects of your business with another insurer, we will cover the fact you do work from home and 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.

Would I still be covered for theft under a working from home insurance policy?

Yes, as long as there is forcible and violent entrance to or exit from your property you will be covered. However, you will not be covered otherwise (e.g. for theft from any business visitors admitted to your property).

What excess do I have to pay on this policy?

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.

Can I pay for my insurance policy in instalments?

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.

What do I do if I need to cancel my cover?

You are entitled to a full pro-rata refund of the premium paid if you find the policy unsuitable for your needs and cancel it within 14 days of receipt of your policy documents (as long as no claims have been made). If you need to cancel your cover you will be charged relevant administration costs for setting up the policy.

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.

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