Working from home

You are covered by our Home Insurance if you’re doing desk-based work from home, such as working on a computer or laptop. You don’t need to tell us about this.

Business equipment

If you're using business equipment owned by your employer, for example a laptop, it’s their responsibility to insure it. You don’t need to add it to your policy.

Their equipment is not covered under our Home Insurance policy, unless you're responsible for any damage to the equipment under the terms of your employment.

If the business equipment is owned by you, it will be covered under your Contents Insurance. Please check your policy documents for details and limitations.

Staying at home more

When you took out Home Insurance, we would have asked you how often you are at home. Don’t worry, you don’t need to tell us if you are staying at home more than usual due to coronavirus.

Leaving your home empty

Usually our policy will cover your unoccupied home for 60 days before restrictions apply. However, we'll remove these restrictions if you can’t avoid leaving your house unoccupied as a result of the Government advice to stay at home, self-isolation, being unable to travel home from abroad, or being in hospital due to coronavirus.

If you do need to leave your home unoccupied, we have some tips on how to protect it:

  • Ask a neighbour to keep an eye on your home.

  • Make sure your windows and doors are locked, remove the keys and set your alarm, if you have one.

  • Switch off and unplug electrical items.

  • Turn your gas and water off at the mains unless they are being used for an automatically controlled heating system.

If a friend or carer is staying with you

If anyone other than your family is staying in your house, certain restrictions apply. However, we’ll lift these restrictions if a friend or carer is staying with you as a result of coronavirus.

If your friend or carer continues to stay with you after the Government advice to stay at home or self-isolation finishes, you must tell us so we can update your policy.

I’m worried about being able to pay for my insurance due to coronavirus, what can I do?

We’re here to help so if you’re worried about paying your home insurance due to coronavirus, get in touch as soon as you can.

We’ll discuss the options available to you. And rest assured, all conversations are confidential.

Item cover while you stay elsewhere

We'll cover items owned by you if you take them with you if you’re staying elsewhere due to coronavirus. This includes cover for loss, damage by fire or theft using force or violence.

Check your policy documents for a full list of what we do and do not cover.


If you’ve been asked to give us a valuation within 30 days and you can’t due to following the Government advice to stay at home or self-isolating, don’t worry. Your items will be covered. After restrictions are lifted, we will send you another reminder, and you can send us your valuation then. Information about how to send us a valuation is in your policy documents.

Alternatively, you can email a receipt to us, if you have one.

Please include:

  • your name

  • your address

  • your policy number

  • photographs of the item(s)

Requesting renewal documents or duplicates

If you did not get your renewal documents because the post was disrupted or you were in hospital during the coronavirus outbreak, you’ll need to get in touch about reinstating your policy.

You can also contact us to request another set of documents.

You’ll need to let us know:

  • your name

  • your address

  • your policy number

If you need to renew your policy within the next 24 hours, please call us.

Adding a high value item to your policy

To add a high value item to your policy please call us to update your policy.

Making a claim

Please call us for urgent claims.

You can also make a claim online (link opens in a new window)

Getting in touch


Go to our Contact us page, where you can start a live chat or find our phone number if you need to speak to us.

Home Insurance policy terms and conditions

For full details about what’s covered, please see the policy terms and conditions.