On the 4th of January, the UK entered its 3rd Lockdown.  This meant that British citizens were instructed to stay at home in an effort to stop the spread of Covid-19. This in turn will see 32 million Britons being forced to work from home, again. This article will explore how the new guidance will impact your home insurance policy.

Due to the social distancing rules imposed by the government, millions of British people were instructed to leave their places of work again and work from home indefinitely, in order to slow the spreading of the virus.

When the UK first entered a lockdown back in March the Association of British Insurers (ABI) announced their commitments on the motor and home insurance, pledging to:

  • Support those who need to make a claim and do everything possible to continue handling claims despite the challenging circumstances.
  • Protect those who are working from home, by not affecting home insurance policyholders working from home. 
  • Support those who cannot work from home  by allowing them to continue to drive to their workplace without any changes in policy
  • Support those who use their cars to help their communities. If policyholders are using their own car for voluntary purposes to transport medicines or groceries to support others who are impacted by Covid-19, their cover won’t be affected. 
  • Support our key workers. Staff that is critical to the national response to Covid-19 and need to use their own car to drive to different locations for work purposes because of the impact of Covid-19, your cover will not be affected. 

On the 14th of December, the ABI reviewed their commitments and decided to extend them until at least the 19th of March when they will be reviewed again. But even so, if you are working from home there are some factors affecting your policy that you should consider. 

What does this mean for your Home Insurance Policy?

For home insurance policyholders, this means that insurance policies of office-based workers who needed to work from home because of government advice or self-isolation would not be affected. This comes to effect automatically and does not require an extension of cover or an update to insurance policies. 

Home insurance policy owners should still make sure that their home and contents insurance can still cover them whilst remote working. Some insurers have made statements highlighting their committed support for staff working from home, but it is important to know if your policy will cover you. 

All Three Castles Home Insurance policies work on a case by case basis, so please contact us and speak to one of our advisers to find out whether your policy covers you while working from home.