By Remy Maisel
Working from home had become the norm for many before the coronavirus pandemic struck Europe. In fact, more than four million UK workers were already working from home – that’s about one in seven UK workers 1.
Working from home can have a big impact on your life, as more people are seeing in the current climate. With kids and partners also at home, there’s increased disruption to everyday life – as well as the mundane but important considerations, like home insurance.
Now, one in eight Brits isn’t sure if their home office equipment will be covered on their home insurance policy 2.
More office equipment at home?
Considering the unprecedented circumstances, you may have more office equipment at home than usual. We’re being flexible about covering this equipment for the next three months, even if it’s not normally covered under your core or extended home office policy.
From 23 March 2020, home office equipment is treated as ‘contents’ and it’ll be covered under all our home insurance products up to your sum insured for any valid claim 3. Some claims can be paid out within two hours with Amazon vouchers or via companies like ao.com, so you could get a replacement delivered if the company is operating during lockdown.
More people at home = potential accidents
We know that ‘accidental damage’ home insurance claims rise during the school holidays, with Aviva claims in August 2018 almost a third higher than in June 2018. The most common claims included destroyed TVs, phones, and carpets 4.
“Our claims data seems to suggest a relationship between school holiday periods and an increase in accidental damage claims. It makes sense that having more people at home - particularly children - increases the risk of mishaps around the house,” said Adam Beckett, Product Director.
It’s worth making sure that you have enough home insurance cover for your needs and that you’ve looked into accidental damage cover for extra protection 5.