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If you work from home in the UK, you may need business insurance depending on your specific situation. Here’s what you need to know: For Remote Employees If you’re an employee working remotely (for example, if you’re a full-time office worker who now works from home), typically: Your employer’s insurance should cover company-provided equipment like laptops and phones Your standard home insurance may be sufficient, but you must inform your insurer about your home working arrangement Check with your employer about their insurance coverage for remote workers 💡 Example: If you’re a marketing manager working remotely for a London-based company, your work laptop and phone should be covered by your employer’s insurance. However, you should still notify your home insurer that you’re working from home to ensure your home insurance remains valid. When You Definitely Need Business Insurance You need dedicated business insurance if you: Store valuable stock or materials at home (such as if you’re a craftsperson or retailer) Use specialised equipment worth more than your home insurance’s single-item limit Have clients or employees visiting your home Take business equipment outside your home regularly Equipment Coverage For basic equipment like laptops and phones: If you’re an employee, your employer’s insurance should cover company-provided equipment If you’re self-employed, check if your home insurance provides adequate coverage Consider additional business contents insurance for specialised or high-value equipment Next Steps Contact your current insurer to: Declare your home working status Understand your current coverage limits Identify any gaps in protection that need addressing Have unanswered questions? Chat to us today to discuss your unique situation – We’re here to help!

Key points: There’s no UK law that makes buildings insurance compulsory. Most mortgage lenders insist on cover from exchange of contracts. Outright owners can skip it, but would face the full rebuild cost if disaster strikes. Leasehold flats are usually covered by a block policy arranged by the freeholder or management company. Buildings cover protects you from potentially six‑figure repair bills. Not by law. However, most mortgage lenders require you to have buildings insurance in place from exchange of contracts to protect their loan. Cash‑buyers & outright owners: you’re free to go uninsured, but you’d have to fund any rebuild costs yourself. Leasehold flats: your freeholder or management company will normally arrange a block policy and recharge you. For details of what a policy typically includes, see our guide What does buildings insurance cover?. In short, while not legally mandatory, buildings insurance is strongly recommended to avoid potentially six‑figure repair bills.

Yes, your insurance extends to cover the contents of your fridge and freezer, protecting the value of the items stored in these appliances. In the event of unforeseen circumstances leading to damage or loss, your insurance is designed to compensate up to the specified limit. Standard Coverage Value As part of our standard coverage, it covers the value of fridge and freezer contents up to £750. This baseline coverage ensures that your appliances store a range of items, such as perishable food items, with compensation available in case of an incident. Assessing Coverage Adequacy You should assess the value of the contents in your fridge and freezer to determine whether the standard coverage aligns with your needs. Homeowners with higher-value items or larger quantities of stored food may consider exploring options to enhance this coverage. Flexible Coverage Options Understanding that individual needs vary, our insurance provides flexibility. Homeowners can explore additional coverage options or adjust limits to better suit their requirements. This ensures a personalised approach to insurance that aligns with the specific circumstances of each household. Claiming for Damaged or Lost Contents In the unfortunate event of damage or loss to the contents of your fridge or freezer, the claims process is designed to provide timely and efficient compensation. Familiarise yourself with the claims procedure for a smoother experience should the need arise. Summary By exploring the coverage for the contents of your freezer, you actively assess the adequacy of standard coverage and make informed decisions about adjustments based on the value of your stored items.

Choosing the right level of personal belongings cover is crucial for comprehensive protection. Our policies offer the flexibility to select coverage up to £20,000, allowing you to safeguard your belongings with confidence. Tailoring coverage to your needs Whether you have a modest collection of personal items or high-value possessions, our customisable options ensure that you can tailor the coverage to suit your unique requirements. This way, you have the peace of mind that comes with knowing your belongings are adequately protected. Specifying high-value items In situations where you own individual items surpassing £2,000 in value, our policy allows for their separate specification. By doing so, you ensure that these high-worth belongings receive the specific attention and coverage they deserve, contributing to a more comprehensive and personalised insurance solution.

Yes, your robotic mower counts as domestic garden machinery, so any loss or damage caused by the insured perils is covered under the Contents section while it’s on your property. Theft from an open garden is capped by the “Contents in the open” limit on your Schedule (typically £1,000). Storing the mower in a locked attached garage or lean-to moves cover up to your full Contents sum-insured (standard £100 k). In a locked detached outbuilding, it comes under the combined Outbuildings-contents pool of £5 k (extendable to £10 k). Away-from-home cover isn’t available. Personal Belongings only applies to items “you might wear or carry”; it excludes motor-powered devices (other than small carve-outs such as mobility scooters Mechanical or electrical breakdown and gradual wear-and-tear aren’t insured. How the policy treats a robot mower Scenario Where the cover sits Key limits & conditions Fire, storm, flood, impact, malicious damage or theft while the mower is inside the home or an attached garage / lean-to See Contents – Section 2 Up to your overall Contents sum-insured (typically £100 k). No single-article limit because the mower isn’t High-Risk Property. Same perils while the mower is stored in a locked, detached shed, standalone garage or garden room Outbuildings-contents pool Combined limit £5,000 for all detached outbuildings (can be increased to £10,000 on request). Theft from the garden in the open (while mowing or docked outside) “Contents in the open” benefit Payout capped at the garden-contents limit on your Schedule (usually £1,000). Accidental Damage (e.g. driving over it, dropped while carrying) Optional Accidental Damage to Contents Available if you selected this add-on; Contents excess applies Taken off-site (neighbour’s lawn, holiday home) Not covered Personal Belongings excludes motorised vehicles and their accessories, so a robot mower can’t be added What isn’t covered Mechanical/electrical breakdown or wear-and-tear. Theft while unattended with security features disabled (policy may deem this “carelessness”). Amounts above your Contents sum-insured or the garden-contents limit if you haven’t increased them to reflect the mower’s value. Protection tips Anchor the charging dock to a solid surface and enable the PIN/GPS lock. Store overnight in a locked shed/garage to avoid the garden-limit cap Keep purchase receipts & serial number – they speed up claims.