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The Coronavirus and your Home or Motor insurance
As your local insurance broker we are keeping abreast of the fast moving and everchanging landscape in which we all find ourselves.
We have very many client’s who have had to move to working from home, or had to change their normal office commute to another office and all these things would normally be notifiable to your insurer and may affect your policy.
However, Insurers have come together and issued a joint agreement to accommodate the changing situations that individuals find themselves in. Please see the statement below:
ABI motor and home insurers have pledged to:
Support those who need to make a claim. Insurers have implemented business continuity plans and work closely with service providers to do everything possible in these challenging circumstances to continue to handle claims and support their customers. We recognise there will be many customers who will need additional support and insurers will prioritise those in vulnerable circumstances.
Support those who are working from home. If you are an office-based worker and need to work from home because of government advice or because you need to self-isolate, your home insurance cover will not be affected. You do not need to contact your insurer to update your documents or extend your cover.
Support those who cannot work from home. If you have to drive to your workplace because of the impact of Covid-19, your insurance policy will not be affected. You do not need to contact your insurer to update your documents or extend your cover.
Support those who use their cars to help their communities. If you are using your own car for voluntary purposes to transport medicines or groceries to support others who are impacted by Covid-19, your cover will not be affected. You do not need to contact your insurer to update your documents or extend your cover.
Support our key workers. If your work is critical to the national response to Covid-19 and you need to use your own car to drive to different locations for work purposes because of the impact of Covid-19, your cover will not be affected. You do not need to contact your insurer to update your documents or extend your cover.
The body clarified that these conditions only apply to private cars insured on private car insurance policies only. It does not cover use for hire or reward purposes. Key workers applies to everyone who works in one of the critical sectors listed by the government.
Any client who is concerned about their insurance should contact us with any questions you may have. Whilst all our staff are working home we can still be contacted in the normal way:
t: 01952 812380