• If the insured is an office-based worker and needs to work from home because of government advice or because they need to self-isolate, their home insurance cover will not be affected & they do not need to contact us.
• If they have contents insurance, which includes cover for business equipment, then cover will be provided for the equipment they own and use from home, up to the limit specified on their policy.
• In order to be fully covered for Accidental Damage (AD) whilst at home, you must ensure the relevant AD cover has been purchased.
• If their employer has given them equipment to work from home, this would usually be covered under their employer’s business insurance, so they don’t need to add this to their policy.
Your clients do not need to inform us of any unemployment/furlough as a result of Coronavirus until the Government lifts its restrictions. You should not amend the policy if notified during this time.
We do not need to be made aware of any secondary occupations that have been taken up during this period. If this involves working from home, then your client is automatically covered for office work only. Please refer to our FAQ in relation to working from home for more information.
If your client continues to work in their secondary occupation or this becomes their primary occupation after the Coronavirus restrictions are lifted, they should inform you of this as part of their subsequent renewal disclosure to ensure policy information is kept up to date.
Your clients are not expected to disclose any voluntary work being undertaken to support the Coronavirus crisis, so there is no requirement to update the policy and we will continue to provide cover in accordance with normal terms and conditions.
Under normal circumstances, the standard period for which a property can be left unoccupied with full cover is 30 or 60 days. You should check the client’s policy to establish which period applies.
However, if your client is unable to return to their home as a result of the coronavirus pandemic, for example due to enforced quarantine, travel restrictions/cancellations, hospitalisation and/or self-isolation away from their home, they will remain fully covered under their policy, providing they have made every effort to return safely, in accordance with local and national Government guidelines. You don’t need to contact us to let us know, in these circumstances. However, if they have chosen to leave their property to stay elsewhere, the unoccupancy limit shown in their policy documents will apply.
We will regularly review the situation and notify you of any future date when the standard terms & conditions relating to the unoccupancy period may apply again. Please continue to check this page, as we will publish that information here.
Most of our owner- occupied products include temporary removal cover but this will be restricted to certain causes. Personal Possessions cover should therefore be included on the policy to ensure all personal belongings are covered outside of their usual address.
- For policies under a broker branded product please contact the applicable broker in the first instance or follow the below guidance if your query relates to one of our core household products.
The latest UK national lockdown changes still permit tradespeople to carry out working in domestic homes. Customers should therefore ensure they comply with any minimum-security requirements that have been applied to their policy.
- New business quotes are driven by our acceptance/decline rules. If security is required and the customer insists it cannot be met, then this should be answered “No”, and you should decline the risk from the outset.
- For existing customers, if we have previously accepted the risk and allowed the customer 30 days to fit the security, but the contractor is now unable to complete this due to Coronavirus restrictions, then we would expect the customer to update their security as soon as they are able once lockdown restrictions are lifted.
- If AXA changes the area rating of a risk and security becomes a requirement at the subsequent renewal, we would expect the customer to update their security as soon as they are able once lockdown restrictions are lifted.
- If customers are unable to comply with conditions relating to alarm or security maintenance due to Government or NHS advice relating to Coronavirus, cover will not be affected providing the customer complies with the condition as soon as they are able once lockdown restrictions are lifted
The latest lockdown restrictions have not impacted house moves and people are still permitted to move during this period. You should continue to offer cover in accordance with our usual acceptance.
- For customers purchasing a new policy or those who are existing, we would expect them to exchange, complete and occupy within the usual 30 days.
- If they are unable to do so, then a separate policy will be required for the new address and any cover for the existing property should be left in force until the exchange completes.