Under normal circumstances, the standard period for which your property can be left unoccupied with full cover is 30 or 60 days depending on the type of policy you hold. If you are unsure which period applies to you, please view your policy documents in your online account.
However, if you are unable to return to your home as a result of the coronavirus pandemic, for example due to enforced quarantine, travel restrictions/cancellations, hospitalisation and/or self-isolation away from your home, you will remain fully covered under your policy, providing you 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.
If you have chosen to leave your property to stay elsewhere, the unoccupancy limit shown in your policy documents will apply – either 30 or 60 days, depending on your policy type. You can check this in your online account.
We will regularly review the situation and notify you of any future date when the standard terms and conditions relating to the unoccupancy period may apply again. Please continue to check this page, as we will publish that information here.
You would need to have Personal Possessions cover included in your home insurance policy for your belongings to be covered outside of your usual address. You can check whether you have this cover included by checking your policy documents in your online account. If you don’t have this cover and wish to add it, you can also do so in your online account.
No, our home insurance policies do not provide cover for the costs of cleaning a property.
Yes, if your property becomes uninhabitable due to loss or damage covered under your policy, we will continue to provide Alternative Accommodation cover.