Change to insurance rules for people working from home and drivers

Insurers have confirmed that pledges to support people working from home due to the coronavirus and drivers whose habits have also changed due to the pandemic will last at least until the end of this year.

The Association of British Insurers (ABI) announced that the existing additional support, which was due to expire at the end of October, has been extended to December 31, 2020.

The ABI said this could be of significant help to many of the UK’s 17 million home policyholders and 27 million car insurance customers.

As part of the temporary support measures, home insurance is not affected if someone is an office worker who is working from home due to the pandemic. You don’t have to contact your insurer to update your documents or expand your coverage.

And if someone has to drive to and from their workplace because of the effects of Covid-19, their insurance policy will not be affected, the ABI said.

If someone uses their own car for voluntary purposes to carry medication or groceries to help others affected by Covid-19, their coverage will not be affected.

This applies to all categories of NHS volunteer workers, including the transport of patients, equipment, or other essential relief supplies.

If someone’s work is critical to the national Covid-19 response and the effects of the coronavirus mean they have to use their own car to drive to different locations for work, their coverage will not be affected either.

The temporary pledges are still under review, and the next home and car review will be before December 31st.

The ABI said policyholders should discuss these changes with their insurer if they have longer-term changes in their home work or driving behavior that will last into the next 12 months and they renew their insurance policy.

Laura Hughes, general manager of the ABI, said, “The renewal of these temporary commitments underscores the commitment of insurers to help customers during these challenging times.”


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