How could my home insurance be affected by Coronavirus?

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If you’re looking for information regarding the coronavirus and home insurance, you may find the answers to your questions here. 

If you still can't find what you're looking for, other ways to get help and information include visiting our claims centre, logging into your online account or speaking to us on Live Chat.

Please check which insurer underwrites your Endsleigh home insurance policy – you can find this information on your Policy Schedule or Statement of Insurance. The guidance below applies for all insurers with the exception of Pen Underwriting.

If your policy is with Pen Underwriting, due to the unprecedented restrictions on UK citizens imposed by the government, in the event of a claim where you have not been able to comply with policy conditions due to COVID-19 this will be taken into account. Every situation will be assessed on its own merits, as long as you were complying with the terms prior to COVID19. In the first instance, you should call Endsleigh customer service on 0333 234 1552 if you have any questions.

Will my insurance policy by affected if I now need to work from home due to COVID-19?

Our home insurance policy provides cover for working from home as standard, providing business visitors do not come to the property.

 If you will have business visitors coming to the property, please contact us to update your policy. During the lock-down period we will waive our usual amendment fee.

My property may be left unoccupied for longer than the 30 or 60 day limit on my policy due to COVID-19 – will I be covered?

If your property will be unoccupied for an extended period due to the coronavirus pandemic -  for example because you are unable to travel home from abroad or are self-isolating at a different address - we will maintain cover for either the standard unoccupancy period or until the end of the government lock-down - whichever is longer. You do not need to contact us to let us know.

If your property is going to be unoccupied for an extended period of time, if possible please ask a trusted person to visit and check on the property while you’re away.

If your property is going to remain unoccupied for longer than your standard unoccupancy period after the lock-down has ended, please contact us to let us know.  

I am a student and have left property at my student address whilst returning to my parental home and am not sure when I will be able to return.  Will my belongings still be covered?

If you will be away from your student property due to the coronavirus pandemic, we will provide cover for your possessions for either the standard unoccupancy period stated on your policy or until the end of the government ‘lock-down’ - whichever is longer. You do not need to contact us to let us know.

 If your property is going to remain unoccupied for longer than your standard unoccupancy period after the lock-down has ended, please contact us to let us know.  

A friend or relative is staying with me at my home address during the lockdown period – will this affect my insurance?

No, this will not affect your policy and you do not need to contact us to let us know.

If your friend or relative is going to continue staying with you after the lock-down period has ended, please contact us to let us know.  

I am meant to be moving to a new home, but the moving date has now been pushed back.  Can you delay a change to the policy?

If you have already exchanged on the property and are legally responsible for the provision of insurance, the policy will need to remain in force.

If you will be away from the property due to COVID-19, we will provide cover for the buildings for either the standard unoccupancy period stated on your policy or until the end of the government ‘lock-down’ - whichever is longer. You do not need to contact us to let us know.

If your property will be unoccupied outside of the lock-down or unoccupancy period specified on your policy, please contact us to let us know.  

If we were insuring your previous home already and you have updated your address on your policy effective from exchange but this has now not gone ahead, please contact us to change your policy back to the previous address.

Please note that we will still be able to provide cover for the new risk address, but we will need to provide a separate policy for this.

Will my home insurance cover the cost of a deep-clean, should my property become contaminated with COVID-19?

Unfortunately this will not be covered under your home insurance policy.

I have taken office equipment home with me during lock down – will it be covered under my home insurance?

Following the Government advice on Monday 16 March that people should look to work from home wherever possible, we have experienced some queries from customers around what they are covered for under their policies when following this advice.

Our standard policy wordings have not changed, so cover is provided as follows:

Note: Endsleigh will not cover any business equipment such as a laptop or phone which is owned by a policyholder’s employer, as these will normally be insured by the company themselves. 

Policy numbers starting with AX1, AX2, AZ1, CN1, CN2, CN3, AX3, DG1, EC6, FL1, GE1, NU1, RE1, RE2, TS4, ZP2, ZU1, EL4, EL6, FT1, FT2, FT4, GN1, GN2, GN4, KT1, KT2, LG3, LG5, RA1, RA2, RA3, ST1, ST2:

Business use of contents in your home, including cover for loss or damage to household goods, personal effects or computer equipment up to the amount stated on your policy schedule.

Policy numbers starting with 468, EIS, FARBP, SSE, 898, 515:

Business use of contents in your home, including cover for loss or damage to household goods, personal effects or computer equipment up to £5,000.

Policy numbers starting with FARBF: 

The followings items are covered as standard:

Computers; modems; keyboards; monitors; printers; word processing equipment and computer aided design equipment; facsimile machines; photocopiers; typewriters; telecommunication equipment and office furniture, but not including any property held as trade stock or games consoles.

Policy numbers starting with 19xxR or 20xxR: 

Household items and personal belongings:

  • that you own
  • that you are legally responsible for
  • that belong to domestic employees who live with you

This includes personal money up to £750, visitors' personal belongings up to £1,000 and homeworking equipment up to £5,000 (although no one item can be worth more than £1,500).

Will my home insurance cover my rental payments if I become temporary unemployed during lockdown?

No, your home insurance will only provide cover for damage to your buildings and / or contents (depending on the cover you selected when you took out the policy). This will also not be covered by a home insurance legal expenses policy.

However, the government has provided guidance on how they will be supporting tenants during these uncertain times, such as a complete ban on evictions and other protections.

You can find the most recent advice here

The occupancy of my property has changed due to the coronavirus outbreak – do I need to let you know?

No, you do not need to contact us if the occupancy of your property has changed because you are currently working from home or self-isolating due to the coronavirus outbreak.

However, if your property will be unexpectedly unoccupied for longer than 30 days under a residential landlord policy, or 90 days under a student landlord policy, please contact us to let us know.

What will response/claim times be like during the ongoing coronavirus epidemic?

Our insurers have informed us that their Claims Departments are open as normal. However, under the current circumstances, the majority of their teams will be are working from home and possibly with reduced numbers depending on whether people have been affected by Coronavirus.

This means that call wait times and claim settlement times may be slightly longer than normal. Please be assured that we and our insurers will still do everything we can to help.


If your call is non-essential, it would be helpful if you could review our FAQs before calling to keep wait times to a minimum.


Last updated: 01 April 2020