House insurance when working from home

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House insurance when working from home

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Minamoo

Joined: 05 Feb 2008
Posts: 1231

Posted: Tue Feb 28, 12 4:21 pm Post subject: House insurance when working from home

Hello! I need some advice please. I'm looking to get a new house insurance policy but am having a bit of trouble finding one. I want to start doing preserving workshops at home when our extension is done and have public liability insurance but they're saying that they can't offer me anything if I'll be having clients in the house. Do you have any recommendations as to good insurance companies who would be able to give me cover?

tahir

Joined: 28 Oct 2004
Posts: 45434
Location: Essex

Posted: Tue Feb 28, 12 4:25 pm Post subject:
Have you tried NFU?

troyannick

Joined: 24 Dec 2011
Posts: 605

Posted: Tue Feb 28, 12 4:36 pm Post subject:
Is it house insurance thats the problem or business insurance? I use for public liability https://www.onebusinessinsurance.co.uk/?source=6&gclid=CJPJyd6Mwa4CFVRItAod0X9GCg

earthyvirgo

Joined: 24 Aug 2007
Posts: 7972
Location: creating prints in the loft, Gerlan

Posted: Tue Feb 28, 12 4:38 pm Post subject:
NFU, our house ins covers my business too Minamoo. It provides excellent cover. All the 'liability' stuff I needed EV

welsh veg grower

Joined: 23 Jan 2009
Posts: 2030
Location: here today but tomorrow...

Posted: Tue Feb 28, 12 4:38 pm Post subject:
nfu are very good at doing a combined thingy

gz

Joined: 23 Jan 2009
Posts: 8617
Location: Ayrshire, Scotland

Posted: Tue Feb 28, 12 5:09 pm Post subject:
NFU here too, and sole trader car insurance

Minamoo

Joined: 05 Feb 2008
Posts: 1231

Posted: Tue Feb 28, 12 5:23 pm Post subject:
Thanks for the recommendations! I have filled in their form and am waiting for them to call me back with a quote. Thank you!

Lorrainelovesplants

Joined: 13 Oct 2006
Posts: 6521
Location: Dordogne

Posted: Tue Feb 28, 12 5:38 pm Post subject:
They are very nice, and helpful.

Wigan Pixie

Joined: 07 Jan 2009
Posts: 42
Location: Lancashire

Posted: Tue Feb 28, 12 10:28 pm Post subject:

gz wrote:

NFU here too, and sole trader car insurance

Is sole trader car insurance worth getting? I only use the car once a week for work but if it's cheaper then I may look to get it.

stumbling goat

Joined: 20 Jan 2009
Posts: 1990

Posted: Wed Feb 29, 12 6:04 am Post subject:

Wigan Pixie wrote:

gz wrote:

NFU here too, and sole trader car insurance

Is sole trader car insurance worth getting? I only use the car once a week for work but if it's cheaper then I may look to get it.

As long as you are covered for the purpose the car is being used for at the time of an incident, you should have no problems. If you do not have business use cover and have an incident when using the car for business then you may not have cover. Not informing the insurer of a change of use could be an expensive oversight?

People who deliver leaflets and brochures and telephone directories using their private cars often get caught out by this.

sg

gz

Joined: 23 Jan 2009
Posts: 8617
Location: Ayrshire, Scotland

Posted: Wed Feb 29, 12 5:44 pm Post subject:
It means that my pots are covered in case of a bump and breakages

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