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Sainsbury's Bank

Home Insurance - Coronavirus (COVID-19) FAQs

Does my policy cover me for working from home?

If you are an office-based worker and need to work from home because of government advice or because you need to self-isolate, your home insurance cover won’t be affected. You don’t need to contact us to update your cover unless:

  • You have visitors in your house on business matters, for example, face to face client meetings.
  • Your business makes or sells goods from home or you store business items at home, particularly if the goods valuable or include hazardous or flammable material (such as gas cylinders or fireworks).
  • If you are offering any other services from your home. For example, this would apply to jobs such as providing beauty treatments, hairdressing, child minding, dog grooming or being an exercise instructor.
  • You have adapted your property (i.e. using an outbuilding as your home office or have undertaken any major renovation works) or acquired new business equipment that belongs to you. Cover for any business equipment (i.e. laptop) will usually be the employer’s responsibility but check with your employer if unsure.
  • You have established, or are planning to establish, a business from home during the pandemic, or have moved the running of your business to your home premises.

Sainsbury's Bank contents insurance will cover you for loss or damage to business equipment, used for clerical business purposes, while in your home if caused by an insured event.

Please note, non-clerical business equipment won't be covered. In most cases your employer will have insurance for this.

A friend or relative is staying with me during the lockdown period. Will this affect my home insurance?

We understand during these unprecedented times that some people may need additional support and care.You don't need to contact us if you have additional long-stay guests. This advice is subject to change depending on the length of time that Government require the current social distancing requirements.

I have a guest staying with me during Coronavirus lockdown, will their possessions be covered while they stay with me?

Yes, your home contents insurance policy will cover the belongings of guests/vistors.

I have been quarantined or am unable to travel from abroad and therefore my home may be left unoccupied for over the 60 day limit on my policy. Will I be covered?

We understand that some customers may be away from home longer than intended. If your home is likely to be unoccupied for more than 60 days, please contact our customer service team.

Can I still make a claim on my home insurance policy?

Sainsbury's Bank and our insurers work closely with service providers to do everything possible in these challenging circumstances to continue to handle claims and support our customers. We recognise there will be many customers who will need additional support and insurers will prioritise those in vulnerable circumstances.