COVID-19, our response

Keeping you up to date with changes

Our job during this time of uncertainty is to keep providing insurance products to protect your customers.  Below is a list of frequently asked questions and answers about changes to our products.

 

Household FAQ's

We may extend the requirement to upgrade security by an additional 30 days at a time, up to a maximum 120 days.

Where the policy is endorsed to state an alarm must be in working operation, the policyholder must still ensure the alarm is set as stated in the policy conditions, we will however extend the requirement for the annual service, to take place after the self-isolation/lockdown period, if the policyholder is unable to have this carried out.

If the alarm is not in working order and unable to be set, they must still inform the Broker/Us.

Your client’s cover will not be affected where they are an office based worker and now required to work from home, so long as the work is clerical in nature only. No change needs to be made to the policy.

If their employer has given them equipment to work from home, this equipment should be covered by your employer under their employer’s business insurance. There is no need to add this equipment to the policy.

No – the occupation remains unchanged

Where a policyholder (and/or joint policyholder) becomes unemployed as a result of COVID-19, there is no requirement to inform your Broker/Insurer to update your employment status or occupation.  If they continue to be unemployed once UK Government restrictions on movement / working have been lifted, they will need to inform your Broker/Insurer.

Yes – if they have been unable to return to their home due to enforced quarantine, or self-isolation, they will remain fully covered under their policy until it is safe for them to return home or visit their property. However, where possible, the policyholder must take all reasonable steps to try to protect the property from damage during this extended period of unoccupancy.

We may extend the requirement to upgrade security by an additional 30 days at a time, up to a maximum 120 days.

No - the Midas products, Crown, Jewel, Royal and Landlords, do not offer any cover in the event of loss or rent or earnings for this pandemic.

  • Where a policyholder (and/or joint policyholder) becomes unemployed as a result of COVID-19, there is no requirement to inform your Broker/Insurer to update your employment status or occupation.  If you continue to be unemployed once UK Government restrictions on movement / working have been lifted, please inform your Broker/Insurer.