Home insurance and coronavirus (COVID-19)

Yes – if you have been unable to return to your home as a result of COVID-19, for example due to enforced quarantine, travel restrictions / cancellations or self-isolation, you will remain fully covered under your policy until it is safe for you to return. You do not need to contact us.

However, if you’ve chosen to leave your property unoccupied to stay elsewhere, the unoccupancy limit on your policy will apply. If you’re unsure of what that is, please view your policy documents in your Swift Space.

You would need to have Personal Possessions cover included in your home insurance policy for your belongings to be covered outside of your usual address. You can check whether you have this cover included by checking your policy documents in your Swift Space. If you don’t have this cover and wish to add it, you can also do so in your online account.

No, our home insurance policies do not provide cover for the costs of cleaning a property.

Yes, if your property becomes uninhabitable due to loss or damage covered under your policy, we will continue to provide Alternative Accommodation cover.

No, you don’t need to let us know. We don’t ask for your occupation or employment status when you take out a home insurance policy with us.

We do not need to be made aware of any secondary occupations that you have taken up during this period. If this involves working from home, then you are automatically covered for office work only. Please refer to our FAQ in relation to working from home for more information.

If you continue to work in your secondary occupation or this becomes your primary occupation after the Coronavirus restrictions are lifted, you should inform us to ensure policy information is kept up to date.

We understand that it may be difficult to cover your monthly payments if your income has been affected by the coronavirus outbreak. If you have a Swiftcover home insurance policy please contact us on 0330 024 6427. Please note it may take us longer to answer your call than usual.

No, if you are wishing to conduct voluntary work for a temporary period to support the Coronavirus crisis, there is no requirement for you to inform us, and we will continue to provide cover in accordance with normal terms and conditions.

Yes - our home insurance policies automatically cover you to carry out office work from home. You do not need to contact us or update your policy.

If you have contents insurance, this includes cover for any office equipment you own and use from home, up to the limit specified on your policy. If you need to check this, you can view the details in your policy documents in your Swift Space.

If your employer has given you equipment to work from home, this would usually be covered under their insurance, so you do not need to add this to your policy.

You can purchase accidental damage cover as an optional extra with Swiftcover home insurance policies. You can check if you have this cover included by viewing your policy documents in your Swift Space. If you don’t have this cover included and want to add it, you can also do this in your online account.

We’re sorry to hear this. We will be as flexible we can when your circumstances change suddenly and unexpectedly. Please contact us.

Cover for bicycles is not included as part of our standard policies. You can check to see if you have this cover included by checking your policy documents in your Swift Space. If you don’t have this cover and want to find out more information or want to add it, you can also do so in your online account.

If your guest has their own home insurance policy, this may cover their possessions away from home while they are temporarily staying at your property. There may be a limit to the cover provided, so they should check their policy wording. If your guest cannot obtain cover via their own home insurance provider, then we will consider cover under the “Visitors personal effects” section of your policy. Cover will be subject to the limits provided.

We’ve stopped providing quotes or selling new business home insurance policies over the phone. This is so our teams can prioritise serving existing customers. If you’d like to get a quote or purchase a new policy, please go to our home insurance page.

As part of our response to coronavirus, we’ve had to reduce our opening ours across our customer service and claims teams. This may mean that some of the opening hours listed in your insurance documents are now incorrect. For the latest opening hours across our different teams, please check our contact us page. We’ll keep this page updated regularly.

We’re experiencing very high call volumes at the moment. We’ve updated our opening hours, please check our contact us page for the latest information.