House insurance and working from home

[dreaddan]

I'm looking at house insurance again (always fun) and now that I'm gong to be working from home I'm wondering what the correct answer to the question about business use.
I've spoken to a agent about it but they kept saying that as I'm self-employed I need to say it's clerical use.
But as I'm employed by another company (directly, full-time) that's not the case..

So has any one got any ideas?
Also what does it give and cover for the extra 100 quid a year?
Cheers
Dan

[scotal]

I'd phone a couple of insurers direct and ask their policy.
You're going to feel a right plum if you do as the agent suggests and end up with a claim being refused because you "lied on the form".

[Pickled Piper]

I work from home and have done for many years. Providing it is just clerical ie desk with a computer then it is quite OK. I've yet to find an insurance company that has an objection to this or has increased the premium as a result. It actually lessons the risk profile as your house is likely to be occupied during the day and less susceptible to break ins etc. Definition of clerical is typically paperwork, administrative tasks etc. Not welding or repairing motorbikes etc

Problems start if you have business visitors and or if you are storing stock of any value.

pp

Edited by Pickled Piper on Tuesday 23 November 14:29

[dreaddan]

scotal: I plan to when i get a chance.
Pickled Piper: Thats what i thought which is why im supprised it's jumped by as much as it has for having clarical use at home (Im a programmer so no welding - well till i get that garrage)

dan

[dreaddan]

Typical they spoke to another agent who said that they couldn't cover me as computer programming isn'tclerical but couldn't tell me what it is...

[Deva Link]

Pickled Piper said:

Problems start if you have business visitors and or if you are storing stock of any value.

Exactly what I was told. I insure with Liverpool Victoria.

[davidjpowell]

No charge for business cover here, provided no visitors.