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home insurance trouble
Can anyone recommend home (contents & buildings) insurance company who dont penalise you for working in creative industries or being a freelancer working from home? I am a freelance theatre designer & community artist. Many companies will not even give me a quote. My partner is a web designer and occasionally has freelance clients come to the house for meetings which is another no no for most companies even though just a couple a month not several a day which is really what that clause is to cover. Other freelances most have this problem. How do you deal with it? Do you bend the truth to fit? Or just put up with paying twice as much as average?
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Rizzo
Messages count : 51Likes count : 0Registration : 5 November 2006Most won't like clients coming to your home like you say, but I've been up front about this in the past and been told so long as the equipment value doesn't go over a certain amount I was OK. The Halifax say you don't need to tell them about trade and professional use so long as the job you do is clerical, i.e. office work. I wonder if told them you were a designer working on a PC at home whether that might change things? Perhaps "freelance theatre designer & community artist" is outside of their lingo and it's safer to say no. Easy enough to hold client meetings away from home if this is their sticking point? - Contact in PM
LaPal
Messages count : 1Likes count : 0Registration : 30 October 2009Home Insurance
I personally dont recommend that you should lie to them. Go online and get a few quotes,then approach a broker to see what rate he can offer you