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Working from Home - Home Insurance & Mortgage
CarpeDiem
Posts: 24 Forumite
Hi
I am an office worker currently working from home. I am in one of the High Risk categories for Covid 19 so may be working from home for some time. My Boss and I have even briefly touched on it becoming a permanent thing as it is working very well. My concerns are (1) my Home Insurance website (LV) is saying I am covered if working from home due to Covid 19 but doesn't say if I would be if it were to become permanent. (2) I am sure somewhere in my Mortgage paperwork I have seen working from home mentioned as not allowed - it may say Running a Business - which is different (isn't it?). I would be doing purely administrative duties from home.
I would also like to know if working from home affects anything else - I know about the £6 Tax thing (which my employer is currently ignoring) is there anything else I should be aware of.
Thanks
I am an office worker currently working from home. I am in one of the High Risk categories for Covid 19 so may be working from home for some time. My Boss and I have even briefly touched on it becoming a permanent thing as it is working very well. My concerns are (1) my Home Insurance website (LV) is saying I am covered if working from home due to Covid 19 but doesn't say if I would be if it were to become permanent. (2) I am sure somewhere in my Mortgage paperwork I have seen working from home mentioned as not allowed - it may say Running a Business - which is different (isn't it?). I would be doing purely administrative duties from home.
I would also like to know if working from home affects anything else - I know about the £6 Tax thing (which my employer is currently ignoring) is there anything else I should be aware of.
Thanks
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Comments
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Running a business is totally different to working from home, so dont worry about that.
As for the £6 tax thing, people seem to be getting rather giddy about this however the facts are it isnt £6 back a week, it is £6 TAX RELIEF a week, which equates to an extra £1.20 back a week for a basic rate taxpayer. Employers are under no obligation to pay this, so you have to claim it yourself. Up to you if you think it is worth it for £1.20 a week.0 -
If it becomes permanent I would contact and LV and see what they say, I doubt it would make much difference. The mortgage makes no difference. You would also save on travel costs so another bonus for you.0
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House insurances generally allow admin type work. But you should check with them. I assume the room that you use for working in is also used domestically at other times?My suggestion and/or advice is my own and it is up to you if you follow it, please check the advice given before acting on it.0
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They might even be a reduction as you are home more, so less chance of being broken into.
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