I really think that this is just a case of very bad policy writing. T
hat it really means you are not allowed to use your insured home as a ‘shop’ where members of the public come to your door to collect / pay money but it doesn’t say that. It doesn’t say that at all
And whatever is does say is being interpreted by their staff as meaning nothing can be made, modified, fixed…!!
Funny thing is the man I spoke to said I could have people to the house (as long as I didn’t make anything ). I suggested that would be far more risky as they might trip and sue me !
Imagine say if you mend watches as an occasional hobby and you take a tiny payment for doing so. Sitting in your front room in front of the TV enjoying yourself doing what you like to do…only to find that that invalidated your home insurance, after your house flooded, burned down.
I’ve reported them to Moneysupermarket.com on FB and I think they will check it out.
Will probably go to Admiral unless when Bob checks with our current insurers they give a more reasonable quote.