I spoke with our insurance broker yesterday, to confirm the details of our cover, and what was actually covered under the policy.
His reply was:-
"we have pleasure in confirming that the existing content sum insured would include the tools within your workshop subject to the sum insured being adequate and following:1) The household policy will exclude any business equipment and as such the tools must be used for personal use only.
2) We understand that the workshop forms part of the house and as such is not in an outbuilding where a separate maximum sum insured will apply"
We have about 600 sq ft of space, which is part storage and part workshop, but it is the ground floor of the old church hall that we bought originally, our living room and two bedrooms being above the workshop on the first floor.
The workshop was built originally with double ceiling layers as per the building reg's, so we had no worries with insurers over the use of the space as a workshop, and no modifications to do either.
I hope that this clarifies the point about home workshops, and that even if a separate workshop was used, it still would be covered but with a limit on the maximum claim amount.
Peter Forbes Prepair Ltd Luton, UK email: email@example.com home: firstname.lastname@example.org