You obviously go my increase as your reduction from Policy ExpertMine was down too - I was a bit surprised. I haven't made a claim so I don't know what they are like to deal with (Policy Expert).
Remember Direct Line are not on comparison web sites - just in case they are cheaper for some posters.
Ref working from home - it could increase claims but for theft I would have thought its lower. Plus lots of people have had things done to their house which usually increases security.