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Lodger
Duncs83_2
Posts: 2 Newbie
I have my own house and rent out a room to a friend. I have no contract drawn up with her.
My insurance company have said I am not covered for accidental damage as I have a lodger. I was wondering if she is still classed as a lodger even though there is no contract?
Thanks
My insurance company have said I am not covered for accidental damage as I have a lodger. I was wondering if she is still classed as a lodger even though there is no contract?
Thanks
0
Comments
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there is no contract in writing, but there is still a contract.
She's a lodger.Debt free 4th April 2007.
New house. Bigger mortgage. MFWB after I have my buffer cash in place.0 -
If you were to put her details into the Shelter website tenancy checker wizard, it would probably define her as a lodger/excluded occupier. If you charge her rent, and you are a live-in landlord, she's a lodger. It is unwise not to have a lodgers agreement which sets out simple things like rent, notice period and so on because these prevent disputes and misunderstandings.0
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Cover yourself by having a basic lodger agreement in place.
If your insurance company won't provide cover for you having lodgers at the property, then change insurance companies.
Others will cover you but many are likely to insist on you having a declaration from the lodger to the effect that they have no unspent criminal convictions.
Contact the LL associations (NLA/RLA) for info on which companies do provide cover, and if you do want one to cover a lodger who may have a conviction try unlock.org.uk for guidance.0
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