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Two contents insurance policies @ one address?
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I have had cover with endsleigh for 13 years now in various shared places and have never been asked for any tennancy agreement.
I have been always a tenant though. Living with family members is different (I think) for insurance purposes but I would still think they may be able to cover you.
You've never been asked because you are giving them money.
I bet they ask the first time you put a claim in.0
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