Bedrooms and Buildings insurance

bill_on_line

Often if not allways the question "how many bedrooms does your home have?" is asked when getting a quote for buildings insurance.


Now the number of bedrooms often effects the price in my case it was £30 more exspensive if I added one more bedroom on the most competative quote at moneysupermarket

So what defines a bedroom, not all the 1st floor rooms excluding the bathroom have beds in them. When the house was sold as new by the developer in 1969 it was probably marketed as having 3 bedrooms.

Would i be wrong to say i had an extra living room, as one of the rooms does not have a bed in it or is not used as a bedroom in the last 6 years. I use the room as a "store" room


Bill

TSx

You need to check with the insurer but most use the definition "any rooms which were originally built as bedrooms, even if that is not their purpose now"

ladylouise62

They don't really care how many rooms are used as bedrooms, it's just a quick and convenient way of estimating the size of the house and the value of goodies in the house - todays' quick and easy insurance needs to rely upon guesstimates, and that's how they decided to do it.

But you DO need to say the number of originally intended bedrooms, or they could use it to prevent paying out any claims as you would be 'underinsured' (they will use ANY excuse to do so, so don't give them the opportunity, however much you think it will save you at the time!).

dunstonh

Now the number of bedrooms often effects the price in my case it was £30 more exspensive if I added one more bedroom on the most competative quote at moneysupermarket

Bedroom rated policies will always be more expensive if you have more bedrooms. Hence why they are known as bedroom rated policies.

So what defines a bedroom, not all the 1st floor rooms excluding the bathroom have beds in them.

It is what it is built as. Not what they are used as.

Would i be wrong to say i had an extra living room, as one of the rooms

Yes. it would be fraud and could invalidate your insurance.

scooby75

There is no legal definition of what is a bedroom - the best there is is a statement from an MP from the days of when HIPS were being introduced. But if there is some agreement between insurers, that may be taken to be the definition in a court. It would be for you to argue otherwise, and I'd bet that would be very expensive.