Shared student house - compulsary contents insurance

pimento

To clarify, the room isn't in London, it's 80 miles from London.

FireWyrm

Basically, you cannot insure what you don't own. Since you don't own it, you cannot incure a financial loss for which insurance would pay out.

Is that clear enough? Tell the letting agent that the LLs possessions are his own problem and you won't be insuring them. He should have accidental and standard LL insurance for all items he owns.

hugoshavez

FireWyrm wrote: »

Basically, you cannot insure what you don't own. Since you don't own it, you cannot incure a financial loss for which insurance would pay out.

Is that clear enough? Tell the letting agent that the LLs possessions are his own problem and you won't be insuring them. He should have accidental and standard LL insurance for all items he owns.

Not quite.

You can only insure property in which you have a financial interest. This interest may arise from ownership, or from say, a contractural arranmgement, like a tenancy agreement.

OP, it's not unknown for a LL to ask for this, but given how much you've been pi55ed about so far, I'd be inclined to find other digs for the boy.

pimento

Problem is Hugo, he's now getting earache from the other three tenants because of his mouthy mother.
I'd happily take a couple of days off work and help him find another room but he's with three mates and I can see how he wants an easy life.

I can't help but feel I'm being taken for a mug though.

jazabelle

Sounds very, very odd. I wouldn't be happy with the travelling (to what point?) I'd only be interesting in viewing the house, not meeting some random person miles away.

Would refuse on the insurance front.

dacouch

Your own home insurance will normally cover your son's contents at uni, it tends to exclude theft unless there are signs of a violent or forcible entry.

You may need to add cover on for his gadgets away from the flat.

it may or may not cover damage to the landlords contents (It's often called tenants liability).

Give your Insurer a call

pimento

I called my insurer last year and he's not covered on our policy. I recall paying £50 or so to Endsleigh last year and will probably do the same again this year.

pimento

jazabelle wrote: »

Sounds very, very odd. I wouldn't be happy with the travelling (to what point?) I'd only be interesting in viewing the house, not meeting some random person miles away.

Would refuse on the insurance front.

I'm assuming the paranoid LL doesn't trust the judgement of his LA and wants to give the tenants the once over. I have severe misgivings about my deposit.

That flat will be photographed to within an inch of it's life on September 1st.

bitsandpieces

pimento wrote: »

Oh and another thing, my son hasn't even seen his room. He tried to make several appointments to see it but was never able to. So when he moves in on Sept 1st, it will be the first time he's seen it. All he knows is that it's the smallest bedroom. I've primed him to expect a broom cupboard.

Seriously? I take it he hasn't seen the house either, then. Have his housemates?

Personally, I wouldn't sign up to spend a year in a room I hadn't seen. If he is going for it, though, he's confident that his housemates have given the place a good look and have similar standards to him?

pimento

They all saw the flat but his room was locked and the occupier wasn't in. He tried a couple of times to arrange to go and see it but the LA never came back to him. There was a (bad) photo on the Rightmove site.