who insures properties with an extra lodger?

qwertyjjj

So, our normal insurance for me and my cohabiting partner is £130 a year for contents in rented accommodation. We took a lodger on recently but most insurance companies won't cover this.
Endsleigh seem to be the only ones and they quote £350, which is ridiculous.

Any ideas on someone who covers this?
My partner and I rent on a landlord's contract and the lodger has a separate agreement with us so is there some loophole we could use there?

huckster

Phone around. If you and your partner have been in a long term relationship, then I don't see the problem with one lodger.

Suggest speaking to a local brokers, so they can make enquiries. No point me advising which companies might do it, as they will need to look at the full details of your application.

qwertyjjj

huckster wrote: »

Phone around. If you and your partner have been in a long term relationship, then I don't see the problem with one lodger.

Suggest speaking to a local brokers, so they can make enquiries. No point me advising which companies might do it, as they will need to look at the full details of your application.

Insurers seem to see a problem with it for some reason.
Do brokers still exist? I guess I'm going to have to go down that route as all the comparison sites give companies that don't like shared arrangements.
The problem is cost really, £130 for 2 but £300 if we add a lodger even though they have less stuff than us and we trust them to not leave doors open, etc etc

EDIT: Apparently, it's ok if we get our own insurance and lodger gets their own insurance. Go figure

huckster

qwertyjjj wrote: »

Insurers seem to see a problem with it for some reason.
Do brokers still exist? I guess I'm going to have to go down that route as all the comparison sites give companies that don't like shared arrangements.
The problem is cost really, £130 for 2 but £300 if we add a lodger even though they have less stuff than us and we trust them to not leave doors open, etc etc

EDIT: Apparently, it's ok if we get our own insurance and lodger gets their own insurance. Go figure

Go figure. A couple in a long term relationship are one entity and the lodger is considered a seperate party. The Insurers are correct that the lodger arranges their own Insurance.

qwertyjjj

Found out what problem was,
we are on a contract with landlord but the lodger is on a lodger agreement with us.
The insurance will not cover this as they say we are acting as tenant and landlord at the same time.
So, we have to swap the lodger onto an agreement with the landlord and then they will cover 2 of us separately from the lodger.

So, how can the landlord effectively get rid of the existing contracts and renew it for everyone? The LL could put the lodger on a separate contract but then the lodger would have to pay the LL directly (plus we then have to tell LL what we are charging the lodger for the accommodation).