Tenants Insurance - 4 Unrelated Adults

gurmukh

Hi there,

I've recently moved into a house share and upon adding my name to the home insurance, I was told that the home insurance policy was void. This is because HSBC home insurance only allowed 2 unrelated adults on the policy, the remaining adults need to be related to one of the two mentioned.

Since then I have called Aviva, More Than, Direct Line and HelpUCover, they have all stated the same thing.

Please can someone help me understand how can we, 4 unrelated adults get all of our contents insured? The landlord has buildings insurance, we need contents. Apart from our independant rooms, we also have a lounge that has home cinema system (so insuring rooms seperately wouldnt be an avenue to explore).

Any help would be greatly appreciated, I cannot believe that we are the first people to come across this!

Thanks:beer:

InsideInsurance

Endsleigh would be the obvious one to approach as they'll commonly come across similar situations.

Haven't looked into these things for a while but I am surprised you are having issues. I understood that most insurers will do it but exclude theft unless there is signs of forced or violent entry (same as if there are any unrelated individuals sharing)

Wywth

gurmukh wrote: »

Hi there,

I've recently moved into a house share and upon adding my name to the home insurance, I was told that the home insurance policy was void. This is because HSBC home insurance only allowed 2 unrelated adults on the policy, the remaining adults need to be related to one of the two mentioned.

Since then I have called Aviva, More Than, Direct Line and HelpUCover, they have all stated the same thing.

Please can someone help me understand how can we, 4 unrelated adults get all of our contents insured? The landlord has buildings insurance, we need contents. Apart from our independant rooms, we also have a lounge that has home cinema system (so insuring rooms seperately wouldnt be an avenue to explore).

Any help would be greatly appreciated, I cannot believe that we are the first people to come across this!

Thanks:beer:

Google tenants insurance

You will each need to take out your own policy (if required) for your own personal effects. This doesn't necessarily mean within your own room where a shared tenancy is in effect.

zurpher

Hi gurmukh,

Did you find a solution? Please let us know how it worked out in the end.