House insurance... Do I need to put business use down?

mikeyboy

vaio wrote: »

needs answering

I don't think it need answering, as my partner isn't going to be on the policy. The websites don't ask for his details if I don't put it down as a joint policy...

mikeyboy

vaio wrote: »

OK, I thought B&C policies asked for details of everyone who lived there.

I have never been asked, It asks questions like number of adults and children etc, so I tell the truth and put two adults, no children. At no point does it then ask for other names etc, unless you ask for a joint policy.

vaio

OK, I thought B&C policies asked for details of everyone who lived there.

More generally, just honestly answer the questions asked and you'll be fine. Avoid volunteering anything they don't ask about as it just confuses things and will cause trouble

As you are using a comparison site make sure the actual insurer doesn't ask either

InsideInsurance

vaio wrote: »

OK, I thought B&C policies asked for details of everyone who lived there.

No, the only everyone question is about claims, criminal convictions etc.

Many policies ask how many adults and kids there are but some dont even do this.

It is often better to have it in joint names so that both can discuss matters with the insurer and to avoid any queries being raised on if the non-married partner is actually resident/covered by the policy or not etc.

rs65

Quite often it is in the assumptions rather than questions.

*Scarlett

Many insurers will ask about occupations of all "permanent residents" whether or not you put in a joint policy holder.

If there is a "professional" musician in the house they may want a bit more info.

I can't see that the business use would be an issue from what you have said. but you should declare it, The issue might be that some mainstream insurers will shy away from professional musicians. Clearly this is not your case but they don't want to insure "Lady Gaga"!

It is up to the insurer to ask you the right questions to offer you cover and if they do not ask about anyone else living at the property then you do not need to volunteer the info. But if they ask then you need to answer truthfully.

vaio

*Scarlett wrote: »

.........It is up to the insurer to ask you the right questions to offer you cover and if they do not ask about anyone else living at the property then you do not need to volunteer the info. But if they ask then you need to answer truthfully.

It still staggers me that we needed a (recent) law to establish this prior to which we were still dealing with the 18th century hangover of "utmost good faith" & "policy holder must declare all material facts"