Home insurance - How I find out how many bedrooms?

clever_duck

Hello everyone,

I'm in a dilemma, We purchased this house Feb last year, when we purchased it, in the ad it was 5 bedrooms. But infact there is 6 but a really really tiny room (which we're using as an office at the moment but could change to a guest bedroom).
we're now due to renew home insurance (last year the mortgage advisor got for us), wanted to know if I should put 5 or 6 bedrooms.

Or where can I look to show me what to put down.

Don't want to put the wrong one as it could potentially void the home insurance.

Thanks,

Sam.

Andy7856

I would say 6, it is your choice not to use the small one as a bedroom.

I am in the same boat as you, I chose to use my 2nd (2 bed property) as study but for insurance purposes I deemed it as a 2 bed property.

eddddy

You should ask your insurers for their definition of 'Bedroom' - or it may be defined in their policy document.


But a typical definition of 'bedroom' used by insurers is:

BEDROOM
A room used as or originally designed and built to be a Bedroom even if now used for another purpose.

clever_duck

Aah okay, but when we purchased the house, it was bought as 5 bed, yet it was and still is 6 although its not being used as a bedroom.

Can I find out? How?

Which paperwork would show the answer?

*Scarlett

It should tell you on the deeds for the property.

You must get this right as many mainstream insurers rate the policy on the number of bedrooms and some will not insure a 6 bed house.

David_InsDef

The rule of thumb when answering this for insurance purposes is, if you were to sell it, how many bedrooms would you market it as having? Of course, you've recently purchased and what it was sold as is just as pertinent.

HTH

David

clever_duck

Ah okay, I'll put 5 as that's how we purchased it as. Got the paperwork to prove aswell.

Thanks.

stator

Are all 6 bedrooms built completely up to regulations? You don't have a dodgey loft conversion or garage conversion do you?

clever_duck

As far as im know all are upto regulations.

Don't have any left conversions or garage conversions.

Still have the PDF of the advert from the estate agent. But do I dare upload it here or not? lol. My instincts say no haha but I don't mind PM'ing you the link.

dacouch

I think the best answer was post 3.

If you declare 3 bedrooms and your home has six bedrooms as per the definition the insurer uses on their website you run the chances of having problems. This is because some Insurers who offer a blanket amount of cover eg £1m or other who use the amount of bedrooms as a rating factor do not offer cover to houses with six bedrooms.

If the above is the case there is the small potential of the Insurer discovering you have sex bedrooms (Most likely with a big claim) and your claim being declined and the policy void.

rs65

dacouch wrote: »

If the above is the case there is the small potential of the Insurer discovering you have sex bedrooms

Do they care?