When is a bedroom not a bedroom

Blibble

capital0ne wrote: »

It looks cut and dried to me - they should have explained the attic rooms could be and had been used as bedrooms.

This is why I use a local insurance broker - they find the best deals, they do all the paperwork if you have problem. They've always beaten any online comparison sites so not using a broket is just plain dumb.

Not if you don't have the time, & a bit of common sense might have led them to check with the insurer how a bedroom is defined ...

radoslaff

Reading the Ombudsman's decision:
"I!!!8217;ve been provided with the details entered by Mr W onto the comparison website whilst


purchasing the policy. The part in relation to numbers of rooms asks for the number of


bedrooms, receptions, bathrooms and !!!8216;other rooms!!!8217;. Mr W answered !!!8216;zero!!!8217; for the !!!8216;other


rooms!!!8217;. If Mr W didn!!!8217;t consider the attic rooms as bedrooms, I would have expected them to


have been included as !!!8216;other rooms!!!8217;."


This seems pretty straight forward to me. OK, the attic rooms were not bedrooms but were they rooms at all? This makes the clear cut according to my common sense.


I have a similar problem right now actually. I'm buying a house that was advertised as a 5 bed. One of them is as little as a matchbox but there is enough space for a single bed and there is a window. The Mortgage details say that I'm buying a 4 bed house and yesterday I searched for 4 bed building insurances. After reading this thread, obviously I'll have to reconsider my trust in the bank's surveyors.

dunstonh

I have a similar problem right now actually. I'm buying a house that was advertised as a 5 bed. One of them is as little as a matchbox but there is enough space for a single bed and there is a window. The Mortgage details say that I'm buying a 4 bed house and yesterday I searched for 4 bed building insurances. After reading this thread, obviously I'll have to reconsider my trust in the bank's surveyors.

You can read the response and see where the person went wrong. A simple phone call to the insurer would have clarified the position and created a record for the file (if accepted).

In that case, the fact it was more than 5 bedrooms was the key point. The policy covered all houses upto 5 bedrooms. If would not cover more than 5. With you being possibly 4 or possibly 5, an accidental non-disclosure on room count due to genuine confusion would still see the policy payout as the insurer would have covered it with 5 bedrooms instead of the 4 disclosed. (they would deduct the premium difference from the claim).

However, a clarification with the insurer is the most obvious thing to do.

elle_may

What if you have a 2 bedroom house that has one room halved,so in essence 2 small space's. Is this still a 2 bedroom or now 3 as i thought if it was not a certain size it could not be classed as this. The bedroom tax and what is classed as a bedroom is what i had in mind.