How many bedroom is the answer?

lindseylou72_2

So, I live in a 6 bedroomed house, we have 3 bedrooms in use, an office, a computer room and a wardrobe room. When I ask for a house insurance quote and they ask how many bedrooms, do I say 3 or 6? Really need advice here, please

davidmcn

You say 6, because you live in a 6 bedroomed house. They don't literally mean how many are you currently using for sleeping in.

dunstonh

It is what the house is built to, irrespective of use.
You have 6 bedrooms.  Which will pretty much eliminate most bedroom rated policies from selection (most stop at 5 bedrooms).
It can also include rooms that are not normally considered bedrooms but have a bed in them (e.g. an attic room or someone sleeping downstairs).

Grumpy_chap

lindseylou72_2 said:

I live in a 6 bedroomed house

lindseylou72_2 said:

When I ask for a house insurance quote and they ask how many bedrooms, do I say 3 or 6? 

lindseylou72_2 said:

6 bedroomed house

Any answer other than "6 bedrooms" would appear to be economical with the truth. 

There may be a saving on the insurance premium by declaring a lower number, but there may also be a restriction on payout in the even of any claim.  Worst case could be complete refusal of any claim plus a marker for insurance fraud.

Not worth it from what I can see.

If money is tight that the premium is not affordable, consider moving to a smaller house with fewer bedrooms.  Less mortgage / rent, less heating bill, less council tax, etc.  And less home insurance into the bargain.

dunstonh

There may be a saving on the insurance premium by declaring a lower number, but there may also be a restriction on payout in the even of any claim.  Worst case could be complete refusal of any claim plus a marker for insurance fraud.

Such as the house that burnt down and was declared as 5 bedrooms when it had 7 that was in the media a couple of years back.  The insurer refused to pay as they never covered more than 5 bedrooms.  It is false economy to lie to the insurer.

Sandtree

The first check is always to see what it was advertised as when you took possession. It is possible to truly reduce the room count by knocking down walls etc but most just repurpose a room.

Where things get more complex is where you get  an attic conversion without appropriate building regs or such