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Home insurance with a smoker in the home
Comments
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As you seem to be stuck with the lodger, I suggest that you inform the insurers. I am not convinced that this is necessary, as you presumably answered the questions accurately on inception/renewal of the policy, and it's unlikely that you have an obligation to inform the insurers of a relatively minor change like this. However, for peace of mind, it might be best.
I suggest that you try to sort something out with the lodger. Just say how sorry you are, etc.No reliance should be placed on the above! Absolutely none, do you hear?0 -
Sorry she's betrayed your trust as well as leaving the evidence. My husband smoked in the house and I used to put the ash trays outside at bed time, always scared of a fire.£216 saved 24 October 20140
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I found it made no difference at all to my premium. I would let the insurer know.It seems unfair to be thinking of evicting an otherwise problem-free lodger, when you didn’t even specify non-smoking at the beginning.1
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I'm not convinced trust has been betrayed. The lodger wasn't asked whether she smoked. The OP just assumed ....youth_leader said:Sorry she's betrayed your trust as well as leaving the evidence. My husband smoked in the house and I used to put the ash trays outside at bed time, always scared of a fire.No reliance should be placed on the above! Absolutely none, do you hear?0 -
Where's a link to that other lodger thread recently where the landlord ended up paying compo when her lodger took her to court for getting rid of him before his contract was up? It cost the poster thousands.
Make £2026 in 2026
Prolific £177.46, TCB £10.90, Everup £27.79, Roadkill £1.17
Total £217.32 10.7%Make £2025 in 2025 Total £2241.23/£2025 110.7%
Prolific £1062.50, Octopoints £6.64, TCB £492.05, Tesco Clubcard challenges £89.90, Misc Sales £321, Airtime £70, Shopmium £53.06, Everup £106.08, Zopa CB £30, Misc survey £10
Make £2024 in 2024 Total £1410/£2024 70%Make £2023 in 2023 Total: £2606.33/£2023 128.8%1 -
Slinky said:Where's a link to that other lodger thread recently where the landlord ended up paying compo when her lodger took her to court for getting rid of him before his contract was up? It cost the poster thousands.
https://forums.moneysavingexpert.com/discussion/6328839/lodger-lied-during-application-outcome-on-page-29/p1
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