Home insurance for home pending Building Certificate...

da3533

Hello

I need to get home insurance for my home but have slightly confused with my current situation.
My Bungalow had three rooms all on the ground floor. We just had a loft conversion adding four bedrooms plus one bathroom. To create the staircase, we had to remove one bedroom downstairs near the hallway. So now, in total, we have six bedrooms.

The only thing that has not been done is the new bathroom upstairs so I cannot get a building completion certificate yet until I do the tiling etc.

Now, I need to get home insurance. What do I put down as the number of bedrooms? I would assume to use the original quantity of rooms as I don't yet have a completion certificate but we knocked out one of those original bedrooms to make the staircase.

Thank you

eddddy

You need to carefully read each insurers definition of a bedroom - and then count the bedrooms on that basis.

A typical definition might be "any room used as, or originally built to be, a bedroom – even if it's used for other purposes."

The completion certificate is irrelevant to counting bedrooms. (If a room is used as a bedroom or was built as a bedroom - it is a bedroom, irrelevant of the completion certificate.)


However, it sounds like you have been undertaking major renovations. Have you told your current insurer?

Leaving aside the bedrooms issue, if the renovations are still ongoing - you probably need to tell any new insurer that you are in the process of renovating your property.

da3533

Hello

Thanks

I do not have home insurance right now. (I am careful) I did not renew it because of this. I should have asked but did not realise until I started enquiring online.  When the construction was carried out, I did tell (esure) and they said that they had noted it down and told me to ring back when it has finished.

It is not major now. The new rooms upstairs are being used.   it is only one room which still needs tiling and toilets fitted. if you close the door, everything seems perfectly finished.

eddddy said:

You need to carefully read each insurers definition of a bedroom - and then count the bedrooms on that basis.

A typical definition might be "any room used as, or originally built to be, a bedroom – even if it's used for other purposes."

The completion certificate is irrelevant to counting bedrooms. (If a room is used as a bedroom or was built as a bedroom - it is a bedroom, irrelevant of the completion certificate.)


However, it sounds like you have been undertaking major renovations. Have you told your current insurer?

Leaving aside the bedrooms issue, if the renovations are still ongoing - you probably need to tell any new insurer that you are in the process of renovating your property.