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  • FIRST POST
    • bessoby
    • By bessoby 8th Aug 18, 2:21 PM
    • 5Posts
    • 3Thanks
    bessoby
    Self-contained annexe insurance
    • #1
    • 8th Aug 18, 2:21 PM
    Self-contained annexe insurance 8th Aug 18 at 2:21 PM
    Hi all,
    I am trying to insure my mum's annexe that she lives in on our land. It is a converted garage and a separate dwelling for her. It has a council tax band but she is exempt due to her age and being a dependent. For the last two years our insurance company have insisted that her property is definitely insured and that by us adding up the total amount of rooms between our house and hers then we have our quote and are covered. However, after switching to another company and doing this today and phoning to check we were then told that we need to insure both properties separately.
    My problem now is who do I believe? In the event of having to claim I don't want it dismissed due to 'false' information. The insurance companies do not have a clue about this and we are currently uninsured as it is taking so long to get an answer.
    Please can anyone advise which is the correct option? If I try to insure as a separate dwelling it needs a house value which of course I do not have as it is an 'outbuilding' on my land. Do I need specialist insurance? Am I doomed to pay ridiculous premiums just because of this situation? Maybe landlord insurance, even though we take no rent from my mum?
    If anyone has any knowledge of this I would be so grateful.
    Thank you so much.
Page 1
    • dacouch
    • By dacouch 8th Aug 18, 8:09 PM
    • 20,630 Posts
    • 12,778 Thanks
    dacouch
    • #2
    • 8th Aug 18, 8:09 PM
    • #2
    • 8th Aug 18, 8:09 PM
    Whose name are each property in?
    • Zorillo
    • By Zorillo 8th Aug 18, 8:11 PM
    • 433 Posts
    • 282 Thanks
    Zorillo
    • #3
    • 8th Aug 18, 8:11 PM
    • #3
    • 8th Aug 18, 8:11 PM
    It entirely depends on the insurance company whether or not they want to accept it, so both companies are right.
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