Insurance valid if use attic 'storage' as bedroom?

blue100

Lots of our neighbours are using attic space as a bedroom albeit planning permission only allows for the conversion to be used as storage space. How does this impact on a claim on house insurance?
Thinking of doing the same but would be concerned that If the room is being used for a purpose other than what it is allowed to be (ie outside of regulations) an assessor could say your house insurance is invalid?

peteb2

Wouldnt come into play at all if this was your primary residence. You just can't call it a bedroom when selling the property as it doesnt comply with regs.

lomb

Would be invalid if not declared actually https://www.insurancetimes.co.uk/claim-on-burned-down-760000-home-rejected-after-bedroom-miscount/1426747.article

peteb2

lomb wrote:

Would be invalid if not declared actually

lomb wrote:

Would be invalid if not declared actually

No. That happened because he misdeclared a question that was asked. Most insurers here don't ask how many bedrooms you have.

Sleeper12

peteb2 wrote:

No. That happened because he misdeclared a question that was asked. Most insurers here don't ask how many bedrooms you have.

Agree. Most insurance companies want the square footage rather than how many bedrooms

Henry Ford III

Question is why can't the space be used as a bedroom? If it's emergency access there might be an issue in the event of a fire claim?

peteb2

Henry Ford III wrote:

Question is why can't the space be used as a bedroom? If it's emergency access there might be an issue in the event of a fire claim?

Building regs.