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Home Insurance Renewal (Public/Personal Liability now excludes Tenants)

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  • 30-10-2018 6:05pm
    #1
    radooo
    Registered Users Posts: 114 ✭✭


    Hello, I am seeking advise.

    My home insurance is due to renewal and I rang my home insurance provider and among several questions asked whether the public/personal liability applies to single room let to tenant (I am owner occupier). They said the insurance includes public/personal liability to tenants as long as there is a single tenant per room.

    Since the phone call (this morning), they have emailed me an updated policy which includes special condition (which I didn't have in neither my proposed renewal policy, nor the old policy) that states:

    "Owner occupied building with single room let to tenant: exclusion under event insured Public and Personal liabilities and the contents definitions, does not include a single tenant occupying a room in your home. However, we will provide cover for loss or damage (excluding accidental damage, if this applies) to a single tenant's personal belonging's up to xyz."

    1. Could you advise whether the insurance provider can legally include a new special condition (out of blue) to my existing policy upon renewal and on what basis?

    2. In addition, are you aware of home insurance providers who would include tenants into public and personal liabilities within the policy under rent a room scheme (landlord live-in)?

    Many thanks.
    Tagged:


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    #2
    peteb2
    Registered Users Posts: 1,813 ✭✭✭peteb2


    radooo wrote:
    1. Could you advise whether the insurance provider can legally include a new special condition (out of blue) to my existing policy upon renewal and on what basis?

    They can on the basis you have advised them of a material fact. Did you read your policy ahead of letting the room out to see whether it allowed you to?
    radooo wrote:
    2. In addition, are you aware of home insurance providers who would include tenants into public and personal liabilities within the policy under rent a room scheme (landlord live-in)?

    No and why would they. You are the policy holder. Why would you like your insurers to pay (and yourself by way of a claim under your policy) for your tenant opening an umbrella and taking someone's eye out??


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