I am exploring property insurance (both homeowners and landlords for lodgers & tenants respectively) and am addressing the qualifying questions (bankruptcy, CCJ, convictions or insurance rejected/ declined etc). I know that the first two are covered in the Guild’s application for accommodation but can’t locate reference to the others. Are they covered elsewhere? Any plans for them to be incorporated? Any reason why landlords cannot add an attachment to the contract asking these questions?
As insurers appear to require all occupants to meet these criteria, what happens if tenants/ lodgers lie or cannot – Presumably insurance for the property will be void even if the landlord acted in good faith? Of course the potential implications could be disastrous in the event a claim was necessary.