Contents insurance - illegal subdivision

May 28, 2012 by Joe in forum Planning Forum

#228 Joe, 28 May 2012, 16:20

Hi
It's come to our attention that our landlord has illegally subdivided a house and is renting us one of the two resulting maisonettes. I'm in the process of getting the council to make everything above board (anonymously so will hopefully avoid a retaliatory eviction). Does anyone know if contents insurance is invalidated if it's an illegal subdivision? Not keen to be left with a useless policy!
Thanks
Joe

#235 kim, 18 June 2012, 13:02

Hi,The landlords building insurance will be affected if he hasn't disclosed all information but presumably your tenants insurance is for your possessions only so is unlikely to be affected.
The problem on eviction is that if the conversion was done less than 10 years ago the planning department could issue an enforcement notice on the landlord to reinstate to a single dwelling. In this case, you wouldn't be allowed to occupy the property. The fact that you reported the breach anonymously will be irrelevant.-Ive seen this happen several times.

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