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Bedroom-rated policies
base what you pay for your insurance on the
number of bedrooms in your house.
This sort of insurance may not be available
if your house has more than certain number
of bedrooms (including those that you do not
use as bedrooms – a storage room or
office at the top of the house, for example).
If your house has 6 bedrooms or more we recommend
visiting our specialist
household and contents insurance brokers
who will be able to find a cheaper deal for
you through specialist underwiting markets.
• If a bedroom-rated
policy offers unlimited cover, you do not
need to know the total value of your possessions
and there is no risk of you being under-insured.
However, you may still need to calculate the
replacement cost of high-risk items.
• If a bedroom-rated policy puts a limit
on the amount you are insured for –
e.g. £40,000 – you will still
need to work out the total value of your possessions
to see whether the policy’s limit will
provide sufficient cover.
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