Home Insurance, with Lodgers -BEWARE

[jaizan]

I live in a house and have up to 3 lodgers with me.

I'm now finding problems where insurers will cover me for 3 lodgers, but require me to inform them if that number changes.
Since I rent mainly to MSc students, that number often goes down to zero during the year, but never exceeds 3.

Having to phone the insurer is inconvenient and potentially expensive.
I would far rather have a policy that covers me for the worst case scenario, e.g. "UP TO 3 LODGERS". Then there would be no need to phone them.

1 Does anyone else have the same problem ?

2 Take care to ensure your insurance is not invalidated due to non-material error in the description.

[I'm not sure if this topic belongs here, but after looking up and down the forum headings I figured this was best. Moderators have permission to move this.]

[didds]

I'm not in this position, but i sympathise entirely. it really smacks of a "computer says no" mentality.

I suppose there is the inevitable "administration" charge every time that numbers changes too