I'm sooo pleased to have seen these posts - I was beginning to give up!

I too have a (sadly) vacant grannyflat, and was thinking of a small b&b operation - and found that my insurers RIAS, like Saga won't consider it, though I can have non-paying guests 365 days a year. I currently pay £450pa.

Quotes from 'specialist' brokers range from £1000 to £2700 to replicate my RIAS cover plus b&b, so it's a non starter really, and, astonishingly, the cheapest did itemise the b&b risk - at £50pa! So, we know the value of the risk - it's tiny - so why can't the RIAS and Saga underwriters get their brains round it? I even offered to consider a 100% increase in my premium to stay, and was turned down.

There must be hundreds if not thousands of retired houseowners either put off, or worse, blissfully unaware that their insurance may be invalidated.

I'll certainly follow up the links above after the weekend and see what they can do.

Sybil