> However you will have to declare the roof as being "non-standard" if the proposal form asks the question.
This is the interesting thing, from looking at sites online they all seem to ask about different things, so some specifically ask 'is your roof greater than x% 'non-standard' construction eg 'flat roof' others ask nothing about the roof initially but then when the give the quote it is accompanied by a list of 'assumptions' which will include 'your roof is of standard construction'. Others still make no mention of the type of roof whatsoever.
It's clear that if I explicitly point out that my roof is 'non-standard' they are going to refuse to quote or jack up the price, so is it the case that if they don't ask and don't include it in their list of assumptions then I just pay the premium and say nothing or would they send me more extensive paperwork once I had paid the premium which might then include conditions about the type of roof in the fine print ?