Yes, but I neglected to mention initially the nature of the compartment floor - or I thought that fullfilled the standard assumptions below as follows:
- 'The premises is built of brick stone or concrete and roofed with slates tiles or other incombustible materials'
- 'No more than 20% of the roof is flat'
It seems I don't, and I suspect that my neighbours are making the same mistake and would not be covered in the event of a claim. I did say this to them and they assured me that all their affairs were in order (mind you own business in other words!!).
When I went to switch insurance after year one, I did mention it and that's when I hit problems. I am now uninsured, but afaik policy cancellations do not flag up with the lenders.
My lender is AIB, but AIB home insurance won't touch it.