My parents own a house in Northern Ireland which is 'split' in two halves and one half is rented out as a self-catering holiday home with its own entrance and exit door. The whole house still has only one postal address and the two halves have an interconnecting door which is locked on my parents' side.
They currently have insurance from Santander (buildings, contents and public liability) but Santander are going to exclude the public liability aspect from the policy in January.
My questions are:
Did Santander provide enough cover for their situation (Satander said they