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@Dammit
Marks and Sparks also say no- again unless I claim that I practice polygamy and therefore I am entitled to two (2) girlfriends, both of whom share my bed.
If I admit the truth and say that it is myself, the Mrs and a flatmate 99% of companies will simply not quote- they (M&S, Lloyds, Hiscox etc) will not insure you, or if they do the insurance will be invalid should you have a person who is neither a partner nor a member of your immediate family living with you.