Charlie Weston

All those things could be a great solution for family members in particular.

But there is an issue around your insurance, a big issue here.

If you're going to put a cabin in your garden, that changes the whole risk profile of your property.

Suddenly you have more people on the premises.

You have a different type of structure, which may not be just attached to the house, probably won't be.

And maybe using a different form of construction, a kind of a flat roof.

And the insurers hate flat roofs.

But the big one is if you don't upgrade your insurance and get onto your insurer and be very specific about what you're doing.

You could be left underinsured.

Now, essentially, that is, Matt, supposing you have a €300,000 house and it's insured for €300,000.

You add a €100,000 modular home.

Suddenly, you're talking about a rebuild cost of €400,000 if there's a big fire on that site, say.

But maybe you didn't upgrade the insurance.

If you didn't upgrade the insurance, you're still insured for €300,000.

you have a 75% shortfall.

So if you go make a claim for 200,000 euros, say you're going to be 50 grand short.

So that's the big risk.

So I've been talking to this insurance claim specialist and he's also a quantity surveyor, Trevor Kelly, and he's been outlining all this to me.

And it's been confirmed by Insurance Ireland that there's a big risk here that people don't realize your liability completely changes as well because you've

Of course, there's a massive issue around security.