got lodger

[dog breath]

i have got a lodger but havent got her to sign a tenancy agreement. What consequenses (worstescinario) could happen?

[Ethel]

Have a read of this:
http://www.thisismoney.co.uk/mortgages/article .html?in_article_id=405266&in_page_id=8

Have you sought permission of the mortgage company or landlord where appropriate?

Have you notified your household insurance company?

A tenancy agreement is the wrong term - a lodger is not a tenant and has fewer rigths. But why haven't you made her sign a lodger contract?

[dog breath]

because Im lazy. i told the insurance yes and they just told me that im not covered if they break anything.