Insurance for an upper conversion in Scotland

[Snappyteabread]

I asked this question a while back, but Im wondering if something has changed....
We live in an upper conversion of a semi detached villa. Something like this
www.rightmove.co.uk/property-for-sale/property-83045930.html
www.rightmove.co.uk/property-for-sale/property-73964065.html

although we have a main front door which we share with our downstairs nighbours, with shared hall going upstairs, and then our own front door....

It's home insurance renewal time. I'm trying to get building and contents. Have been told we are "maisonette converted", which I think is correct - (for years I thought we were a "flat", but as our property is over 2 levels, ie living area on one level and bedrooms upstairs, Im told this is a "maisonette converted" ) What is strange is that they have told me that for me to get buildings insurance, I have to include the number of bedrooms and bathrooms of our downstairs neighbours in the total, even though they have their own building insurance policy. I've never been asked for this before. Have always explained the set up, and told them ours is a 3 bedroom property. They know we are in Scotland where everything is freehold.
Does anyone live in a similar property and have this issue with home insurance/getting buildings insurance sorted?
I now need to call round some more companies and go through all the same discussions again, as I suspect they probably all have their own terms and conditions. Frustratingly they won't put anything in writing at this point, but for sure whoever I go with I will get them to document it.
A few years ago when I went through renewal, Lloyds told me we are "converted top floor flat" and sent me a letter to confirm, but due to conditions in Scotland they were only able to print on the policy that we are a "purpose built top floor flat". Today they've told me we are "maisonette converted" - aaaaagh!

Try Advance insurance (they're brokers) on 01249 463206.

I've just changed to them (already have my car insurance with them) after they gave me a very good quote for buildings and contents. (Got an extra discount because I have my car insurance with them). Always very pleasant to deal with - have ended up renewing my car insurance with them for last few years because when they ring me, their renewal is in the same ball park as the Go Compare/comparethemarket comparison websites. (Had initially found them via one of the comparison websites).

We're in an upper conversion - only difference with what you describe is that we have our own entrance on the ground floor (effectively cutting through our neighbours' house on the ground floor) leading to our own stairs (with a lovely double height arched window) to the first (our main) floor and then we also have an attic floor.

£1 million rebuild cost, £80,000 contents (new for old plus accidental damage), bikes (3 expensive ones, 1 B'Twin), ds is covered away at Uni, 9 years No Claims, £100 compulsory excess: premium £490 (including the discount).

Previously I was with Privilege. Renewal for them was £680. (Although they'd upped my contents to £100k, which was excessive).

Maisonette was the description I learned to use with Privilege and used the same term with Advance (and talked through the whole "Scottish freehold/joint responsibility for roof and walls" with him).

We live in a similar property although it’s a non standard shape and so our split is different.

The problem we had was the rebuild costs. The insurance company were adamant that the rebuild cost should be about half the purchase price, when it fact it would probably be double. They would not believe us and needed up sending someone out from the local branch.

Trying to explain to them that they would have to rebuild in the same style as it was half of someone else’s house etc etc .

It’s not as if it’s a very rare house type.