A mate of mine has just moved into a new build house. The arrangement is a little unusual in that they have a garage adjoined to their house and above the garage there is a flat (part of a flat) owned by another party. The builders informed my mate that they could not install any lighting or power to the garage as this would not be covered by insurance. Doesn't sound right to me! can anyone tell me if this contravenes some building regulation? or are the builders just dodging it.