I have just bought a 2 bed flat, and wish to take a lodger.  The flat is part of a block of 12, and each owner has a Share Of Freehold.   However am I in breach of the lease if I take a lodger, if lease says I can't 'sublet'..or whatever the term is?  If so what are the consequences? - i.e. could i be thrown out, and lose my flat altogether?  Could I avoid any problems, by taking out a Deed of Variation?..(or something similar)  Also is the buildings insurance rendered invalid if I have a lodger without  leasehold permission?  I have my own contents insurance, is this rendered void with a lodger..- obviously i will declare the lodger.   (BTW..some of the flats are tenanted).   Any help would be appreciated...  many thanks