It seems that I do not have to apply the full HMO regulations from a local council enforcement perspective unless I need to obtain a license from them(they only have powers of enforcement as part of a license or because they have carried out a health and safety rating assessment). This was a previous question and answer.
This is understood, but, if I do not apply the FULL HMO requirements (eg. 30 minute fire resistant ceilings and partitions, and emergency lighting as well as fire doors, interlinked alarms etc) is there a risk of committing a criminal offence if there is a fire?
And is there a risk of insurers not paying out on building insurance in case of a fire because I fail to meet legal requirements? (I have asked my insurers and their answer is vague).