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That's great but make sure it's all on paper because any consultant/agent will insure you to get his commision

I don't believe any insurer will insure a non approved duelling. The risk to them is very high. If you did take insurance and didn't mention the granny flat you could probably get away with it. However, if you ever make a claim, and the insurer found out of its existence they could use non...

Ouch I'd apply for council approval ASAP, from what I heard the granny flat approval rules in Sydney have been relaxed due to the housing shortage. If the granny flat is currently rented, leave it vacant till the council approval has come through. Otherwise lock it up or as a last...