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What does it cover?

We will appoint a solicitor to represent you and pay their costs to protect your rights as a landlord arising from:

  • Repossession;

  • Property damage, nuisance and trespass;

  • Recovery of rent arrears;

  • Property-related prosecution defence.

We will also pay alternative accommodation and/or storage costs while trying to gain possession of your property.

Rent indemnity cover is also included so you do not end up out of pocket if repossession is being sought and your tenant defaults on rent due.

 

Assistance when you need it

Landlords’ Legal Expenses Insurance includes useful assistance services providing helplines and online help. Here is a summary.

 

Legal and tax advice

You can call our legal advice helpline and get immediate advice on all tenancy-related legal problems within UK law 24 hours a day, 365 days a year.

You also have access to our tax advice line, open 9am-5pm, Monday to Friday (except bank holidays), which will answer your personal tax queries subject to UK laws.

Your query will be dealt with by a qualified specialist who is experienced in handling legal and tax-related matters. Services are subject to fair and reasonable use.

Legal advice helpline
 

Landlords’ legal services website

Your policy unlocks free access to our landlords’ legal services website, this provides a range of useful tools to help you. You can access our law guides which offer guidance on a wide range of legal topics, as well as videos and claims examples that demonstrate how our cover can help.

 

Various levels of cover

We offer a number of different products; for example, more comprehensive policies will offer extra areas of cover, including cover for contract disputes and tax protection.


Commercial legal expenses insurance

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Loss assist

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Tenant problems checklist

This checklist will give you an idea of the topics our legal advisers will want to cover. Get this information ready in advance of your call so our experts can give you the best possible advice and avoid having to stop the call for you to gather more information.

Please note – this checklist applies to properties based in England. If your property is based in another location this checklist will not apply, but we can still give you advice over the phone for properties in some other locations.

  • 1. What sort of residential tenancy do you have?

    Is it an Assured Shorthold Tenancy (AST), an Assured Tenancy, House of Multiple Occupation (HMO), etc?

  • 2. When did the tenancy start?

    What is the start date of the original tenancy and any renewal tenancies?

  • 3. What is the initial fixed term of the tenancy?

    When the tenancy started, how long was the initial period before it moved into a rolling tenancy?

  • 4. Are there any break clauses within the tenancy agreement?

    Is there a clause in the tenancy agreement that allows you or the tenant to end the tenancy before the end of the initial fixed term?

  • 5. Have the tenants paid a deposit and did you manage it correctly?

    Has the deposit been protected in a Government approved tenancy deposit scheme and was information about the deposit scheme provided to the tenant within the relevant time frames?

  • 6. How much deposit have you taken?

    What is the total deposit amount for the property?

  • 7. Has the tenant been served with all the correct certificates?

    Energy Performance Certificate, a Gas Safety Certificate and the How to Rent Guide?

  • 8. Are there any retaliatory eviction issues?

    These relate to claims by the tenant about the condition of the property which lead to local authority involvement.

  • 9. Do you use a letting agent?

    Is there a person or company that manages the property and tenant on your behalf?

  • 10. Have you served any notice on the tenant? If so, when?

    This can include a section 21, section 8, or just an “informal” notice.

  • 11. Does the tenancy allow section 8 notice to be served within the fixed term?

    Is there a clause referring to Section 8 notice or schedule 2 grounds within the tenancy?

  • 12. Is the tenant in rent arrears?

    If so, how many weeks/months in arrears is the tenant?