There are 3 types of products available in this category, 2 of which are provided with rent guarantee insurance, as follows:

Legal Expenses

This is a comprehensive Legal expenses product that will cover the landlords costs of any disputes between themselves and their tenant(s). This is a 12 month policy and costs just £39.00 per annum.

Legal Expenses & Rent Guarantee (6 Months)

Comprehensive Legal expenses product covering the landlords costs for disputes between themselves and their tenant(s), with rent guarantee insurance up to a maximum of £2,500 per month. This is a 6 month policy and costs just £53.00.

Legal Expenses & Rent Guarantee (12 Months)

Comprehensive Legal expenses product covering the landlords costs for disputes between themselves and their tenant(s), with rent guarantee insurance up to a maximum of £2,500 per month. This is a 12 month policy and costs just £99.00 per annum.

Legal Expenses & Rent Guarantee No Excess (6 months)

Comprehensive Legal Expenses and Rent Guarantee product covering the landlords costs for disputes between themselves and their tenant(s), with rent guarantee insurance up to a maximum of £2,500 per month. This is a 6 month policy which carries no excess and costs just £69.00.

Legal Expenses & Rent Guarantee No Excess (12 months)

Comprehensive Legal expenses and Rent Guarantee product covering the landlords costs for disputes between themselves and their tenants, with rent guarantee insurance up to a maximum of £2,500 per month. This is a 12 month policy which carries no excess and costs just £124.99 per annum.

Legal Expenses – Property Dispute No Excess

A legal Expenses insurance product that also includes land and property disputes cover. This policy will pay for the costs of disputes the property owner may face which relate to: advisor’s costs for evicting trespassers; property boundary issues; defence of prosecution relating to the insured property for Gas and Safety, Furniture and Furnishings and Electrical Equipment Regulations and Identity Fraud. The policy is available for 12 months and costs £15.00 and is available as part of the buildings insurance.

Tenant Referencing

We also offer a tenant referencing service.

All type of lets have to be fully referenced either by Rentguard or a referencing company approved by Rentguard – these include DSS, Students, Self employed etc.

However, full time employed Working Tenants can have a 4 Point check* carried out for them (Please note that the details have to be valid from the START of the policy.)

The 4 Point check is:

• Identification from the tenant, containing a clear photograph
• Either a Utility Bill or a Bank Statement
• Credit check, clear of CCJ’s, bankruptcies and indicating confirmation of residency.
• Confirmation of employment – a written employers’ reference on company letter headed paper confirming the tenant’s permanent and current employment and that their salary is at least a multiple of 2.5 of the Tenant’s Rent (The documents should be no more than one month old from the start of the tenancy)

* Please note that if the 4 point check is applied and is in place, there will be no need to do a Full Profile – though in the event of a claim, the responsibility lies with the insured to produce the appropriate documents.