Rent & Legal Protection

Rent & Legal Protection

Safeguard yourself against unwanted legal expenses and missed rental payments with legal expenses and rent guarantee insurance.

There are 5 types of legal expenses products available, 4 of which offer rent guarantee insurance, as follows:

Legal Expenses & Rent Guarantee (6 Months)

Comprehensive Legal Expenses and Rent Guarantee product covering the landlords costs for disputes between themselves and their tenant(s) up to a maximum of £25,000 per claim, with rent guarantee insurance up to a maximum of £3,000 per month.

This is a 6 month policy and costs just £62.00.

Legal Expenses & Rent Guarantee (12 Months)

Comprehensive Legal expenses and Rent Guarantee product covering the landlords costs for disputes between themselves and their tenants up to a maximum of £25,000 per claim, with rent guarantee insurance up to a maximum of £3,000 per month.

This is a 12 month policy and costs just £110.00 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) up to a maximum of £25,000 per claim, with rent guarantee insurance up to a maximum of £3,000 per month.

This is a 6 month policy which carries no excess and costs just £79.00.

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 up to a maximum of £25,000 per claim, with rent guarantee insurance up to a maximum of £3,000 per month.

This is a 12 month policy which carries no excess and costs just £139.99 per annum.

Legal Expenses Insurance (12 Months)

This is a comprehensive Legal Expenses product that will cover the landlord’s costs of any disputes between themselves and their tenant(s) up to a maximum of £25,000 per claim. This is a 12 month policy and costs just £45.00 per annum.


How to purchase Rent & Legal Protection Insurance

This product is offered in association with the NLA Tenant Check service. A Quote & Buy button is displayed next to eligble tenant applications in the list of completed tenant checks within your user account.


Tenant Referencing

It is a requirement of this insurance that the policy holder carries out references before the tenants move into the property. In the event of a claim, the responsibility lies with the insured to present the referencing documents.

All types of tenants have to be fully referenced either by NLA Tenant Check or a Referencing company approved by Rentguard – these include DSS, students, self employed lets and the like.

However, for full time employed working tenants a 4 point check will suffice* (please note that the details have to be valid from the start of the tenancy agreement.)

The 4 point check is:

  • Identification from the tenant, containing a clear verified photograph
  • Either a utility bill or a bank statement
  • Credit check; clear of CCJ’s, bankruptcies & 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 & 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.

Please note that when a working person does not meet the above requirements or after working out their ratio of income against the rental requirement it proves insufficient: then a full profile reference has to be carried out. This reference can only be carried out either by NLA Tenant Check or a Referencing company approved by Rentguard.


Relevant Downloads Click to download Policy Wording and KeyFacts.