Rent Protection for Wimbledon Landlords
Often searched as 'guaranteed rent' — what we offer is insurer-backed rent protection: missed rent paid for up to 12 months, legal costs covered, and the whole claim managed by our local team.
'Guaranteed rent' vs rent protection — what's the difference?
If you've been searching for guaranteed rent in Wimbledon, it's worth knowing the two models are very different.
Guaranteed rent schemes
The agency becomes your tenant and pays you a fixed rent regardless of occupancy — typically at a discount to the market rent. We don't operate this model.
Rent protection (what we offer)
You receive the full market rent your tenant pays. If they stop paying, insurer-backed cover pays the rent (up to policy limits) and covers the legal costs of regaining possession — while we manage the whole process.
Rent protection at a glance
Our standard policy covers rent up to £2,500 per month for 12 months and legal costs up to £100,000 — with nil excess.
Missed rent paid
If your tenant falls into arrears, the policy pays the monthly rent (up to policy limits), usually after an initial waiting period of one month.
Legal expenses covered
Solicitor fees, court costs and bailiff instruction required to regain possession are covered for qualifying events — up to £100,000.
Nil excess
Once a claim is accepted, the insurer covers the full contractual rent until arrears are cleared or policy limits are reached — with no excess to pay.
We manage the claim
We monitor payments daily, flag arrears immediately, issue compliant notices and submit the claim with the evidence insurers require.
Rent protection is included at no extra cost with our Full Management service (15% + VAT), subject to tenant referencing — or available as a standalone product from £35/month. For the full mechanics of how claims work, read our rent protection guide.
Managed from our Wimbledon office
Rentals & Sales is an independent, family-run agency at 45 Quicks Road, SW19 1EY, serving Wimbledon and the surrounding postcodes since 1990.
When arrears happen, you deal with the team who referenced your tenant and manages your property — not a remote claims line. We handle the notices, the evidence trail and the insurer, and keep you informed at every stage.
Get your rent protected
Book a protection assessment and we'll confirm cover, set-up timeline and how it fits with your management plan.
Rent guarantee questions, answered honestly
If you have a scenario not covered below, speak with our lettings team for tailored guidance.
Is this the same as a guaranteed rent scheme?
Not quite — and the difference matters. In a guaranteed rent scheme, the agency becomes your tenant and pays you a fixed (usually discounted) rent regardless of occupancy. We don't operate that model. We offer insurer-backed rent protection: you receive the full market rent your tenant pays, and if they stop paying, the policy pays the rent (up to policy limits) and covers the legal process.
How much rent is covered, and for how long?
Our standard policy covers rent up to £2,500 per month for 12 months and legal costs up to £100,000, with nil excess. Higher limits are available for premium properties — ask for a bespoke quote.
Is rent protection included with your management service?
Yes. Our Full Management service (15% + VAT) includes rent guarantee and legal expenses insurance at no extra cost, subject to tenant referencing. Rent protection is also included with our Rent Collection service, and can be arranged as a standalone product from £35/month.
Do tenants need to be referenced?
Yes. Insurers require full referencing — credit, income, landlord history — and right-to-rent checks, handled by us or our referencing partner. We keep the records on file for audit.
Can I add rent protection mid-tenancy?
Yes. Policies can be added at renewal or mid-tenancy once we've completed a rent review, inspection and referencing updates. There is a 30-day exclusion period for existing arrears.
What happens when a tenant stops paying?
Our accounts system flags the missed payment on day one. We contact the tenant, issue compliant arrears notices and document everything. If arrears persist beyond the waiting period (typically 30 days), we submit the claim, and insurer-appointed solicitors handle possession proceedings while you keep receiving rent within the policy limits.
Never chase rent again
Book a free protection assessment with our Wimbledon team and see exactly how your income would be covered.