Rent protection & legal cover explained
See how Rentals & Sales shields your cashflow with comprehensive arrears cover and managed legal proceedings.
Policy features at a glance
Our preferred insurer recognises thorough referencing and proactive management. The result: strong coverage, quick payouts.
Guaranteed rent
Pays the monthly rent (up to policy limits) when tenants fall into arrears, usually after an initial waiting period of one month.
Legal eviction costs
Covers solicitor fees, court costs and bailiff instruction required to regain possession for covered events.
Vacant possession
Continues payments until vacant possession is achieved or the property is re-let, subject to policy cap (often up to 12 months).
Standing order monitoring
We monitor payments daily, flag arrears immediately and trigger notifications before the insurer’s claim window closes.
How a rent protection claim works
We manage every stage—from the first missed payment to re-letting—so you stay informed and paid.
1. Arrears detected
Our accounts system flags a missed payment on day one. We contact the tenant and log the arrears so there is a clear evidence trail.
2. Pre-action protocol
We issue compliant arrears notices, agree repayment plans where possible and document every interaction—insurers require proof of reasonable steps.
3. Claim submission
If arrears persist beyond the waiting period (typically 30 days), we submit the claim with statements, communications and tenancy documents.
4. Legal proceedings
Insurer-appointed solicitors (or our panel) handle notices, possession claims and warrants. We manage access, inspections and coordinate with tenants.
5. Resolution & re-letting
Once possession is regained, we arrange repairs, compliance checks and re-market the property—keeping void durations to a minimum.
Who benefits from rent protection?
Whether you’re highly leveraged, retired or abroad, guaranteed income reduces risk.
Mortgage-dependent landlords
Cover keeps mortgage payments on track, protecting your credit and avoiding costly arrears letters from lenders.
Portfolio owners
One policy per property can be expensive. We negotiate portfolio discounts and report claim data so insurers view you favourably.
Overseas investors
We act locally on your behalf, managing legal steps, coordinating locksmiths and providing real-time updates in your time zone.
Secure your rental income today
Request a quote and we’ll confirm premiums, set-up timeline and how the policy integrates with your management plan.
Rent protection questions we’re asked most
If you have a scenario not covered below, speak with our lettings team for tailored guidance.
What are the policy limits?
Our standard policy covers rent up to £2,500 per month for 12 months and legal costs up to £100,000. Higher limits are available for premium properties—ask for a bespoke quote.
Is there an excess?
We use a nil excess product. Once the claim is accepted, the insurer covers the full contractual rent until arrears are cleared or limits are reached.
Do tenants need to be referenced through Rentals & Sales?
Yes. Insurers require full referencing (credit, income, landlord history) and right-to-rent checks handled by us or our referencing partner. We maintain the records on file for audit.
Can I join mid-tenancy?
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.
Ready to move forward?
Whether you're planning a sale, letting a portfolio or searching for your next home, Rentals & Sales will create a tailored plan that delivers. Flip us the keys—we'll handle the rest.