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To give you greater flexibility you will not be charged a fee should you need to cancel 
your policy. T&C’s apply.

What is Rent Guarantee Insurance

Our Rent Guarantee Insurance protects a landlord against the loss of rental income should a tenant(s) fail to pay their rent up to a period of 24 months whilst still living in the property. It also provides Legal Expenses cover which will cover the costs associated with pursuing legal action against your tenant(s), for example for legal proceedings to recoup unpaid rent.

Legal Expenses will extend to cover you, the landlord should you need to take legal proceedings to evict a tenant(s) from the insured property, providing a valid eviction notice has been served.

It will also pay the costs that you may incur in the pursuit of legal proceedings to recuperate the cost of fixing or repairing damaged property that has been caused by the tenant. Our landlord Rent Guarantee Insurance will cover you for all of these benefits and more, and it’s available to landlords who own their property(s) within a limited company or in their personal name. 

Our policy can be purchased online in minutes and starts from just £150 a year. You can even spread the cost over 10 months by taking advantage of our monthly payment plans. Get a quote online now!

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Why choose Protectivity?

Free Legal Service

We have teamed up with LawAssure to give our customers FREE access to an abundance of landlord legal documents such as Tenancy Agreements and Section 21 notices. 

Trusted by Thousands

We have been providing insurance to UK customers for over 25 years. Today we protect over 60,000 customers each year, and uphold an excellent customer service score based on over 3,000 customer reviews. 

Monthly Payment Options

We are one of the only online Rent Guarantee Insurance providers to offer monthly payment plans with 0% APR. This means you can spread the cost of your cover across 10 months.

Excellent Claims Handling​

Our specialist UK based claims handlers aim to deal with any landlord Rent Guarantee Insurance claim you have, minor or serious, quickly, without causing disruption to you.

What does our Rent Guarantee Insurance cover?

Our Rent Guarantee Insurance will cover you for the amount of unpaid rent prior to vacant possession being obtained. In addition, we will provide you with cover for the costs and expenses incurred in legal disputes in relation to your property and tenant(s), such as legal action and court proceedings. We will provide cover up to a maximum of £100,000 for the following:

Rent Guarantee

This section of the policy will cover you for up to a maximum of 24 months of unpaid rent prior to vacant possession of the property being obtained, providing the unpaid rent in dispute exceeds the greater of £500 or one month’s rent.

Rent Recovery

This section of the landlord Rent Guarantee Insurance covers the costs of legal proceedings for undisputed and unpaid rent which is due under the terms of the tenancy agreement between you and the tenant.

Tenant Eviction

This section of the policy will cover the cost of taking legal action against a tenant(s) to evict them from your property, providing a valid eviction notice has been served.

Tenant Property Damage

We will pay your legal expenses should you need to recuperate the cost of fixing or repairing damage caused by the tenant to the property and / or its contents, providing the damaged item(s) was listed on the pre-agreed inventory.

Legal Defence

We will pay the Costs and Expenses to defend you, the landlord, against prosecution in a criminal court arising from the letting of the Insured Property. 

Squatter Protection

We will pay the costs for you to pursue legal action to evict a trespasser or any unauthorised person living at the insured property.

I was really pleased with how my claim was settled. It gave me great confidence that Protectivity covers me when the worst happens.

Fantastic claims handling

Whilst we hope you always receive your rental income, there is a chance that you will need to make a claim on your policy at some point due to unpaid rent. That’s why we’re committed to making our claims process as smooth and efficient as possible.

If you need to make a claim, just click the link below, select the relevant form and fill in the details and we’ll take it from there.

What is NOT covered under our policy?

The following is not covered as standard:

Prior Claims

Any claim, or incident which may lead to a claim, and which you knew about or ought reasonably to have known about before the start of this policy. 

Commercial Properties

Our policy is designed to protect landlords of residential properties such as single lets and houses of multiple occupancies (HMO).

Notice to Quit

Any claim where the Notice to Quit was served by you against the tenant(s) prior to the start of the policy.

Prior Legal Costs

Any legal costs incurred before a claim is made will not be covered. 

Frequently Asked Questions
Q. How does Rent Guarantee Insurance work?

A.  Rent Guarantee Insurance works as a type of landlord insurance which could cover your rental income should a tenant fail to pay their rent. Our policy also provides Legal Expenses cover, which will cover the costs associated with pursuing legal action against your tenants, or defending you if they decide to take legal action against you.

Q. What do I need to check before buying your Rent Guarantee Insurance?

A. For this insurance to be valid, your tenant(s) must have passed the relevant referencing process in advance of the tenancy commencing. This includes an affordability test, proof of earnings, proof of ID and credit referencing showing no CCJ’s in the past 3 years along with no previous bankruptcies and a good credit score demonstrating their ability to meet their rent commitments. Further information can be found in the Policy Wording – which is available when you get a quote. 

Q. How much is Rent Guarantee Insurance?

A. The cost of your rent guarantee insurance will depend on how much monthly rental income you wish to protect, plus the amount of tenancies that you wish to cover. Our policy starts from just £150 a year to cover a single tenancy agreement. We provide monthly payment options with 0% APR, meaning you can spread the cost of your cover over 10 months.  

Q. Will I be covered for legal action against my tenant(s)?

A. We will pay for your legal costs, providing the reason for taking legal action against your tenant falls within the terms and scope of cover in our policy.  

Q. Is this policy available for commercial property landlords?

A. No, our Rent Guarantee Insurance is only available to residential landlords. 

Q. Who underwrites your insurance?

A. Our Rent Guarantee Insurance policy is underwritten by Financial & Legal Insurance. 

Q. Will my rent guarantee insurance policy still cover me if I change my tenant?

A. Yes, the insurance is based on the property. As long as the new tenant has passed our referencing criteria and there is a tenancy agreement in place, then the insurance will be valid.

Q. If the tenant is paying over £2,500 per month in rent, can I take out cover up to the maximum limit of £2,500?

A. No – unfortunately if the tenancy contract is covering rent of above £2,5000 per month, we won’t be able to offer you a policy.

Q. If part of the tenants income is coming from other sources such as Universal Credit, Child Benefit, Child Maintenance, can this still be classed as income?

A. We are not able to accept Child Benefit or Child Maintenance as forms of income, as they can be stopped at any time. We will however accept a combination of the tenant’s salary and Universal Credit as income, as long as they equate to 2.5 times the monthly rent.    

Have a question? Contact us...

If you have any other questions regarding our Rent Guarantee Insurance, then feel free to get in touch on 01494 887909. Our phone lines are open 9am to 5:30pm, Monday to Friday. 

More information on what we can cover on this policy can be found on our FAQs page.