This policy provides comprehensive protection for landlords, covering both legal support and financial losses linked to tenancy issues:

• 24/7 Legal Advice Helpline
  Access expert legal guidance at any time.
• Legal Pursuit (up to £50,000)
  Support to enforce your rights as a landlord, including:
  • Gaining possession of your property after a breach of tenancy
  • Evicting unauthorised occupants
  • Recovering unpaid rent
  • Resolving disputes following property damage
• Legal Defence (up to £50,000)
  Cover for legal costs if you are prosecuted in connection with letting your property.
• Rent Guarantee (up to £2,500 per month for up to 12 months)
  Protection against lost rental income when tenants fall into arrears (subject to a valid legal pursuit claim).
• Hotel Expenses (up to £3,000)
  Covers temporary accommodation costs if you’re unable to live in your property while trying to regain possession.

There are some situations where cover will not apply. These include:

• Failure to meet tenant referencing requirements
  Any claim where you have not fully followed the policy’s tenant referencing criteria before the tenancy starts (or before the policy begins for existing tenants).
• Early or late claims
  • Claims arising within the first 90 days of cover
  • Claims made outside the policy period
• Late notification
  Claims where delays in reporting the issue have negatively affected the insurer’s position.
• Property works or structural issues
  Claims relating to:
  • Building, converting, or extending the property
  • Planning or regulatory issues
  • Subsidence, landslip, mining, or quarrying
  • Works ordered by government or local authorities
• Pre-instructed legal costs
  Any legal costs incurred before registering a claim with the insurer.
• High rental amounts
  Rent guarantee does not apply where the monthly rent exceeds £2,500.