Why buy residential let legal protection?
We are proud to offer landlords legal expenses insurance, providing what we believe is a great value product with a wide range of policy benefits that are not always offered with other insurance providers.
Available as a standalone insurance policy (or as an add-on to any existing residential let property insurance policy you have with us), our legal protection insurance will help you meet the cost of bringing and defending civil action to protect your interests in a let residential property situated in England, Scotland or Wales.
- cover for legal costs and expenses in the pursuit or defence of civil disputes relating to a let property;
- loss of salary or wages incurred for the time off work to attend any court or tribunal hearing as a witness or defendant (up to £100 per person per day, maximum £1,000 per claim);
- legal costs incurred to use your legal rights to evict anyone, other than tenants who have your permission to be in the property;
- a 24-hour Helpline, so you know we are always at the end of the phone if you need help;
- legal cover costs up to £50,000 per incident;
- insurance for all tenant types;
- insurance for both long-term leaseholders as well as those on a minimum 6-month agreement.
Please note: Legal cover premiums are calculated per individual lease agreement and not per individual property address.
Landlords, don’t get caught out with legal fees – call us now on 01702 606301 for a quote!
Landlords legal expenses insurance FAQS
At Cover4LetProperty, you are a valued customer. Our team are always on hand to answer any questions or queries you may have relating to your insurance policy or its terms and conditions. So please feel free to ‘phone us on 01702 606301.
In the meantime, here are some of our frequently asked questions relating to this insurance product.
Why buy landlords legal expenses insurance?
If you have a dispute with one of your tenants (for missed payments or damage for example) the cost, time and effort of pursuing any legal action against them would probably result in a financial loss to you – as well as being very time-consuming.
Landlords legal expenses insurance will provide you with security and peace of mind. So, if you need to take legal action against a tenant for eviction, repossession, damage etc., then your legal costs will be covered (up to the limits outlined above).
What does landlords legal expenses insurance cover?
In a nutshell, the insurance assists with the cost of legal expenses relating to proceedings you take against a tenant.
For example, your tenant misses several rent payments. You serve them notice seeking possession and begin court proceedings to get a possession order.
Your legal expenses insurance will cover (up to set limits) the cost of legal help to put your claim together and legal representation at the hearing. It will also include (again, up to set limits) loss of salary or wages incurred for the time off work to attend any court or tribunal hearing as a witness or defendant
Does landlords legal insurance include cover for rental arrears?
Landlords legal expenses insurance does not cover the actual rental arrears owed by your tenant. For this, you’d need to include our rent guarantee insurance cover. Our rent guarantee insurance includes cover for landlords legal expenses as standard.
How do I get a quote for landlords legal expenses insurance?
You can buy this insurance as a standalone product or add it on to your landlords insurance. To find out more about landlords legal protection insurance and enjoy the peace of mind it offers – or to get a quote – please ‘phone us on 01702 606301. We’d be delighted to help.
How do I reduce the risk of problem tenants?
Of course, you want the best possible tenants for your property, and so it makes sense to take pre-emptive steps before they move in. This can include tenant referencing, drawing up an inventory (with photos of the high-value items such as furnishings in case there are disputes are damage) and having a watertight tenancy agreement.
Backing this up with the most suitable landlord insurance and legal expenses insurance can help provide you peace of mind that your asset and your business is properly protected.
Why choose Cover4LetProperty for landlords legal expenses insurance?
At Cover4LetProperty, we are a long-established insurance company authorised and regulated by the Financial Conduct Authority, and registered in England and Wales. We strive to offer only first-class products backed up with first-class customer service. You can get an insurance quote online anytime. Or, if you prefer to speak to us, one our professional, dedicated team will be pleased to help you.
We are consistently rated 4 and 5 stars for our customer service by Feefo, the independent ratings website.