Landlord Legal Expenses Insurance

As with all policies, there will be terms and conditions. The main consideration is when you are able to make a claim. For legal disputes the amount in dispute must be more than £1000. For eviction, the rent arrears must be over £250.

“Nuisance emanating from a property” is defined as something that causes inconvenience or damage to the use of your property. This could come in many forms, the most common of which are noise, smell, and damp coming from adjoining properties.

Yes, the insurance is based on the property. As long as there is a tenancy agreement in place then the insurance will be valid. If you wish for full cover to be in place you will also need to reference the new tenant(s). However, landlords insurance statistics do suggest that a change of tenant may affect the price you pay for your insurance.

There is no legal requirement for the product, although it is highly advisable to avoid lengthy and costly legal disputes.

You can cover up 25 tenants on this policy in a student let/HMO (House of Multiple Occupancy). You will need a separate policy for each tenancy agreement.

As this is a legal policy a factor called “chance of success” is used. This means if there is a good chance of success in the courts (over 50%), the claim will be covered. This is to stop frivolous claims being pursued where there is limited chance of success e.g. where the correct procedures for notification of eviction have not been followed.

Yes. While not all elements of the policy will be active, you will still have cover under the legal advice helpline, tax investigation, and repair and renovation disputes.