Legal Expenses Insurance

Being a landlord you should be automatically covered under a landlord policy for the standard risks such as Fire, Subsidence, theft, flood and so on. However, being a landlord you may well feel that you are exposed to other risks that you may not necessarily been exposed to before. This is why you should consider taking out legal expenses insurance. You may be able to take out a legal expenses policy as an extra on your current landlord’s policy or if that’s not available, you can take out a standalone legal expenses insurance policy.

So, what does it cover you for? Being a landlord you are now exposed to events you had never been exposed to before. This may include the following:

Breach of Tenancy Agreement

This may provide cover for any breach by a tenant of any obligations they might have under the tenancy agreement signed and put in place.

Recover of Rent Arrears

Rent going into arrears is a big problem and in 2020, is getting an even bigger problem for many landlords, due to tenants facing financial difficulties from the effects of the Pandemic we are currently facing. What many tenants may fail to realise, is that Landlords have mortgages to pay off also, making Tenant Rent Holidays difficult.

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Evicting Tenants

This is not the course of action any landlord will wish to take but it is available as a last resort under a legal expenses insurance policy. This effectively gives the landlord the evict anyone on the premises without their permission.

Legal Defence

Being a landlord you are the spotlight and have no doubt about that. Legal Defence will cover the landlord and provide defence of criminal or civil proceedings in respect of any act omission or alleged act or omission by you arising out of ownership or the management of the property itself.

How much does Legal Expenses Insurance Cost?

Premium can be as little as £65.00 inclusive of IPT & Fee per year. It does depend on the level of cover you have, as some legal expenses policy will have cover ranging between £5,000 worth of cover to £100,000 worth of cover. There are various add-ons, however you are best speaking with an advisor as you may not need any extras in some cases.

How do I claim on a Legal Expenses Insurance Policy?

When you take out legal expenses insurance, you will be entitled to use a 24 hour 7 day a week legal line, which is standard as part of the policy.

If you insure a rental property, speak to us today and enquire adding on a suitable legal expenses insurance policy to compliment your existing cover. If you have no cover in place for the actual building, you may well be able to add a legal expenses insurance policy with a standard landlord insurance policy.

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Why choose the Property Insurance Centre

Independent advice by approachable staff online or by phone

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Why choose the Property Insurance Centre

Independent broker with staff you can speak to by phone or online

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Why choose the Property Insurance Centre

Independent broker with staff you can speak to by phone or online

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Specialists in Commercial & Residential Insurance

We have over 40 years experience as Residential and Commercial Insurance Brokers. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership. We work closely with our Insurers to get the best rates and our experience and excellent relationships with them mean that we can provide cover for even the most difficult to place risks.

Whether you have an adverse claims history, a high value property or a large portfolio of properties, we can source suitable cover for you. Whatever your requirements, we can tailor a specialist property insurance policy to suit your exact needs and provide you with a range of quotes to choose from. Established in 1976, we are not a call centre but a specialist insurance broker with a traditional office mentality, where the client comes first.

Looking for a quote now? Give us a call on 0800 085 3761 or complete one of our quote request forms.

We are also authorised and regulated by the Financial Conduct Authority and you can view our registration here.

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