The UK rental market is changing. The introduction of the Renters' Rights Bill will make it harder and more time-consuming for landlords to regain possession of their properties. With rising costs and increased financial pressures on tenants, the risk of rent arrears has never been higher.
At Atlas Estate Agents, we believe landlords shouldn't have to bear this risk alone. That's why we now offer Rent & Legal Expenses Insurance—a safeguard to ensure your rental income is protected and your property remains a sound investment.
Why Do Landlords Need Rent Protection Now More Than Ever?
The Renters' Rights Bill will introduce significant challenges for landlords:
The period of arrears before legal action can begin will increase from 2 months to 3 months.
The notice period for rent arrears will double to 4 weeks.
Section 21 evictions will be abolished, making it harder to regain possession of your property.
With the cost-of-living crisis continuing, tenants are under more financial pressure, increasing the risk of arrears.
In practice, this means you could face up to 4 months of rent arrears before legal action can even begin. Now, more than ever, having a safety net is essential.
Why Choose Our Rent Protection Service?
When tenants miss payments, it can put serious strain on your finances. Our Rent & Legal Expenses Insurance, ensures you receive your rent even if your tenant falls into arrears or breaches their tenancy agreement.
Key Benefits for Landlords*
Guaranteed Rent Payments – Covers the full monthly rent, regardless of the number of tenants on the Tenancy Agreement.
Long-Term Protection – Receive missed rental payments until vacant possession or for up to 15 months, whichever comes first, up to a maximum of £50,000.
Financial Support After Possession – Up to three months' rent at 75% after vacant possession (where applicable).
Legal & Eviction Costs Covered – Up to £100,000 to cover professional eviction costs for certain tenancy breaches.
Court representation – We arrange for a legal advocate to attend court on your behalf.
Protection Against Tenancy Breaches – Covers non-payment of rent and other tenant breaches.
Support Even in Disputes – If the tenant defends the action taken, we'll assist in finding the best resolution.
Policy Stays in Place Even If Tenants Change – As long as new tenants pass referencing.
12-Month Policy Term – With payments automatically continuing beyond the term where applicable.
Tax deductible – The cost of the insurance is fully tax deductible.
* Subject to policy terms and conditions. Your interest will be noted in our policy and we will write to you to confirm your interest in a policy once we have arranged it.
Not Just “Another” Rent Protection Service
Unlike other rent protection schemes, our service ensures you are included in our Rent & Legal Insurance policy with Let Alliance. This means:
No deductions/excesses – you receive 100% of your rent if a claim is successful.
We handle everything for you – from claim management to court representation.
Your interests are protected – any sums recovered are passed directly to you.
What If I Already Have Insurance?
We completely understand that some landlords may already have their own cover, but we wanted to highlight a few key considerations that might make our offering a better fit for you:
Loss of Rent - Please do not confuse Loss of Rent with Rent & Legal Expenses Insurance. Loss of Rent covers rental income lost due to an insured event, such as fire or flood damage to the property.
Effort-Free Claims Handling – If you ever need to claim on your insurance, you’d typically be responsible for managing the entire process, from submitting paperwork to liaising with solicitors and attending court if necessary. With our insurance, we handle everything on your behalf, saving you time and stress.
No Excess or Hidden Costs – Many insurance policies include an excess or additional fees that apply when making a claim. With our cover, there are no hidden costs – you receive the full rent amount, subject to policy terms.
Future-Proofed Cover – With the upcoming Renters Reform Bill, the rental landscape is changing. Some insurers may adjust pricing or impose new conditions as a result. Our insurance is specifically designed to remain robust and reliable in the face of these changes.
Referencing & Compliance Risks – Most policies have strict requirements regarding tenant referencing. We cannot guarantee that our referencing and processes align with your insurer’s terms, which could risk invalidating a claim. With our policy, everything is fully compliant.
Competitive Pricing – Have you compared the cost of your policy with ours? For a modest 3 percentage point + VAT increase in your management fee, you receive comprehensive protection with no additional admin or stress. Our policy may actually be more cost-effective than your current provider.
Affordable, Hassle-Free Protection
For just 3% + VAT of the rent per property, payable monthly, you can secure your rental income and safeguard your investment.
Want extra protection? We can also offer a no-obligation quote for landlord buildings, contents, and home emergency cover.
Don’t wait for rent arrears to become a problem. Call us today on 0151 727 2469 to discuss your options.
In an unpredictable market, make sure you stay in control.
“I cannot understand why every landlord is not covered by rental guarantee and legal expenses insurance, and this is particularly important for 'accidental' landlords who are often as much potential victims of a recession as their tenants”.