Broker Training –

Landlords Legal Expenses & Rent Guarantee

Landlords Legal Expenses & Rent Guarantee Sales Process

The Lexelle Landlords Legal Expenses & Rent Guarantee policy safeguards Landlords from potential issues that may arise from letting out their property and the effect this can have on future expected rental income and finances.

It is important to run though the following product features, covers, pre-requisite terms and key areas that are not covered by the policy as a minimum set of declarations prior to sale of the Lexelle policy.

Landlords Legal & Rent Guarantee Summary of Key Covers

There are 2 versions of our Landlords Legal & Rent Guarantee product with different tenancy reference criteria’s which is summarised in the following document:-

Guide to the different referencing criteria under each policy.

Please ensure that the policyholder is made aware of the following policy conditions and exclusions prior to purchase.

Landlords Legal Expenses & Rent Guarantee Summary of Key Covers

The policy provides a free 24/7 legal advice service for all policyholders. This service is available for all legal issues falling under the jurisdiction of the courts of England, Wales, Scotland & Northern Ireland.

Farillio Landlord Hub enables landlords to manage their risks, be compliant, and avoid common legal concerns and claims (such as property damage and repossession).

It provides all the necessary up-to-date legal documentation that landlords need, including a large library of digital legal templates that can be tailored, branded, shared and e-signed, along with self-help guides and workflow tools covering; onboarding and managing tenants, rent increases, rent and debt management, disputes with neighbours, health and safety and many other topics.

  • Repossession of your property – cover for legal costs for legal process of eviction of a tenant who has breached the terms of the Tenancy Agreement.
  • Also covers eviction of anyone residing in your property that has not got your permission to be there (e.g. squatters).
  • Legal costs to recover any rent that may be owed to you.

Defence of your legal rights if an incident from letting your property results in you being prosecuted in a criminal court.

Where you have no alternative accommodation available, hotel accommodation up to £50 per day whilst we are trying to gain possession of your property.

• Covers any outstanding rent, one month or more in arrears, when cover is being provided under the Pursuit section of the policy to regain possession of the let property.
• Maximum rent option of up to £2,500 covering 12 monthly payments.
Note: The rent cover will cease once the tenant has vacated the property or you have reached the end of the selected rent guarantee cover period whichever occurs first.
• This option is particularly beneficial if you have a mortgage on the rented property and the tenant is not paying you the agreed rent and you are left to cover your mortgage payments in full.

Landlords Legal Expenses & Rent Guarantee Key Policy Conditions

  • For a legal process of eviction claim you must first serve the tenant the correct notices informing them that you want possession of your property – if you have any doubts contact the Claims Helpline to discuss.
  • You must keep up to date records including a detailed inventory of the contents and condition of the property signed by the tenant
  • The Insurer does not accept any liability for any legal costs and expenses incurred without their prior consent
  • There are specific instructions for dealing with a claim in particular when a solicitor is appointed. These are fully detailed in the main policy terms
  • You must contact the Claims Helpline immediately of any events that could give rise to a claim as failure to do so could result in the claim being declined
  • You must conduct regular inspections of the property – at least every 6 months
  • The 24×7 Free Legal Advice Helpline will provide general advice only and cannot assist with complex legal matters which may require the review of documentation or specific legislation. 
  • Using the helpline, does not constitute notification of a claim which must not be delayed whilst using the free legal advice helpline. You must not rely on the free legal advice helpline instead of reporting a claim.

Landlords Legal Expenses & Rent Guarantee General Exclusions

  • Any property which is or should have been registered as a House Of Multiple Occupation (HMO)
  • Any dispute between you and a Managing Agent
  • Any incident that occurs within the first 90 days of the start date of the policy or outside the period of insurance.
  • Any contractual agreement other than a formal tenancy agreement
  • Any legal costs relating to rent tribunals, reviews or land tribunals or service charges.

Full details of policy exclusions are detailed under the WHAT IS NOT COVERED section of the main policy terms and conditions.

Landlords Legal & Rent Guarantee Competency Test


In brief the policy provides cover in the event that your tenant is in breach of your tenancy agreement. This includes legal costs for the legal process of eviction, recovery of lost rent or damages sustained to your property.

There is no legal requirement for the product but it will offer you valuable protection against potentially lengthy legal disputes should your tenant breach the terms of your tenancy agreement.

The standard Landlords Legal policy covers for legal pursuit of lost rent, however this is not guaranteed to be recovered as not all rent recovery pursuit claims will have reasonable prospects of success.

However, with the Landlords Legal and Rent Guarantee policy you can claim back unpaid monthly rent until the legal process of eviction is complete for a maximum of 12 monthly rent payments of up to £2,500.

Yes, as long as they use a licensed credit referencing company for all tenant references e.g. Equifax, Experian.

Nb, it is the landlords responsibility to ensure the credit referencing, employers and previous landlords references are good and meet the policy requirements.