Legal Expenses for Landlord's covers the company, firm, partnership, management agent, association or individual which owns or is responsible for the property noted on the policy certificate which is let solely for domestic residential purposes.
The policy provides legal expenses protection for the events listed below. The insurer will cover your client's legal costs in relation to:
- Property legal disputes
- Property legal disputes
- Repair and renovation disputes
- Health and safety prosecution
- HM Revenue and Customs investigations in relation to their tax affairs
- Rent recovery
This policy also provides:
- Cover for attendance expenses up to £100 per person per day, up to a maximum of £1000.00 for any one claim.
This policy also provides:
- Cover for attendance expenses up to £100 per person per day, up to a maximum of £1000.00 for any one claim.
- Tenant Eviction cover, for legal costs incurred in evicting a tenant from the property, including any costs incurred in defending the client against a counter claim from the tenant claiming that they haven't met their obligations as per the tenancy agreement.
Some examples of what isn't covered include:
- Any dispute (excluding HMRC investigations as outlined below) arising within the first 60 days of the period of insurance if the tenancy agreement commenced before the inception date of the policy, unless it can be evidenced that they previously held comparable cover with another insurer immediately prior to inception of this policy.
- Any dispute (excluding HMRC investigations as outlined below) arising within the first 60 days of the period of insurance if the tenancy agreement commenced before the inception date of the policy, unless it can be evidenced that they previously held comparable cover with another insurer immediately prior to inception of this policy.
- Any claim not notified to us within 45 days of the date of the event and within the period of insurance.
- Claims for legal costs in relation to contracts of employment.
- Claims for legal costs relating to any HMRC Investigations arising within the first 30 days of the first period of insurance unless it can be evidenced that they had previously held comparable legal expenses cover with another insurer immediately prior to the inception date of this policy.
- The payment or non-payment of service charges as defined within the Landlord and Tenant Act 1985.
- Any claim where the client has not obtained a satisfactory tenant reference in respect of each tenant or guarantor.
There must be a 51% or greater chance that your client will recover losses or damages (or obtain any other legal remedy that we've agreed to, including an enforcement of judgement), make successful defence or make a successful appeal or defence of any appeal in their pursuit of civil proceedings.
Further information regarding Landlord Legal Expenses is available in your client's policy booklet. The policy booklet is available to view and download from our website, Landlord Insurance Policy Booklets.
If you'd like to discuss or get a quote to add Legal Expenses onto your client's Landlord Insurance policy, please contact our Customer Services team on 0345 6011 050.
If you'd like to discuss or get a quote to add Legal Expenses onto your client's Landlord Insurance policy, please contact our Customer Services team on 0345 6011 050.