This policy summary provides key information about Property Let Legal Protection which you should read. It does not contain the full terms and conditions of the policy, which you can find in the Property Let Legal Protection policy document.
Property Let Legal Protection is a legal expenses insurance contract. It will help you by providing legal advice and assistance if you let out your home and have a dispute with your tenants over rent arrears or repossession of the property, or if your property gets damaged.
This policy is underwritten by DAS Legal Expenses Insurance Company Limited, authorised and regulated by the Financial Services Authority.
Please note that where the following text refers to “We”, this means Rentshield and not Coxford Lettings
| Features and benefits |
Significant exclusions or limitations |
Policy section |
| In the areas below we will resolve an insured legal problem, either ourselves or through external lawyers and other experts we appoint. |
It must be more likely than not that you will recover damages or make a successful defence of your civil claim. |
COVER (d) |
| External costs are limited to £50,000. |
WHAT WE WILL PAY |
| Costs incurred before DAS agrees to pay them. |
WHAT YOU ARE NOT COVERED FOR 2 |
| Unless DAS agrees to start legal proceedings or there is a conflict of interest, DAS is free to choose a lawyer to help you. |
CONDITIONS 2(b) |
1 REPOSSESSION
You wish to get possession of your property from your tenants. |
Your property must be let under an assured shorthold, short assured or an assured tenancy under the 1988 Housing Act, Housing (Scotland) Act or The Private Tenancies Order 2006 (Northern Ireland). |
INSURED INCIDENTS WE WILL COVER
1 REPOSSESSION |
| Unless DAS agrees to start legal proceedings or there is a conflict of interest, DAS is free to choose a lawyer to help you. |
INSURED INCIDENTS WE WILL COVER
1 REPOSSESSION CONDITIONS (i) |
2 PROPERTY DAMAGE
Someone causes damage to your property. |
The extent of the damage must be more than £1,000. |
INSURED INCIDENTS WE WILL COVER 2 PROPERTY DAMAGE |
3 EVICTION OF SQUATTERS
Someone is living in your property without your permission and you wish to evict them. |
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INSURED INCIDENTS WE WILL COVER 3 EVICTION OF SQUATTERS |
4 RENT RECOVERY
You wish to recover rent arrears from your tenants. |
Registering rents, reviewing rents or any matter to do with rent, rate or land tribunals, rent assessment committees and rent officers. |
WHAT YOU ARE NOT COVERED FOR 4 RENT RECOVERY |
5 RENT ARREARS
We will pay the rent arrears while your tenant or ex-tenant still occupies your property. |
Before the tenancy starts you must have obtained written references from a previous managing agent or landlord or an employer or another financial source, and a credit history check (including County Court Judgements and bankruptcy). |
INSURED INCIDENTS WE WILL COVER 5 RENT ARREARS |
6 LEGAL DEFENCE
Defence of ,criminal prosecutions relating to the letting of your property and actions for unlawful discrimination. |
We do not pay court orders. |
WHAT YOU ARE NOT COVERED FOR 8 |
Hotel expenses
We will pay your hotel expenses while you try to get a possession order for your property so you can live in it. |
Cover is for up to £150 per day for a maximum of 30 days. |
MEANING OF WORDS IN THIS POLICY |
Storage costs
We will pay to store your household possessions while you are unable to reoccupy your property. |
Cover is for £10 per day for a maximum of 4 weeks. |
24-hour Telephone Helpline
- Eurolaw legal advice Advice on personal legal problems within UK and EU law.
- Tax advice Personal taxation advice.
- Domestic assistance DAS can arrange to call out a contractor to fix the problem in the event of an emergency affecting the property.
- Counselling DAS qualified counsellors provide support in dealing with worrying problems.
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The contractor's charges are your responsibility. |
HELPLINE SERVICES |
