Rent Protection Insurance Quote

Please answer yes if this policy is either:

• To begin prior to or on the start date of a new tenancy agreement, or
• Is directly replacing a comparable policy meaning there is no break in cover between the cancellation date of the existing policy and start date of this policy.

You have an insurable interest in the property?

The property must only be used for residential purposes, and this should be reflected in the tenancy agreement.

All tenants noted on the tenancy agreement must be aged 18 or over

An agreement between the landlord and the tenant in relation to the property which is:

1. an assured periodic tenancy in accordance with Part 1 of the Renters’ Rights Act 2025, as amended from Section 5 of the Housing Act 1988 (as amended) or
2. the Housing (Scotland) Act 1988 or a private residential tenancy (as defined in the Private Housing (Tenancies) (Scotland) Act 2016); or
3. the Private Tenancies (Northern Ireland) Order 2006; or
4. a standard occupation contract under the Renting Homes (Wales) Act 2016 or
5. a Company Residential Tenancy (Company Let) created after 28th February 1997 where the tenant is a public limited company (plc) or limited company (Ltd) and the property is let purely for residential purposes of the tenant’s employees and their family.All tenants noted on the tenancy agreement must be aged 18 or over

The following checks must be carried out before the commencement of the tenancy agreement or the policy, whichever is later;

A credit check against the tenant and any guarantor, obtained from a licensed credit referencing company showing:

• no County Court Judgments in the past three years and
• no outstanding County Court Judgments, together with copies of two forms of identification, one of which must contain a photograph, and
• an employers’ written confirmation of their permanent and current employment, and
• that their gross monthly salary is at least a multiple of 2.5 of the rent and
• they have a permanent ‘right to rent’ in England or the ‘right to reside’ in the territorial limits.

If all of the above are not available or in the case of student tenants or tenants receiving any income or housing related government benefit, a full tenant reference showing a ‘pass’ on the tenant or guarantor must be obtained from one of the approved tenant referencing providers listed on the Arc Legal website

https://claims.arclegal.co.uk/info/approved-tenant-referencing-providers

The first month’s rent must have been received in cash or cleared funds.