Before cover can incept, all tenants must have been fully referenced in accordance with the tenant referencing criteria set out in the policy wording.

Cover can only be provided where satisfactory tenant referencing has been completed, and the tenancy meets the acceptance criteria outlined in the policy wording. Please refer to the full policy documentation for detailed requirements.

Yes, however the tenants must have met the proper reference criteria outlined in the policy wording. No claim will be accepted in an event where the time of occurrence was before the commencement of the policy, or on an event which occurs within the first 90 days of the period of insurance.

Sub-letting is a direct exclusion within the policy wording. Alternative arrangements such as a company renting a property for the occupation of their employees, where the tenancy agreement is between the landlord and the company, would be acceptable. 

However, any element of sub-letting would be excluded as mentioned.

The Legal Expenses section provides cover for a range of landlord-related legal costs arising from insured events, including tenancy disputes and eviction proceedings, subject to the policy wording, terms, and conditions.

Full details of the cover, limits, exclusions, and insured events are contained within the policy wording, which should be reviewed carefully to understand the scope of protection provided.

Credit checks must be undertaken as part of the tenant reference, which in turn must be undertaken prior to the tenancy agreement commencing. Should the rental amount be increased during the tenancy, then an affordability check must be undertaken on the tenant. The policy only stipulates that a valid tenant reference, which satisfies the criteria within the wording, must be obtained prior to granting the tenancy. Should the Landlord be aware of a material change in the tenant’s circumstances, then a new reference should be obtained to evidence whether it is acceptable to still grant the tenancy, or indeed if a guarantor is required.

You would need to report this claim to Alps within 30 days by calling on 01260 241000 or you can email claim@alpslegal.co.uk. We recommend telling us as soon as possible of any claim, potential claim or any circumstances which might lead to you making a claim.

Nil Excess – no excess applicable, rent guarantee payments to be considered when one full month is in arrears.

Yes, as long as the client makes the broker aware of this.

Yes, the premiums shown are inclusive of Insurance Premium Tax and a £25 admin fee charged by Haxon Limited

No, your request will be sent to Haxon Limited and no cover will be in place until confirmed in writing by Haxon Limited.

No, it will not renew automatically. Haxon Limited will contact you regarding the renewal next year.