Insurance

We offer a range of insurance services through our partner Rentguard Insurance. Rentguard can help you organise your Rent Guarantee insurance, Landlord's insurance or Tenants contents insurance.

Rentguard Insurance Services

Rentguard Insurance aim to offer insurance products which meet the demands and needs of policyholders. Their Legal Expenses & Rent Guarantee is per tenancy agreement.

Please follow the links provided to find out more about any insurance you may need.

LetRef Ltd is an introducer appointed representative of Arthur J. Gallagher Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building 7th Floor 55 Blysthwood Street, Glasgow G2 7AT. Registered in Scotland. Company Number: SC108909.

Insurance
types

  • Rentguard's Rent Guarantee Insurance

    At LetRef we understand that even the best intentioned tenants sometimes fall on hard times meaning they may be unable to keep up with their rental payments.

    It is more often than not a change in circumstances, such as redundancy or long term illness, which causes a tenant to default on their rent rather than an unwillingness to pay.

    While it is only natural to be compassionate to their plight, the landlord still has a mortgage to pay and that's where a Legal Expenses & Rent Guarantee insurance policy can help.

    Key Benefits of Rentguard Legal Expenses & Rent Guarantee Products

    The policies are valid for up to 5 tenants on one tenancy agreement

    If the current tenant moves out, the policy will still be valid for the new tenants as long as no claim has been made under the policy and the new tenants have been properly referenced according to their status before they move into the property.

    On renewal of a Legal Expenses & Rent Guarantee policy, as long as there has not been a break in the tenancy, the tenants circumstances have not changed and there have not been any payment issues, there is no need for the tenants to be re-referenced.

    Rentguard Insurance can cover properties where the tenants have already moved into the property as long as they are subsequently referenced and pass the process. However, a claim cannot be put forward for the first 90 days if the tenants moved into the property before the policy start date.

    Each Legal Expenses & Rent Guarantee policy put on cover has to be supported by Tenant Referencing through LetRef Ltd. Each person named on the tenancy agreement should meet the Tenant Referencing Requirements of LetRef Ltd.

    Rent Guarantee protection is easy to arrange, simply click below for instant cover.

  • Rentguard's Landlords Insurance

    Our insurance partner Rentguard can offer Residential Landlord insurance from their carefully selected panel of insurers.

    Rentguard aim to provide landlords with cover that meets their needs and can provide insurance for properties of all types and sizes, including HMOs, bedsits and purpose-built flats.

    If you would like a quote from Rentguard for your Landlord Insurance please click on the button below.

  • Rentguard's Tenants Contents Insurance

    This policy is available for all residential tenants (including students) living in flats, bed-sits, shared accommodation for properties of all sizes throughout the UK. Covers loss or damage as a result of all standard perils including:

    • Fire, smoke, explosion, lightning, earthquake Storm or flood
    • Theft or attempted theft consequent upon violent and forcible entry
    • Escape of water
    • Malicious damage consequent upon violent and forcible entry
    • Riots or civil commotion
    • Collision, falling trees or branches
    • Lamp-posts, TV aerials or masts.

    Additional benefits include:

    • Accidental damage to home entertainment equipment
    • Accidental damage to mirrors and glass
    • Accidental loss of oil and metered water
    • Temporary removal of contents
    • Alternative accommodation
    • Tenants liability to the public up to £2,000,000.
    • Accidental damage to landlords contents

    The policy includes accidental damage cover against Landlords contents for which the tenant has been legally made responsible.

    Personal Possessions

    Rentguard Insurance offer additional cover for personal possessions provided that they belong to you or your family and that they are mainly used for private purposes. These include personal effects, valuables and money.

    Please note that the above information provides a summary only. For full policy terms and conditions please see the policy wording document. Terms & Conditions should be fully read and understood prior to taking out the policy.

    Click on the link below to get a tenants contents insurance quote from Rentguard.

  • Rentguard's Owner Occupier Insurance

    Could you afford to rebuild your home if the worst happens? Your home is a big part of your life, therefore it’s essential to make sure that you have the right home insurance policy to cover your home and its contents, our insurance partner Renguard could help you out.

    Rentguard can offer Owner Occupier insurance from their carefully selected panel of insurers.

    Policy benefits
    • Home contents insurance with the option of personal possessions cover • Instant online home insurance quote
    • Buildings cover available, with or without contents
    • Extra discount if you take out buildings and contents insurance combined cover
    • Flexible cover to match your needs
    • Monthly payment option
    • Garden cover available via our home insurance policy
    • Legal liability to the public of £2,000,000 as standard
    • Optional accidental damage cover
    • Alternative accommodation

    If you would like to receive a quote from Rentguard please click on the link below.

    Please note that the above information provides a summary only. For full policy terms and conditions please see the policy wording document. Terms & Conditions should be fully read and understood prior to taking out the policy.

  • Rentguard's Commercial Property Insurance

    At LetRef we understand that even the best intentioned tenants sometimes fall on hard times meaning they may be unable to keep up with their rental payments.

    Rentguard’s commercial property insurance policy is specifically designed for the commercial landlord, whether as an individual requirement or as a mixed portfolio of commercial and residential combined and covers a comprehensive range of commercial uses:

    • Offices, including taxi offices, travel agents, and estate agentsHairdressers and beauticians
    • Restaurants, including cafés and high risk eateries, such as fast food takeaways
    • Dental surgeries
    • Car accessory stores
    • Furniture stores
    • Garden centres
    • Commercial & residential combined.
    • Unoccupied commercial property

    Rentguard can also provide unoccupied commercial property insurance

    If you are looking for an insurance quote for commercial property, click on the link below to receive a quote from our insurance partner Rentguard.

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