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How does our Landlord Legal Insurance Solutions help?

All landlords hope to have a straightforward, trouble-free relationship with their tenants. Sadly, this isn’t always the case and if things go wrong, such as a tenant refusing to pay rent or damaging the property, it can be time-consuming and expensive to sort out, this is where our Landlords’ Legal Cover comes in.

We also offer a rent indemnity option so your customers need not end up out of pocket if repossession is being sought and the tenant defaults on rent due.

Legal costs and expenses are covered up to £50,000 per claim and our Landlords’ Legal Cover also includes 24/7 personal legal advice, a tax advice helpline and access to our legal services website for free digital legal notices and tenancy agreements and our online law guide.

Cartoon landlord thinking about making money from a high rise building

We protect your clients’ rights in disputes about:

  • Repossession

  • Property damage, nuisance and trespass

  • Recovery of rent arrears

And we can help with:

  • Alternative accommodation and storage costs while trying to gain repossession of the property

  • Defence of property related prosecutions

Male landlord discussing paperwork with mother and two young daughters at home

How does our Landlord Legal Insurance work?

Recovery of rent arrears

Our insured contacted us after their tenant failed to pay rent for three months and then vacated the property. Despite our insured chasing their tenant for payment they were unable to get any response. We approved the claim and passed the matter to a panel solicitor. They were able to negotiate a payment plan with the tenant who was having cashflow issues. The insured received repayment plus interest over the following six months. ARAG settled the solicitor’s cost.


Our insured contacted us for legal advice after their tenant fell into arrears and continued to ignore reminders for payment. We directed our insured to our Landlords’ legal services website to download the necessary legal notice requiring the tenant to quit the property. Unfortunately the tenant ignored the legal notice and the matter escalated. We instructed solicitors to obtain a court order for repossession and paid solicitor’s costs and the court fee.

Rent indemnity

As the insured had complied with the policy terms, we agreed to pay the rent arrears that had been incurred while repossession was being sought together with 75% of the rent for a further two months following repossession.


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