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Tenant Default Insurance

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Tenant Default Insurance

Provide yourself with peace of mind and sustain your rental income no matter what with tenant default insurance.

Fill out our short form or call us on 03333 440 129

What is tenant default insurance?

Tenant default insurance is a type of cover which can be added to any landlord insurance policy. It covers the landlord in the event that the tenant cannot pay their rent and provides stability and reliability for your rental income. With over 65,000 tenants in the UK currently owing two months’ rent or more (LSL Property Services), it’s important to cover yourself and ensure that you don’t lose out because even the most reliable tenants can fail to pay rent if they fall victim to unexpected circumstances.

How does tenant default insurance work?

If your tenant fails to pay rent for two months or more, then you will be able to make a claim on your tenant default insurance to recover the rental income you have lost as a result. You will be covered for up to eight months’ worth of missed rental payments, and can be covered for amounts up to £2,500 per month. The excess you will be liable to pay when making a claim is the cost of one month’s rent, but this is usually covered by the tenants’ deposit.

Requirements of tenant default insurance

Unlike other types of insurance, there is one vital action you will need to take to qualify for tenant default insurance. You must carry out the appropriate background and credit checks on your tenants to secure tenant default cover. As long as these checks come back positive, you will be allowed to include tenant default insurance in your landlord policy.


I’m too busy to spend a lot of time researching all of the insurance policies we need, let alone finding time to search for the best cover. When I spoke with Gareth, he was incredibly helpful. He explained to me exactly what I need and then found the best policies for the business, its directors and employees. Now I know that the business and its assets are protected, whatever happens. I would highly recommend Gareth, Darren and the rest of his team.

Tom Mitchener “”