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Q: Do my tenants need to be referenced and who can I use?
A: Yes, tenants need to be thoroughly referenced through Rentshield Direct. You can do this online by going to the Landlord section on this site.
Q: My tenants have adverse history; does this affect the referencing and me taking out this policy?
A: If a tenant has a CCJ or adverse history and are honest with us we tend to look more favorably towards the application. As long as the adverse history is not severe we may suggest a suitable guarantor is supplied.
Q: What is ‘Rent Protection’?
A: Rent protection will ensure you receive your rent for a period of 6 or 12 months, depending on the length of policy, for as long as your tenant remains in your property subject to any excess you have chosen*
Q: What is ‘Legal Expenses Cover’?
A: All reasonable and necessary costs charged by an appointed lawyer on a standard basis, up to the maximum level of indemnity.
Q: Does the policy cover me for malicious damage?
A: Yes although the extent of the damage must be more than £1,000.
Q: My tenant is a professional why would they not pay the rent?
A: There are many reasons why a tenant can’t or won’t pay their rent. During the tenancy agreement the tenant may be made redundant, suffer an accident, sickness or even death, lose their job or go through a relationship break up.
Q: Can’t I just remove my tenant(s) if they get into rent arrears?
A: No, you have a contract with your tenant and by law you must keep to that contract. You must make attempts get possession under the mandatory grounds and you must give correct notices informing the tenant that you want possession of your property.
Q: If I make a claim and my policy expires before the claim is settled do I need to renew my policy?
A: No, a renewal will not be offered whilst a claim is in place. We will pay rent arrears owed by your tenant while we deal with a claim for repossession of your property. We will not pay more than 6 or 12 monthly payments depending on which policy you take out.
Q: If a tenant terminates their tenancy can the policy be carried through with a new tenant?
A: If you purchase our 12 month policy we can transfer this to new tenant, however we cannot transfer our 6 month contract.
Q: What policies do you offer?
A: We offer a 6 or 12 month policy, with or without an excess giving you flexibility.
Q: Can I purchase Legal Expenses separately?
A: Yes, please call Rentshield Direct for more information on
Q: If I increase the rental per month will it affect my policy?
A: Increasing the monthly rental by up to 10% will not affect the policy. We will not be able to renew the policy if the rent has increased by more than 10% without all parties being re-referenced.
Q: Who is the underwriter of the policy?
A: This policy is underwritten by Propgen Insurance Limited.
Q: How do I make a claim?
A: Please contact Rentshield Direct by calling 0845 070 2433 to obtain a form and then return it with all listed documents to either email address claims.fax@barbon.com or fax number 0845 052 7624. You will then receive confirmation within 5 working days. You can contact the Claims Team on 0845 155 6499.
Q: What can I do if I get squatters?
A: Let the Claims Team know straight away on 0845 155 6499.
*Please refer to the full policy wording available to download from www.rentshielddirect.com or upon request by calling
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