• Rent Guarantee Insurance (RGI) is an insurance policy that protects landlords from the risk of tenants not paying rent. It is also often called Legal Expenses & Rent Guarantee Insurance (LERG).
  • RGI policies cover landlords against loss of rent in the event of tenants falling into arrears. For example, if your tenant is unable to pay rent on time because of hardship (e.g. if he/she has lost their job), you can make a claim for the loss of rent.
  • RGI has become extremely popular among landlords, especially for those that need to receive rent on time in order to meet their mortgage payments.
  • Most landlords can purchase an RGI policy, however, most policy providers will require that there is a written tenancy agreement in place, and that the tenant has passed tenant referencing.
  • Before purchasing RGI, you should check your BTL Building Insurance policy to see if it already covers loss of rental income, because some of them do. If your policy does, check the details of the terms & conditions. Because, for example, some will only payout if the property is made uninhabitable due to one of the insured perils (e.g. flood, fire), and not necessarily because of hardship.

RECOMMENDED LANDLORD RGI SUPPLIER

Legal For Landlords is the UK's leading provider of legal services for landlords, offering competitive, robust rent protection insurance policies.

Features and Benefits

  • Covers 100% of the rent until vacant possession**
  • 75% Vacant possession for up to 3 months
  • Covers up to £5,000 rental payments per month++
  • Up to £100k Aggregate for legal expenses and rent arrears in any one claim
  • Repossession
  • Recovery of Arrears
  • Nuisance & Trespass
  • Defence of Criminal Prosecutions
  • Alternative Accommodation & storage cost
  • Fixed competitive rates inc IPT at 12% (not charged as a % of rent)
  • New or Existing tenancies without any no-claims penalty period
  • NIL EXCESS

** Indefinite rental payments until vacant possession, except where the tenant provides a valid defence to the eviction in which case payments are capped at 12 months

We recommend Legal for Landlords because they’re the UK’s most popular legal service provider for Landlords and their Rent Guarantee Insurance policies was the most recommended when we looked at independent surveys.

They have a great reputation in the industry, and are very highly rated on TrustPilot (currently 4.9/5), with over 5000 reviews.

While Landlord Market's recommendations are completely independent, we may receive payment or benefit from recommending certain products or services, which helps LandlordMarket.co.uk provide a free service, but our recommendations are not influenced by those incentives.

We do our best to ensure that the information on this site is up to date and accurate but you should always confirm any information with the product or service provider and read the information they can provide. If you are unsure you should seek independent and qualified advice before you apply for any product or commit to any service or product.

Rent Protection Insurance

From £239 Per year, Inc IPT

Get Started

Setup Free RGI Policy Renewal Reminders

Quickly set up your email reminders so you're automatically notified when you need to renew your RGI Policy before it expires. You can also set reminders for expiring Gas Safety Inspections, EPC's, Mortgage expiration dates, and End of Tenancy terms. We'll also send you a list of the best deals we can find so you can quickly arrange your renewals, potentially saving you £100's.

Be reminded in time with awesome deals.

1

Create Free Account

Complete are quick and easy registration form. We only ask 3 questions.

2

Add your Properties

Add your property(ies) so you can organise your reminders by each of your BTL properties.

3

Set Reminders

Set which Products & Services you want to be notified of before they expire. All you need to do is tell us when they expire and how much notice you require.

4

Be Reminded

Leave the rest to us; we'll send you an email reminder on the day you choose. We'll also scour the market to offer you the best deals we can find.

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