Landlord Legal Expenses by ALPS

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Please note that this policy includes legal expenses cover only. It does NOT include Rent Guarantee Cover

What is Insured?

• Breach of Tenancy Agreement: Pursuit following a breach by the tenant of any of their obligations under the tenancy agreement.
• Pursuit of Rent Arrears: The pursuit of rent arrears which commenced during the period of insurance.
• Eviction: The eviction of anyone in the property without your permission.
• Legal Defence: The defence of civil or criminal proceedings in respect of any act or omission by you arising from your ownership or management of the property.

What is not Insured?

• Claims where there are no prospects of success.
• Claims where we consider it is unlikely a reasonable settlement will be obtained or where the likely settlement amount is disproportionate compared with the time and expense incurred.
• Claims that arose before the commencement of this insurance.
• Professional fees incurred in connection with interest on rent or service charges payable by the tenant.
• Any rent payable after you have recovered full and vacant possession.
• Any dispute between the insured person and a letting agent.
• Claims where a tenant reference has not been obtained.

Are there any Restriction on Cover?

• The maximum amount payable per claim is £50,000.
• The maximum amount payable per period of insurance is £50,000.
• Where it may cost us more to handle a claim than the amount in dispute we may at our option pay to you the amount in dispute which will then constitute the end of the claim under this policy.

What are my obligations?

• At the start of the contract the information you provide must be true and complete to the best of your knowledge and belief and you must tell us if anything changes later.
• You must provide complete and accurate answers to any questions asked.
• You must observe and fulfil the terms, provisions, conditions and clauses of this policy – failure to do so could affect your cover.

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