How our cover can
help
Landlords’ Legal Solutions protects private landlords of
residential property against legal costs. A number of
Repossession
The policy covers mandatory grounds for repossession where
property has been let as an assured shorthold tenancy, short assured tenancy or
assured tenancy under the 1988 Housing Acts in England, Wales and Scotland.
Cover is also available to repossess if your property has
been let to a business for an employee to live in, where you are a resident
landlord and have licensed a room to a lodger, and for landlords in Northern
Ireland.
Most repossession claims occur because the tenant has fallen
behind with their rent. To obtain repossession it is essential that you have
fully complied with the rules about protecting tenant deposits and you are
required to correctly serve notice to the tenant to quit the property. Failure
to do either of these things will interfere with your legal right to repossess.
Eviction
Different notices apply to terminate a fixed term tenancy (Section
21 in England and Wales or Section 33 in Scotland) while a Section 8 notice
will need to be issued where the tenant has defaulted and two calendar months’
rent arrears have accrued. On service of a Section 8 notice the tenant has 14
days to pay up or leave. We can appoint a lawyer to issue eviction proceedings
against your tenant if the notice to quit fails to have the desired effect
provided that you chased your tenant for rent as soon as it became overdue. You must also tell us that you wish to claim
within 60 days of rent becoming overdue.
Optional cover
To
provide additional security and peace of mind, our Landlords’ Legal Solutions
has optional cover to provide rent guarantee cover. This additional protection comes into force upon acceptance of a claim for possession and/or arrears and will pay the landlord from the second month of rent falling into arrears
for five months under our six month policy or eleven months under our twelve
month policy.
Website information
guide
Our on-line law guide provides all the information you need
to know about protecting your deposit and about serving notice to quit. You can
also down load letters for references, tenancy agreements, Section 8 and 21
notices and various other free documents such as a letter demanding unpaid rent.
The legal services website is at www.araglegal.co.uk
watch the two minute video tour from the home page to learn more about the site
before entering your voucher code to register.
Helplines
If you prefer to speak to someone about a legal matter
affecting your property our legal advisers are available 24/7 to provide free
advice over the phone.
Lesley Attu
Product Development Manager
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