Your property is insured.Is your rental income?
You insure the bricks and mortar.
You pay to keep the property safe and compliant.
But if the rent stops, your mortgage and property costs don't.
Protect the income that keeps your investment working.
Rent & Legal Protection costs 2.1% of your annual rent, plus Insurance Premium Tax, with a minimum of £150 a year. Available on rents up to £3,000 a month. Cover subject to policy terms, conditions and eligibility.
A landlord's reality
You already protect your property
Gas safety
You pay to keep the property safe and compliant.
EICR
You pay to make sure the electrics are safe.
Buildings insurance
You insure the bricks and mortar.
Maintenance
You spend money maintaining your investment.
But what protects this?
£18,000
Annual rental income
Based on £1,500 monthly rent.
*TLA Rent & Legal Protection is priced at 2.1% of your annual rent plus Insurance Premium Tax, with a minimum of £150 a year. That runs from about 41p a day at the minimum to about £2.32 a day at our highest eligible rent of £3,000 a month, where the annual price is £846.72. Coffee prices vary. Cover subject to policy terms, conditions, limits, exclusions and eligibility.
Your tenant has always paid on time.
So did almost every landlord before they had a problem.
Most tenants pay their rent and look after their homes. But life changes.
Jobs are lost. Relationships break down. Businesses fail. Illness happens.
A reference tells you about your tenant today. It cannot guarantee what happens tomorrow.
Rent Protection isn't about expecting your tenant to fail. It's about protecting your investment if circumstances change.
Preparation Today. Protection Tomorrow.
Insured versus uninsured
What if the rent actually stops?
Mediation, notice, court, legal costs, possession, bailiffs and lost rent can all add up. Property damage, cleaning and re-letting may add more.
£2,000 monthly rent
One problem. Two very different outcomes.
| Cost breakdown (typical case example) | Without insurance | With insurance* |
|---|---|---|
| Mediation | £250 | £0 |
| Notice served | £250 | £0 |
| Court issue fee | £415 | £0 |
| Advocate / hearing fee | £180 | £0 |
| Legal possession costs | £800 | £0 |
| Bailiff & locksmith | £500 | £0 |
| Total legal costs | £2,395 | £0 |
| 3 months before notice can be served | £6,000 | £0 |
| Court delays — example 6 months | £12,000 | £0 |
| Bailiff delays — up to 6 months | £12,000 | £0 |
| Rent Arrears Cover — example £2,000 monthly rent paid by insurer | £0 | £12,000+* |
Mediation
Without insurance
£250
With insurance*
£0
Notice served
Without insurance
£250
With insurance*
£0
Court issue fee
Without insurance
£415
With insurance*
£0
Advocate / hearing fee
Without insurance
£180
With insurance*
£0
Legal possession costs
Without insurance
£800
With insurance*
£0
Bailiff & locksmith
Without insurance
£500
With insurance*
£0
Total legal costs
Without insurance
£2,395
With insurance*
£0
3 months before notice can be served
Without insurance
£6,000
With insurance*
£0
Court delays — example 6 months
Without insurance
£12,000
With insurance*
£0
Bailiff delays — up to 6 months
Without insurance
£12,000
With insurance*
£0
Rent Arrears Cover — example £2,000 monthly rent paid by insurer
Without insurance
£0
With insurance*
£12,000+*
Potential impact
Typical case
Without insurance
£32,395+
With insurance*
£0 out of pocket*
Rent protection pays monthly, subject to policy
*Illustrative example only. Rent Arrears Cover and legal costs are subject to policy terms, conditions, limits, exclusions and a valid claim. Actual possession times and costs will vary.
Court fees and possession timescales: Sources: HM Courts & Tribunals Service, Civil court fees (EX50), 13 July 2026; Ministry of Justice, Mortgage and landlord possession statistics: January to March 2026 (Accredited Official Statistics), 21 May 2026.
Court delay & risk
Where your property is can change your financial risk
Possession doesn't happen overnight. Court delays vary across the country, and a long possession journey can turn a missed rent payment into thousands of pounds of lost income.
How long could possession take where your property is?
3 months
£4,500
6 months
£9,000
9 months
£13,500
12 months
£18,000
Illustrative lost rent at £1,500 per month. Legal, possession and property costs may be additional.
Before the keys change hands
Would you hand over the keys if the story didn't add up?
Modern rental fraud isn't always obvious. A referencing PASS is valuable, but it shouldn't replace common sense.
Before handing over the keys, ask one more question:
Does the story add up?
Illustrative scenario — not real people, not a real case
Five properties. Five landlords. Five applications.
Who sees the whole picture?
Each landlord may see one perfectly plausible application.
Each referencing provider may see one applicant.
Each agent may see one tenancy.
But organised fraud can exploit the gaps between them.
Open the complete story →
Renter affordability
Could your tenant afford their rent tomorrow?
A tenant earning enough today isn't guaranteed to be able to afford the rent next year. Household finances can change very quickly.
IPPR reported that 2.4 million UK private-renting households faced unaffordable rents in 2026/27, defined as spending at least 30% of post-tax, post-benefit income on rent.
This isn't about blaming tenants. It's about recognising that landlords and tenants can both be affected when household finances change.
A reference assesses today. Protection prepares for tomorrow.
Source: Institute for Public Policy Research, High housing costs in the private rental sector: The case for action, 11 May 2026. The client's original “gross income” wording has been corrected to match the source methodology.
Rent & Legal Protection
Preparation Today. Protection Tomorrow.
Most tenants pay their rent and most tenancies work perfectly well. TLA is here because circumstances change — and rental income matters when they do.
2.1% of your annual rent*
Plus Insurance Premium Tax, minimum £150 a year. Available on rents up to £3,000 a month.
*The premium is 2.1% of your annual rent, with Insurance Premium Tax added on top, subject to a minimum of £150 a year. At our highest eligible rent of £3,000 a month that comes to £846.72 a year. There is no administration fee. Cover subject to policy terms, conditions, limits, exclusions and eligibility.
Rent & Legal Protection
Protection when an insured tenant stops paying, subject to the policy.
Legal costs
Help with the legal process where the claim is covered.
Rent protection
Insured rent while the possession process progresses, subject to policy terms and limits.
Landlord guidance
Helping you understand what to do before and when problems arise.
Landlord finance
Buying another property? Refinancing?
Looking at a Buy-to-Let mortgage or considering bridging finance?
Referral route remains subject to Mortgage Taylors' approved regulatory and referral wording.
Existing dispute
Already have a problem but don't have insurance?
Rent Protection needs to be arranged before the problem occurs. If you're already dealing with an issue, we may still be able to point you towards legal assistance.
Existing dispute = legal help. Future risk = insurance. Legal referral subject to provider approval.
Recent insights
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Two kinds of landlord cover protect against two very different losses. One pays your legal costs. The other replaces the rent while you wait. Here is how they compare.
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