Full Policy Documents for all policies

Household Insurances are organised by RGA Underwriting Ltd in association with RSA Insurance or Equity Red Star. Tenants' Contents Insurance is in association with RSA.

Commercial Property Insurance is organised by RGA Underwriting Ltd in association with Sterling Insurance.

Three fast and very low cost ways to reference your tenants now...

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Letting Agents usually charge huge admin fees for referencing - buy DIRECT from our APPROVED Referencing Agency and make big savings!
Special 20% Discount Rate for referencing for clients of Landlords and Letting - see below

If you are intending to take out Rent Guarantee Insurance, it is a requirement that you correctly reference your tenants.

Here you can start referencing your tenants. You have to carry out a separate reference for each tenant applicant – a tenant is anyone named on the Tenancy Agreement. There are THREE levels: Credit Check Plus, Full Profile and Company Referencing.

Tenants in Full Time Employment who meet the 4 Point Check just need CREDIT CHECK PLUS. All other tenants require a FULL PROFILE.

1. Credit Check Plus

Cost: Only £9.95 including VAT (less your discount)
Usual Response Time: Less than 5 minutes

You may use any licensed credit reference agency, such as Experion, Equifax etc etc for this level of referencing only.

If your tenants are in full time work, this credit reference is the minimum referencing level required to obtain rent guarantee insurance.

This Instant Credit Check confirms an applicant has given you the correct name and address and there is no negative credit history and is very advisable to help ensure a problem free tenancy.

Each Credit Check includes:
• County Court Judgment Search
• Bankruptcy and Insolvency Data
• Address Verification/Residency Confirmation

Double Click for more info, including details of the essential 4 POINT CHECK.

This takes you to FLS, our approved referencing agency.
You can register for FREE and once registered you will receive a welcome email along with your account number and you will be able then to start the referencing process for your tenants.

• 20% DISCOUNT on the above price for clients of Landlords and Letting

After registering, when you start the application enter the following promotional code: landlett1

2. Full Profile

Cost: Only £29.50 including VAT (less your discount)
Usual Response Time: 2 - 4 days

For this level of referencing you must use one of our approved referencing agencies – request details and we'll send you a link.

A comprehensive reference for all other kinds of tenants; including self-employed, DSS and students and asylum seekers. This is the minimum required to obtain rent guarantee insurance for these tenants.

All* of these will usually need a GUARANTOR. Tick the box on the downloaded form.

Each Full Profile includes:
• Employment Status & Income confirmation
• Address verification/Residency confirmation
• County Court Judgements/Bankruptcy Data
• Bank Account Confirmation
• Existing Credit Agreements / Previous and open credit accounts are checked for payment history/defaults.
• TDFT Data
• Previous Landlord/Letting Agent Reference
• Affordability calculation

Double Click for more info

This takes you to FLS, our approved referencing agency.
You can register for FREE and once registered you will receive a welcome email along with your account number and you will be able then to start the referencing process for your tenants.

• 20% DISCOUNT on the above price for clients of Landlords and Letting

After registering, when you start the application enter the following promotional code: landlett1

*Certain self-employed people with suitable financial history do not require a guarantor.

3. Company Referencing

Cost: Only £14.95 including VAT (less your discount)
Usual Response Time: 2 days

For this level of referencing you must use one of our approved referencing agencies – request details and we'll send you a link.

This referencing is required for Rent Guarantee Insurance whenever your tenant is a Company. Use this option only if the Company is named as the tenant on the Assured Shorthold Tenancy Agreement.
Letting to a company is NOT guaranteed income. In the current economic climate it is more important than ever to ensure that the company you let to is a good risk.

To compile a company report we will look at:
• Credit Profile Information
• County Court Judgment Data
• Details of liquidation, receivership etc.
• Credit rating/Creditor Days
• Mortgages & Debenture Information
• Financial Analysis Information
• Profit & Loss account extracts
• Balance Sheet extracts
• Overdraft/Loans data
• Company Assets
• Company Profile Information
• Date of Incorporation
• Registered Office/Trading Address
• Previous Names
• SIC Codes/Business activities
• Directors' Information

Double Click for more info

This takes you to FLS, our approved referencing agency.
You can register for FREE and once registered you will receive a welcome email along with your account number and you will be able then to start the referencing process for your tenants.

• 20% DISCOUNT on the above price for clients of Landlords and Letting

After registering, when you start the application enter the following promotional code: landlett1