Preparation Today. Protection Tomorrow.
Protection when an insured tenant stops paying, subject to the policy.
Help with the legal process where the claim is covered.
Insured rent while the possession process progresses, subject to policy terms and limits.
Helping you understand what to do before and when problems arise.
The landlord journey
Two paths. Same delays. Very different outcomes.
Follow the complete journey from referencing and compliance through to possession, recovery and re-letting — and see how protection changes who carries the cost.
Illustrative example only
Costs, timescales and outcomes shown are typical examples based on claims experience and may vary depending on your circumstances and local court delays.
Preparation Today. Protection Tomorrow.
Journey with insurance
Compliant claim
Submitted within 90 days of the date of loss.
Subject to policy terms, conditions and compliance.
Find the right tenant with comprehensive referencing.
Ensure all legal requirements are met and recorded.
Tenancy begins with the right documentation in place.
Choose the right cover for your needs before a tenancy goes wrong.
Track rent payments and receive alerts if rent is late.
We remind the tenant and guide you on what to do next.
We start mediation to resolve the issue and recover rent.
Included in policy*
We serve the correct legal notice.
Included in policy*
We issue the claim in court.
Included in policy*
Advocate and hearing representation.
Included in policy*
The court grants possession.
Included in policy*
Bailiffs are instructed to recover possession.
Included in policy*
We help recover arrears where possible and support re-letting.
Included in policy*
With TLA & Insurance
Compliant claim submitted within 90 days
Insurer pays the rent — no loss of income
All covered legal costs paid
Bailiff and locksmith fees covered
Possible excess only if late notification applies
Expert claims support at every stage
You are protected. The insurer carries the cost.
Journey without insurance
You carry the risk
No insurance means you pay for everything and manage every stage.
The same legal process and delays still apply.
Find the right tenant with comprehensive referencing.
Ensure all legal requirements are met and recorded.
Tenancy begins with the right documentation in place.
You decide not to take out a policy.
Track rent payments and chase arrears yourself.
You chase the tenant and hope the situation improves.
You attempt mediation yourself or via a provider.
You pay £250+You pay to serve the legal notice.
You pay £250+You issue the claim in court.
You pay £404+You pay for representation.
You pay £180+The court grants possession.
You pay £600+You pay bailiffs and a locksmith to recover possession.
You pay £500+You try to recover arrears and re-let the property.
You pay £600+Without insurance
You pay all legal fees and costs
You lose rent while waiting
No rent payments for many months
No guarantee of recovering arrears
Notice may be delayed for 3 months or more
Court delays average 6 months
Bailiffs can take up to 6 months
You carry all the risk, and all of the cost.
Illustrative example
| Cost | Without insurance | With insurance* | Why the difference? |
|---|---|---|---|
| Mediation | £250+ | £0 | Insurer negotiated rates |
| Notice served | £250+ | £0 | Insurer negotiated rates |
| Court issue fee | £404+ | £0 | Court fee is paid by insurer |
| Advocate / hearing fee | £180+ | £0 | Insurer negotiated rates |
| Legal representation | £800+ | £0 | Insurer negotiated rates |
| Possession order costs | £600+ | £0 | Insurer negotiated rates |
| Bailiff and locksmith fees | £500+ | £0 | Insurer negotiated rates |
| Recovery / tracing / admin | £600+ | £0 | Insurer covers recovery |
| Total legal costs | £3,584+ | £0 | Before rent loss |
| Rent lost while waiting — notice delayed for 3 months | £6,000 | £0 | Three months lost rent before action |
| Court delays — average 6 months | £12,000 | £0 | The legal delay is the same |
| Bailiff delays — up to 6 months | £12,000 | £0 | The enforcement delay is the same |
| Rent Arrears Cover — example £2,000 pcm | — | Paid in full | Paid monthly in arrears once accepted |
Total potential impact
£33,584+
Out of pocket
With insurance*
£0
Out of pocket
Average timescales
Notice cannot be served
Section 21 four-month rule or compliance issues
3
months
Court delays
Average
6
months
Bailiff delays
Up to
6
months
Total time to possession
Up to 15 months
The delays are real. The difference is who carries the cost while you wait.
With TLA & Insurance
✓Insurer pays the eligible rent — no loss of income
✓Covered legal costs and bailiff fees paid
✓Possible excess only if late notification applies
✓Expert support and guidance at every stage
✓A stronger, claim-ready evidence trail
✓Support in place from the first missed payment
Protected. Supported. On your side.
Without insurance
×You pay legal and court costs
×No rent for up to 15 months or more
×No guarantee of recovering arrears
×High financial impact
×Stress, worry and sleepless nights
Unprotected. It's all on you.
*Subject to policy terms, conditions, compliance, claim acceptance and any applicable excess. Rent protection is paid monthly in arrears once a claim is accepted. Example costs and timescales are illustrative and actual outcomes may vary.
From the first missed payment through to recovery — a clear process so you know what happens next.
Rent Missed – Submit Claim
Mediation
Legal Assessment
Claim Decision
Rent Payments
Eviction
Recovery/Damages
Rent Arrears Cover starts once possession action is underway. Learn more about the claims process →
The property is protected
TLA Rent & Legal Protection protects the insured property address rather than being tied solely to one tenant.
If one tenancy ends and another begins during the period of insurance, you don't automatically need to purchase another annual policy simply because the tenant changes.
The new tenancy and tenant must still satisfy the applicable policy requirements.
Subject to policy wording and eligibility requirements. This statement must be checked against the final insurer wording and IPID before publication.
One property. One annual policy. Changing tenant.
Rent and Legal Protection
From £292 a year*
That's around 80p a day to help protect an income worth thousands of pounds a year.
*Example includes a £277 annual insurance premium and TLA's £15 annual administration fee. Cover is subject to policy terms, conditions, limits, exclusions and eligibility.
A small fee to keep TLA working for landlords
Insurance has a lot going on behind the scenes. Our small £15 annual administration fee helps towards the cost of administering your policy, payment processing, technology, hosting and keeping TLA's landlord tools and guidance available.
We'd rather be clear about it than hide it somewhere in the small print.
