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15 months of missed rent covered. £100,000 of legal costs. Backed by Aviva, arranged by Alan Boswell. £250 a year for any standard let.
Up to 15 months of missed rent. £100,000 of legal costs. No excess. Flat fee for any standard tenancy up to £2,500/month rent.
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Six months without rent, before the Renters' Rights Act has fully bedded in. London is closer to 11 months. Possession times have grown 9% in the last year alone, with Section 21 gone and Section 8 the only route.
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The Act has pushed the Section 8 trigger from 2 months of unpaid rent to 3, plus a 4-week notice period before you can serve. Alan Boswell deliberately kept the claims window at 2 months.
"We don't think it's fair to make landlords wait longer." Lee Power, Alan Boswell.29%
Rent eats around 36% of UK tenant income. Even great tenants can fall on hard times. Three quarters of renters have no income protection of their own. Buying landlord-side cover is how the risk gets carried.
Four checkpoints between an enquiry and a paid claim. Each one closes a door insurers commonly use to reject claims.
Open Banking affordability, credit, employer, previous landlord. Hello Neighbour referencing aligns with Alan Boswell's policy criteria, so a pass here is a pass with them.
2.5x gross monthly rent for the tenant, or 3x if you're using a guarantor. No CCJs, IVAs, or bankruptcies in the last 3 years. Two forms of ID, one with photo.
Alan Boswell's claims window stays at 2 months even after the Renters' Rights Act moves the Section 8 threshold to 3. You don't wait the extra month to flag a problem.
Once Alan Boswell's in-house solicitors confirm sufficient prospects, rent is backdated to the first missed payment and paid throughout possession. Up to 15 months.
Rent Guarantee Insurance only earns its keep if it pays out cleanly when you claim. That's why Alan Boswell run claims in-house with their own solicitors in the same building, not via a third-party administrator. No call-centre handoffs. No drawn-out file transfers. The same team that took your premium handles your claim.
Watch the recent webinar hosted with Alan Boswell Group below.
The policy is also written tight. Cover starts from the first missed rent, not after a waiting period. No excess. Continued payment while possession proceeds. And if you need to talk to a lawyer about anything before you ever claim, the legal helpline is included.
Two landlords, the same problem, two different outcomes. Both cases shared by Alan Boswell at our March 2026 webinar.
Julia took out legal expenses cover but skipped the rent guarantee element. When her tenant stopped paying, the eviction took 24 months. London courts were already slow, then bailiff delays piled on top.
Her legal costs were covered. Her lost rent wasn't.
Lee Power, Alan Boswell"It's worth that extra just going for belt and braces in that scenario."
Ben had both rent guarantee and legal expenses. When his tenant stopped paying, he notified Alan Boswell. Their in-house solicitors confirmed prospects, the eviction process started, and rent was backdated to the first missed payment. Mid-eviction, the tenant filed a disrepair counterclaim. Ben's legal cover defended it. Successfully.
Ben faced no financial loss.
Alan Boswell case file"His experience shows the value of having comprehensive landlord insurance."
Richard Jenkins, our co-founder, hosted a Q&A with Alan Boswell's Lee Power in March. The answers below are drawn from that session. If yours isn't here, give us a call or email contact@hello-neighbour.com. We usually reply within an hour during working days.
You probably do if you'd struggle to cover the mortgage on this property for six months without rent coming in. You probably don't if you have strong reserves, a long-trusted tenant, or you spread risk across a portfolio.
We'd rather you skip it than buy something you don't need.
Up to 15 months of missed rent. Up to £100,000 in legal expenses. No excess. Service of Section 8 notice. Continued rent payments throughout possession proceedings.
Plus, post-eviction: up to 3 months of vacant cover at 75% rent, removal of squatters, replacement of locks and keys, and storage of tenants' goods.
Property damage, cleaning, redecoration, arrears that existed before the policy started, tenancies that wouldn't have passed referencing, or non-compliant tenancy agreements. The cover is on the rent, not on the building.
Yes, for any standard let with rent up to £2,500 per month. No tiering by property value.
If your rent is above £2,500/month, Alan Boswell will give you a bespoke quote, just ask.
Yes. You don't need to re-reference, as long as the tenant has never missed a rent payment. There's a 60-day exclusion period from the policy start date before you can claim, which is standard across the industry.
Plenty of landlords take cover mid-tenancy for peace of mind, particularly as the Renters' Rights Act has lengthened evictions.
Because Aviva won't pay out on a tenancy that wasn't properly checked. Selling you a policy you can't claim on would be theft with extra steps.
Hello Neighbour's £24 reference is built to align with Alan Boswell's criteria, so a pass here is a pass with the insurer.
2.5x gross monthly rent for the tenant, or 3x if you're using a guarantor. No CCJs, IVAs, or bankruptcies in the last three years. Two forms of ID, one of them photo.
If the tenant doesn't meet the criteria, a qualifying guarantor can still get you cover.
The legal threshold for serving a Section 8 has moved from 2 months of arrears to 3, plus a 4-week notice period. Time to possession is moving from around 25 weeks towards 30 to 40.
Alan Boswell deliberately kept the claims notification window at 2 months so you don't have to wait the extra month before flagging a problem.
We won't push this at you. If your tenant has paid like clockwork for three years and you've got reserves, save the money. If you're a first-time landlord with all the mortgage exposure resting on one tenant, you almost certainly should buy it. Either way, talk to a real person first.
With the implementation of the Renters Rights Act there is increasing encouragement from Letting Agents to take out Legal Expenses and Rent Guarantee Insurance. So, we thought it would be useful for Hello Neighbour to share our thoughts and experience on the subject; whether it is necessary, and what to look for if you do decide to use it.
When the Renters' Rights Act is implemented on 1 May 2026, landlords can use strong referencing to feel confident about who is moving into their home.
£250 a year. Cover from the first missed payment. Up to 15 months of rent and £100,000 in legal costs. Underwritten by Aviva, arranged by Alan Boswell, sold only on a passing reference.
Already on Get Rented Pro? Rent & Legal Protection isn't included by default, but it's available as an add-on. Ask your account manager (or your property manager if you're mid-tenancy) and they'll arrange it.
Not on Pro yet? Start with a tenant reference - it's the eligibility check for this cover anyway, and one of the cheapest ways to find out whether your tenancy qualifies.
