Letting property in London offers exceptional income potential — but it also carries real financial risk. Even well-vetted tenants can fall behind on payments due to job loss, illness, or personal circumstances. For landlords, this can quickly translate into thousands of pounds in lost rent and legal costs.
Rent Guarantee Insurance provides critical protection by covering your monthly rental income if a tenant defaults. At Fraser Bond, we help landlords across London access robust, competitively priced rent guarantee policies — and combine them with expert property management for maximum security and peace of mind.
Rent Guarantee Insurance (also known as Rent Protection Insurance) is a policy that ensures landlords continue receiving rental income even if a tenant:
Stops paying rent
Falls into arrears
Requires formal eviction proceedings
These policies typically include:
Monthly rent payments up to a capped limit
Legal expenses coverage (e.g., for eviction or court action)
Arrears recovery and court representation
Optional cover for vacant periods or ongoing disputes
A single missed rent payment in London can exceed £2,000 per month — multiple months can severely impact cash flow and mortgage obligations.
Tenant evictions can cost thousands in legal fees and take months. Most rent guarantee policies cover legal representation and court fees.
Even well-referenced tenants can face sudden financial hardship. Insurance provides certainty in an unpredictable market.
For portfolio landlords, rent protection ensures that one problem tenant doesn’t impact wider investment performance.
Fraser Bond works with leading underwriters to offer comprehensive rent guarantee cover, integrated with our letting and management services.
Up to £2,500–£5,000/month per property
Up to 12 months of missed rent covered
Payable from the first or second month of arrears (depending on policy)
Up to £50,000 legal cover
Eviction proceedings
Court representation and bailiff services
Mediation and recovery costs
Arrears tracking and communication
Legal notice issuance (Section 8, Section 21)
Step-by-step action plan in case of non-payment
Rent guarantee during void periods (for managed properties)
Home emergency cover (plumbing, heating, electrics)
Public liability protection
Buy-to-let landlords seeking income protection
Overseas landlords unable to intervene quickly during disputes
Portfolio investors who need to protect cash flow
New landlords managing high-value or mortgaged properties
HMO landlords with multiple tenant dependencies
We simplify the process by:
Screening tenants to meet insurer requirements
Handling all paperwork and policy setup
Managing claims directly on your behalf
Offering rent guarantee as part of our full property management service
Ensuring smooth integration with deposit protection and compliance
Absolutely — especially in London. For as little as £200–£300/year, rent guarantee insurance could save you:
£12,000+ in missed rent over 6 months
£3,000+ in legal and court fees
Months of stress, time, and uncertainty
Renting out a property in London is a lucrative but increasingly regulated venture. Even with great tenants and expert management, unexpected arrears and legal issues can arise.
Fraser Bond’s rent guarantee insurance provides a financial safety net that ensures you’re paid — even when your tenant isn’t. Paired with our full-service letting and legal support, you gain peace of mind and uninterrupted income.
