Q Will a local authority be involved during a claim process?A No. The whole claims process will be dealt with by

Coversure’s fully trained and dedicated claims team.

Q What happens if the tenant fails a CCJ check?A The policy can still be taken out providing the housing

benefit is paid directly to the landlord.

Q Will the tenant be required to provide a guarantor?A No. The tenant is not required to provide a guarantor,

deposit or rent in advance.

Q Who will remind the landlord when the policy is due for renewal?

A Coversure Insurance Services will contact the landlord directly 4 weeks before the policy is due for renewal.

Q Tenants who receive partial HB as they are also working. Where is the cut-off point when they should be covered by normal rent guarantee insurance?

A Cover can be provided, and each case must be referred to Coversure for consideration.

Q What if the tenant carries over a HB overpayment from a previous address which is being recovered from their HB at the new address. Will this shortfall be covered by SettledSure’s Rent Guarantee and Legal Protection Policy?

A Overpayments from previous addresses that are being recovered from the tenant’s current claim are specifically excluded under SettledSure’s Rent Guarantee and Legal Protection policy.

Q What is the latest time when a landlord can make a claim?

A You can make a claim even on the last day of the policy and there is no need to renew the cover.

Q Can I obtain insurance cover after the tenancy has started?

A Yes, provided that housing benefit is in payment and there are no rent arrears at the date the cover starts.

To obtain a quote or set up a policy please contact and quote ‘SettledSure’Rajan Amin Cert CIICoversure Insurance Services (Kennington)T 0800 093 9009 (free phone) T 0207 998 0102 Fax 0207 820 3888220 Kennington Park Road, London, SE11 4DAOffice Hours 9:00 am to 5.30 pm Monday to FridayWeb: www.coversure.co.uk/settledsure

Finalist for two UK Broker Awards 2010 - Investment in People and Business Owner of the Year (2010) Winner of Claims Assistance Award Branch of the Year 2009 Winner of Commercial Lines Branch of the Year 2010 Coversure Insurance Services 25th Anniversary 1986 - 2011

Other specialist Housing Benefit policies in the SettledSure range include:Landlords Contents InsuranceA unique policy that provides the landlord with protection against standard insured perils as well as malicious damage to their contents caused by the tenant. Up to £5000 cover which includes £2500 for carpets, white goods and curtains.

SettledSure is a trading style of Coversure Insurance Services (Kennington) in association with Settled Housing Solutions. RIA Consulting Ltd t/as Coversure Insurance Services (Kennington) is authorised and regulated by the Financial Services Authority. Settled Housing Solutions is an Introducer Appointed Representative of Coversure Insurance Services (Kennington).

Reducing landlord’s risk of rental losses from tenants claiming housing benefitCall Free phone 0800 093 9009 to set up a policy today www.coversure.co.uk/settledsure

Housing Benefit Rent Guarantee and Legal Protection Insurance

Unique Housing Benefit Insurance Protection for Landlords Our unique Rent Guarantee and Legal Protection Insurance provide landlords with protection should a tenant default on rental payments. The policy will, provided a claim has been accepted, pay rental income and the full costs of evicting the tenant.

The cover is ideally suited for landlords, letting agents and providers of temporary accommodation who work directly with a local authority housing service or a housing association.

Key features of the policyRent Guarantee and Legal Protection Cover

• 12 month Insurance Policy• Maximum cover £1,733 per month (£400 per week)• £10,000 of rent cover or 12 months rental loss

whichever comes first.• Nil excess on eviction cover

Legal Expenses Cover

• £50,000 Cover for any one claim• £25,000 Eviction Cover• Property disputes• Repairs and Renovation Disputes• Health and Safety Prosecution• Tax Protection

How much does the policy cost?The fixed annual premium is set on local rent levels in your area. Call Free Phone 0800 093 9009 to find out your annual premium.

And don’t forget....the insurance premiums for let property are tax deductable!

Also, if you offer your property to a local authority they may consider reimbursing you for your first year’s premium once a policy has been confirmed.

Excess - What is not covered?• First two full month’s rent arrears (i.e. Claim paid from

month 3 onwards)• Legal Expenses £1,000 excess• Nil excess for Eviction Cover

Term and Conditions• An Assured Shorthold Tenancy must be in place• Housing Benefit must be approved• Proof that the Housing Benefit had been approved from

the start of the tenancy is required at the claims stage• Rent Guarantee claim must be notified within 60 days

(due notices issued by landlord)

So why is SettledSure Housing Benefit Insurance unique?By listening to the views of both landlords and local authorities who operate in the housing benefit market SettledSure have designed a unique and exclusive insurance policy which will result in far less claims being rejected.

With SettledSure Insurance a tenant does not require a guarantor, rent in advance or deposit and a County Court Judgement check will not be required if the tenant’s benefits are paid direct to the landlord.

Setting up a policy and making a claimThe SettledSure Insurance Policies are only available through Coversure Insurance Service’s Award Winning Kennington Branch.

Setting up a policy can take just minutes. All Coversure Insurance Services require to validate the cover is confirmation from either the landlord or the local authority that the client(s) housing benefit has been approved.

The landlord can then get cover from day one - It’s that simple!

Coversure Insurance Services fully trained, dedicated and friendly team are ready to deal with any claim.

Frequently asked questions

Q What tenant reference checks and advice would a local authority be expected to carry out before the policy starts?

A The local authority will be expected to carry out normal housing options checks i.e. proof of identity and entitlement to welfare benefits, are sufficient to start the cover providing the client’s Housing Benefit is to be paid direct to the landlord.

Q Does the Rent Guarantee and Legal Protection Insurance Policy cover Houses in Multiple Occupation (HMO’s?)

A Yes, the policy has to be taken out for each tenancy agreement