When the rent stops: which cover pays?
Pick what has happened, or what you are worried about, with your let. The tool shows which kind of cover is meant for that event, what usually has to be true for it to pay, and the exact questions to put to your own policy wording or insurer. It gives no prices: every figure here is either yours or a sourced fact from this site's evidence register.
What usually has to be true for this to pay:
Questions to put to your own policy wording or insurer:
Also worth checking, whichever cover applies
- In England, a policy taken out or renewed from 1 May 2026 loses any term requiring you to bar benefit claimants or tenants with children (Renters' Rights Act 2025 s.38, read 30 September 2026). Check whether your policy wording has been updated for this if you renew on or after that date.
- Before cover starts, you usually owe your insurer a duty to give an accurate picture of the risk: under the Insurance Act 2015 this is a fair presentation of every material circumstance you know or ought to know; under a consumer policy, CIDRA 2012 asks you to take reasonable care that what you tell them is accurate. Either way, check what you disclosed matches what you know now.
- FCA rules require an insurer to handle any claim promptly and fairly (ICOBS 8.1.1R). If a claim under one of these covers stalls, that rule is worth quoting back to them.
- This tool sets the three covers side by side against your own let, so you can compare before you choose with an insurer or a broker. It does not recommend or link to any provider.