It is important that you read this document carefully along with the Insurance Product Information Document provided for full details of the policy, including what you are covered for and any exclusions or limitations on the policy.

This cover is designed for residential property landlords that wish to cover themselves for the cost of legal fees in the event of a breach of a tenancy agreement. The policy will cover up to a maximum of £50,000 of professional legal fees providing that all the tenant referencing conditions of the main policy terms and conditions are met. In addition to cover for legal expenses this policy will cover unpaid rent up to maximum of £2,500 per month for a period of 12 months. The maximum we will pay in a policy period of 12 months for any unpaid rent is £30,000.

You must provide full and accurate information to all questions asked. Your answers must be true to the best of your knowledge and belief. Your answers will form part of the statement of facts on which your policy will be based. If you become aware that information you have given us is inaccurate or has changed, you must inform us as soon as possible. Failure to do this may invalidate your policy and claims may not be paid. You must observe and fulfil the terms, provisions, conditions and clauses of this policy as failure to do so could affect your cover.

For cover to be in place you must pay the agreed premium and if you make a claim any excess as shown on your schedule.

You can pay your premium as a one off payment annually or in monthly instalments.

Payment can be made by debit or credit card or by BACS transfer.

Payment can also be made by direct debit. Oops has teamed up with Close Brothers Premium Finance to offer monthly payment terms. Close Brothers Premium Finance charge 10% interest on a 12 month policy with an APR 19.5%. Please note that this is a direct debit agreement and you must keep up your repayments. Charges may apply for late payments and result in the full sum outstanding being repayable.

Your let property must be located within the United Kingdom of Great Britain and Northern Ireland.

Your property must be let under an assured shorthold tenancy, a short assured tenancy or an assured tenancy as defined by the Housing Act 1988 (updated and amended by the Housing Act 1996) or the Housing (Scotland) Act 1988 or let as a private residential tenancy (as defined in the Private Housing (Tenancies) (Scotland) Act 2016); or let under the Private Tenancies (Northern Ireland) Order 2006; or let to a limited company or business partnership for residential use by their employees; or where you permanently live at your property and have let a room(s) to a tenant.

There is no cover under this policy for any circumstances which you were aware of before the start date of this insurance.

There is no cover under this policy for any costs incurred before we have accepted your claim or which we have not authorised in advance.

There is no cover for disputes with the tenant which arise within the first 90 days of the start date of this insurance if the tenancy commenced before this insurance started (unless continuous equivalent cover was in place immediately before this insurance commenced).

This is a claims made policy which means that claims must be notified to us during your period of insurance or within 14 days after the expiry date if this insurance is not renewed. Claims relating to unpaid rent must be reported to us within 60 days of the rent becoming due and payable (and within the timescales specified above).

There must always be more than a 50% chance that any claim under this insurance will have a successful outcome.
We will always select a legal representative of our choice to deal with your claim. If legal proceedings are issued or if there is a conflict of interest, you may choose your own legal representative. Your chosen legal representative must agree to our standard terms of appointment and the most the insurer will pay is no more than the amount that would have been paid to our own choice of legal representative.