Legal Expenses / Repossession / Rent Recovery
You are covered for legal expenses (£25,000 or £50,000 limit of indemnity any one claim and in the aggregate) incurred in proceedings if a tenant fails to perform his obligations as set out in the tenancy agreement for the insured property. The insured event must occur during the period of insurance and the amount in dispute must exceed £250 including VAT. Additional coverage for the actual loss of salary or wages by the insured or any of the directors, partners or employees of the letting managing agent, for the time off work to attend any court or tribunal hearing.

Rent Guarantee
You are covered for rent arrears owed by the tenant under the tenancy agreement where an insured event has occurred and you are, where appropriate, pursuing proceedings under this Policy (£2,500 limit of indemnity a month; £12,500 limit for 6 months and £25,000 limit for 12 months). Rent will only be payable during the period of the tenancy agreement or until vacant possession has been gained, whichever happens first.

Eviction of Squatters
Covers your legal rights to evict anyone who is not your tenant or ex-tenant from your property and who has not got your permission to be there.

Property Damage
A tenant’s or third party’s alleged or actual negligent act or omission, nuisance, trespass or criminal damage relating to the property.

Legal Defence
Covers you to defend your legal rights if an event arising from letting your property leads to you being prosecuted in a criminal court.

Helpline Service
Complementary telephone advice lines for employment law, health and safety, general legal, taxation and VAT. The service is available weekdays between 9:00am to 5:30pm by calling 01455 852100.

Contract Disputes
A dispute over the contract for the sale or purchase of the property.

To make a claim under your policy, please call Qdos Broker & Underwriting Services Limited on 01455 852100. We will ask you about your legal dispute and if necessary call you back at an agreed time to give you legal advice. If your dispute needs to be dealt with as a claim under this policy, we will give you a claim reference number. At this point we will not be able to tell you whether you are covered, but we will pass the information you have given us to our claims-handling teams and explain what to do next.

The documents required may vary case to case, however the standard documents usually requested for claims under this policy would include:

• A copy of the Tenancy Agreement
• Schedule of Rent Arrears
• Schedule of Dilapidations (if applicable)
• Inventory
• Tenant/Guarantor references
• Copies of any correspondence with the tenant(s)
• Copies of notices served
• If your dispute needs to be dealt with as a claim under this insurance policy, DAS will give you a claim reference number. At this point we will not be able to tell you whether you are covered DAS will confirm in writing.

If you prefer to report your claim in writing, you can send it to the Claims Department at the following address:

The Claims Department
Qdos Broker & Underwriting Services Limited
Windsor House
Troon Way Business Centre
Humberstone Lane
Thurmaston
Leicestershire
LE4 9HA

Alternatively you can email your claim to: claims@qdosunderwriting.com