buy to let insurance

Legal expenses features and benefits

Our Buy to Let legal expenses insurance cover provides the following:

Basic cover provides you with the legal advice and protection from the professional costs and expenses of legal actions which may arise including:


• Employment contract - covers the cost up to £50,000 of defending disputes relating to contracts for full or permanent part time employment. Cover includes any resulting award a court or tribunal orders you to pay up to £25,000.
• Tax and VAT - covers the costs up to £25,000 of an appeal against the Inland Revenue or HM Customs following an in-depth investigation into your most recent PAYE, business tax or VAT accounts.
• Legal advice help line - access to Law phone which provides advice on all business related legal matters
• Prosecution defense - covers costs up to £50,000 for defending your legal rights after an event which arises out of your business activities as a landlord and results in criminal proceedings.
• Property - covers the costs up to £50,000 of taking legal action relating to damage to your business premises.
• Jury service - provides up to £100 per day to cover any shortfall in your salary or wages as a result of attending jury service.

Cover can also be extended to include the following:

• Data Protection – Cover up to £100,000 for any one claim in respect of your legal costs to:
  • Defend you in a dispute relating to the Data Protection Act 1998.
  • Appeal against a refusal of an application for registeration or alteration of your registered particulars.
  • Appeal against an Enforcement, De-registeration or Transfer Prohibition Notice.
  • Pay compensation awards against you relating to the holding, loss or unauthorised disclosure of data under Data Protection legislation.
• License protection - costs up to £100,000 of defending the withdrawal, restriction or suspension of your business license.
• Personal injury - covers costs up to £100,000 of taking legal action against another person who causes death or bodily injury to you.
• Witness Attendance Allowance – Cover up to £5,000 for any one Event in respect of the salary or wages of an employee that you cannot get back from the court, tribunal or arbitration.