Supporting your brand. Building your business

1. Supportingyour brand.Buildingyour business Product Training Guide

2. Our product range

3. Who are Rentguard products for? Landlords Home owners Commercial lettings Tenants Residential Buy-to-let Properties

4. Landlord Household Insurance • Provides cover for buy-to-let houses, bungalows and flats for damage to the buildings and landlords contents • Can provide cover for commercial and residential combined properties • Underwritten by RSA (former Royal & Sun Alliance), Sterling Insurance and Equity Redstar • Quotes are provided for working professionals, students, DSS, asylum seekers and unoccupied properties • We also provide cover for some UK holiday homes • Rentguard must be notified whenever there is a change in tenancy/alterations

5. Landlord Household Insurance

6. Commercial Property Insurance • Provides cover for most commercial properties including offices, taxi offices, estate agents, hairdressers, beauticians, restaurants, dental surgeries, car accessory stores, furniture stores and garden centres • Can provide cover for commercial and residential combined properties • Underwritten by Sterling Insurance • Rentguard must be notified whenever there is a change in tenancy/alterations

7. Commercial Property Insurance

8. Owner Occupier Insurance • Provides buildings cover for home owners with or without contents cover • Underwritten by RSA (former Royal & Sun Alliance) • Rentguard must be notified whenever there is a change in tenancy/alterations

9. Owner Occupier Insurance

10. Tenant Contents Insurance • Provides cover for all residential tenants (including students) living in flats, bed-sits, shared accommodation and halls of residence • Underwritten by RSA (former Royal & Sun Alliance)

11. Tenant Contents Insurance

12. Legal Expenses & Rent Guarantee Insurance • Provides cover for advisors costs incurred in eviction proceedings when a tenant fails to perform their obligations set out in the terms of the Tenancy Agreement. This policy also covers rent arrears owed by the tenant under the Tenancy Agreement • Tenant referencing is a requirement of this policy • Legal expenses insurance only is also available • The policy is available for 6 and 12 month tenancy terms • Underwritten by Inter Partner Assistance S.A. a subsidiary of the AXA Assistance Group

13. Legal Expenses & Rent Guarantee Insurance

14. Tenant Referencing • Tenant referencing is a requirement of the Legal Expenses & Rent Guarantee Insurance policy • All types of lets have to be fully referenced either by Rentguard or a referencing company approved by Rentguard • HOWEVER full time employed working tenants only need a 4 point check • The 4 point check: • Identification from the tenant containing a clear photograph • Either a utility bill or a bank statement • Credit check clear of CCJ’s, bankruptcies and indicating confirmation of residency • Confirmation of employment- a written employers’ reference on company letter headed paper confirming the tenant’s permanent and current employment and that their salary is at least a multiple of 2.5 of the tenant’s rent. (The documents should be no more than one month old from the start of the tenancy) • If a working professional does not meet the above criteria or their salary is insufficient then a full reference must be carried out • It is the insured's responsibility to provide evidence of a satisfactory Tenant reference in the event of a claim

15. Portfolio and Block Scheme Insurance • Rentguard provides Block Schemes for portfolio requirements covering both commercial and residential properties including blocks of flats, bed-sits and some guest houses • This product is aimed at freeholders, investors, landlords, property managers, residential block schemes and landlords associations with multiple properties • Quotes are provided for multiple tenancies including working professionals, students, DSS, asylum seekers and unoccupied properties • The main benefit of this policy is to have all properties insured together with minimal administration, renewals all on the same day and direct contact with a dedicated account manager

16. What your customers should have when taking out a policy • Risk address • Building sum insured • Type of tenants • Previous claims

17. How To Buy

18. Important Points • When getting a quote for any buildings insurance policy you will be asked the value of the buildings sum to be insured. This is not the same as the property value Buildings Sum Insured = the cost of rebuilding the property to its original standard if you had to completely rebuild it. • The only way to get an accurate value of the rebuild value is to get a professional survey done • The maximum payout will be equal to the buildings sum insured • When taking out contents insurance it is important to remember that in the event of a claim the maximum payout will be equal to the contents sum insured so the full value of the contents to be insured must be covered

19. In the event of a claim If your client needs to make a claim they should: Only emergency work to prevent further loss can be carried out straight away. Under no circumstances should full repairs be carried out without our prior consent.

20. Contact Details • Rentguard Customer Services 0208 587 1060 • Fax number 0208 587 1061 • Emailinfo@rentguard.co.uk • Rentguard head office • Grove House • 551 London Road • Isleworth • Middlesex • TW7 4DS