Tenants Insurance

We have been contacted by a number of agents with regards to the insurance clauses in their tenancy agreements and in some cases their terms of business.

We understand that a well known landlord insurance company is suggesting that some of our clients need to amend their terms of business and tenancy agreements in line with the office of fair trading (OFT) guidance.

The clause that is causing the problem relates to the insurance the tenant is advised to obtain. PainSmith Solicitors documents advise tenants that they should obtain insurance and warns them that the landlord insurance will not cover their belongings. The clause is therefore not unfair as the tenant is not forced to obtain insurance.

The guidance that the insurance company is referring to was published in 2005 therefore we are unclear as to why this has been raised by them now however, if you are using PainSmith Solicitors documents and assuming that the clause has not been amended then you are all advised that the clause complies with the OFT guidance and as such no papers need to be sent to the insurance company for them to “check”.


  • James white 2nd August 2011 at 3:03 pm

    What kind of things with a tenants insurance cover just their own property in the house or their shed etcs

    • PainSmith 8th August 2011 at 4:27 pm

      Its their policy so they need to speak to the insurer and see what they can cover

  • Dan 3rd August 2011 at 7:18 am

    The problem is I think that some agents may be informing tenants that they have to take insurance and through them and have clauses in their agreements pertaining to this

    • PainSmith 8th August 2011 at 4:31 pm

      This is something that the tenants should therefore refuse to do and refer our blog to them!

Leave a Reply