Tenant Reference Services

It is a requirement of this insurance that the policy holder carries out references before the tenants move into the property. In the event of a claim, the responsibility lies with the insured to present the referencing documents.

All types of tenants have to be fully referenced a Referencing company approved

However, for full time employed working tenants a 4 point check will suffice* (please note that the details have to be valid from the start of the tenancy agreement.)

The 4 point check is:
  • Identification from the tenant, containing a clear verified photograph
  • Either a utility bill or a bank statement
  • Credit check; clear of CCJ’s, bankruptcies & 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)

*Please note that if the 4-point check is applied & is in place, there will be no need to do a full profile – though in the event of a claim, the responsibility lies with the insured to produce the appropriate documents.

Please note that when a working person does not meet the above requirements or after working out their ratio of income against the rental requirement it proves insufficient: then a full profile reference has to be carried out. This reference can only be carried out either one of our appointed referencing companies (please contact us direct for the list).

Quote me landlord Insurance saved me a lot of money on my three let properties.
A Majeed from Peterborough