How Rent & Legal Insurance Saved One Landlord Over £10,000 in Lost Rent

Aug 18, 2025

For many landlords, the idea of a tenant not paying rent is one of the biggest worries — and unfortunately, it’s a situation that can happen to anyone. But with the right protection in place, what could be a financial nightmare can quickly become a manageable (and fully covered) process.

Here’s a real-life success story of how one of our landlords avoided over £10,000 in rental losses and legal costs, all thanks to a Rent & Legal Insurance policy arranged through Oakfield.

The Timeline: What Happened

  • Tenant moved in: 11 July

  • Insurance policy active: From day one

  • Rent unpaid: October, November, and December

  • Partial payment made: December — then complete silence

  • Total arrears: £10,073.42

The Outcome: Full Support and Zero Financial Loss

Thanks to the landlord’s decision to take out Rent & Legal Insurance at the start of the tenancy, here’s what happened next:

  • ✅ Mediation arranged in January to attempt a resolution

  • ✅ Solicitors instructed when the tenant defaulted on a payment plan

  • ✅ Court proceedings commenced, with all legal expenses covered (which could have cost between £5,000–£10,000 out of pocket)

  • ✅ Possession granted by the courts in May

  • ✅ High Court enforcement requested to speed up the eviction process

  • ✅ Eviction carried out on 22 July

  • ✅ Property recovered, with all rent arrears and legal costs covered under the policy

The Takeaway: Protection That Pays

Without this policy, the landlord would have faced:

  • Over £10,000 in rent arrears

  • Thousands more in legal costs

  • Months of stress and uncertainty trying to navigate the legal system alone

Instead, she was fully supported by legal experts throughout the process, recovered her property promptly, and suffered minimal financial impact.

Don’t Leave It to Chance

This story is a powerful reminder of why Rent & Legal Insurance isn’t just optional — it’s essential for protecting your property and your peace of mind.

Whether you’re a new landlord or managing a growing portfolio, having this safety net can make a world of difference when things go wrong.

Get in touch today to learn more about the Rent & Legal cover we offer and how it can safeguard your investment.

Protect your rental income with confidence. Let us help you stay one step ahead.