Bit confused with Tenants Liability Insurance vs Contents Insurance

stator

Yes, if the tenancy agreement requires you to have insurance and you do not have insurance, then in theory the landlord may be able to sue you for his losses. It may or it may not stand up in court, depending on how reasonable it is.

davidmcn

stator wrote: »

Yes, if the tenancy agreement requires you to have insurance and you do not have insurance, then in theory the landlord may be able to sue you for his losses. It may or it may not stand up in court, depending on how reasonable it is.

If it's a claim for something the tenant would have been liable for (which is what I would interpret "tenant's liability" to be!) then the landlord could sue anyway, irrespective of whether there was an obligation to get insurance.

jo_yp

Many thanks for this! We've been searching for independent tenant's liability insurance but seems it's only covered in broader contents insurance. I think we'll opt for something and cancel as advised.

G_M

1) the landlord/agent won't know you've cancelled unless you tell them, or a claimable event occurs (eg you damage his carpet or whatever)


2) If a claimable event occurs (eg you damage the carpet) the landlord can claim the cost off you. If you have cancelled the policy you will be unable to claim, so would have to pay the cost yourself (or have it taken from your deposit).