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).

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