The private rental sector is about to change significantly. With the Renters’ Rights Bill set to become law in early 2026, many landlords are asking us the same question: “How do I protect my rental income and investment under these new rules?”
It’s a fair concern. The abolition of Section 21, new possession processes and enhanced tenant rights mean that dealing with problematic tenancies will become more complex and time-consuming. What might have taken a few months to resolve could now take considerably longer.
At Roe & Co, we believe that being a landlord shouldn’t keep you up at night. That’s why we’ve enhanced our landlord services with comprehensive Rent Protection and Legal Expenses cover designed specifically for the challenges ahead.
Why Rent Protection Matters More Than Ever
Under the new legislation, regaining possession of your property will require using Section 8 grounds with longer notice periods and more stringent processes. For rent arrears specifically, the threshold is increasing from 2 to 3 months before you can begin proceedings.
This means:
- Longer periods without rental income if things go wrong
- Higher legal costs navigating the new possession procedures
- More complexity in managing tenant disputes
- Greater financial risk for landlords
The good news? With the right protection in place, you can have peace of mind knowing your rental income is secure, even in worst-case scenarios.
Your Safety Net: Comprehensive Rent Protection
We’ve partnered with leading insurance providers to offer Bolton landlords something truly valuable – rent protection that actually works when you need it most. This protection has been specifically designed for the new rental landscape.
Renters’ Rights Bill Ready Protection
Our service has been updated to cover the specific challenges of the new legislation:
- Cover for Section 13 Rent Increases
Under the new rules, you can only increase rent once per year through the Section 13 notice process. If a tenant refuses to pay the increased amount, our protection covers the difference, ensuring you don’t lose out. - First Month’s Rent Protection
If a tenancy is executed and the tenant obtains keys before payment is received, you’re covered from day one. This protects you in those awkward situations where everything’s signed but payment hasn’t cleared. - Section 8 Legal Expenses
All legal costs for eviction proceedings under the new Section 8 grounds are covered up to £100,000, including court costs, legal representation and bailiff fees.
What Makes Our Service Different?
- Nil Excess as Standard
Unlike many providers who charge excess fees, our service includes nil excess for claims made within the first 45 days of rent arrears. This means you receive 100% of your monthly rent until vacant possession is obtained – no deductions, no gaps in income. - 90-Day Claims Window
We offer a generous 90-day window from the first missed payment to make a claim. This gives you time to try resolving issues with tenants directly before escalating, without losing your protection. - 100% Rent Coverage Until Possession
We pay your full monthly rent for as long as it takes to regain possession of your property – with no cap on the number of months covered (up to £100,000 indemnity). Once you have possession back, we continue paying 90% of rent for up to six weeks while you find new tenants. - Comprehensive Legal Support
Should you need to pursue eviction proceedings, we handle everything:- Serving Section 8 notices correctly under new procedures
- Arranging legal representation throughout proceedings
- Covering all court costs and bailiff fees
- Providing support for serious breaches like subletting or anti-social behaviour
Protection Beyond Rent Arrears
Our service covers scenarios that can seriously impact your investment:
- Property Damage Cover
If tenants cause damage exceeding £1,000, we cover the legal expenses to pursue recovery through the money judgement process. We’ll also pay you up to £1,000 where damages exceed the deposit amount held. - Eviction of Unauthorised Occupants
Whether dealing with squatters or ex-tenants refusing to leave, we cover the costs of regaining possession of your property. - Contract Dispute Resolution
Legal expenses are covered for disputes arising from tenancy agreements, giving you professional support when you need it.
Real World Peace of Mind
Let’s be honest, the thought of a tenant stopping rent payments is stressful enough. But under the new legislation, with longer notice periods and more complex procedures, that stress is multiplied.
Imagine this scenario: A tenant stops paying rent in April 2026. Under the new rules, you need to wait for 3 months of arrears before beginning Section 8 proceedings for rent arrears. Factor in court processing times, the hearing itself, and then the bailiff process – you could easily be looking at 6-9 months without rental income.
With our rent protection service, you continue receiving your monthly rent throughout this entire period. Your mortgage gets paid, your investment is protected and we handle all the legal complexity on your behalf.
Taking the Complete Headaches Away
Rent protection is just one part of how we support landlords through these changes. Our comprehensive lettings management service means you don’t have to become an expert in the new legislation or handle complex procedures yourself.
We stay on top of all regulatory changes, ensure your properties meet new standards, handle all tenant communications and disputes and manage the entire letting process from start to finish. You get the rental income without the stress.
Whether you’re considering your first buy-to-let investment or have an established portfolio across Bolton, Horwich, Lancashire or Greater Manchester, now is the time to make sure you have the right protections in place.
Protecting Your Investment Starts Here
The rental landscape is changing, but your investment doesn’t have to suffer. With comprehensive rent protection and expert management from Roe & Co, you can continue to build your property portfolio with confidence.
Our rent protection service is available for all Roe & Co managed properties in Bolton and surrounding areas. It’s not just insurance – it’s peace of mind for the new rental era.
Ready to protect your rental income?
- Take a look at our comprehensive landlord lettings services
- We’re completely transparent – explore our Lettings Fees and Schedule
- Book a free rental valuation and protection consultation
- Read our complete guide: What Landlords Need to Know About the Renters’ Rights Bill
Don’t wait until the legislation comes into force. Get your protection in place now and face the future with confidence. Let Roe & Co take the worry out of being a landlord.
Roe & Co Residential Sales & Lettings – Award-winning letting agents in Bolton offering comprehensive landlord services, expert property management and leading rent protection. Fancy a chat on any of the above? Contact us here.