Income protection
A monthly income if illness or injury stops you working.
Suits: Paying the rent
Cover for people who rent
Protection for renters
No mortgage doesn’t mean no bills. Cover that keeps the rent paid if you can’t work, and looks after whoever you live with if you die.
A few minutes online. No sales calls, and no fee from us.
Choose the right cover for you.
There’s no special renters’ policy. These are the ones that do the job.
Life insurance
A lump sum for the people who rely on you, if you die.
Suits: Families, and couples sharing the rent
Critical illness cover
A lump sum if you’re diagnosed with a serious illness.
Suits: Time off to recover
Family income benefit
A monthly income for your family, if you die during the term.
Suits: Covering the rent and the bills
For the self-employed
No sick pay to fall back on, so your cover does the job.
Suits: Freelancers and sole traders
Why get it through Croaked?
We compare, you choose. Quotes from a panel of UK insurers, side by side, in plain English.
Only what you need. Renting changes what’s worth having. We’ll help you skip what isn’t.
No fee from us. The insurer pays us if you take a policy. It doesn’t add to your premium.
No sales calls, ever. Do it all online. Call us only if you want to.
Cover from names you know.
Compare a panel of recognised UK insurers through one clear, straightforward application.
How it works.
Three steps, online, with a person on the phone if you want one.
Step 1Tell us about you.
Your job, your rent, who you live with, and what you’d want covered.
Step 2Compare your quotes.
See the prices and the differences side by side, and choose the one that fits.
Step 3Apply, and you’re covered.
The insurer checks your answers, sometimes with your doctor. Cover starts the day they accept you.
Renters’ questions.
Short answers to what people who rent ask most.
Do I need cover if I rent?
If you’d struggle to pay the rent without your income, income protection is worth a look. If someone shares the rent or relies on you, so is life insurance.
Is this contents insurance?
No. Contents insurance covers your things. This covers your income, and the people who rely on it.
What happens to the tenancy if I die?
It depends on the tenancy. A joint tenant usually carries on, and is then responsible for the whole rent. A payout can help them do that.
How much cover do I need?
For income protection, enough to cover the rent and the essentials. For life cover, enough for the people you leave to find their feet. We’ll help you work it out.
Do I need it if I get sick pay?
Check how long it lasts. Statutory Sick Pay is much less than most people’s rent, and many employers only pay more for a few months.
Already have a policy?
Claims and changes are handled by your insurer: their number is on your policy documents. If you arranged it through us, call us on 01302 590 852 and we’ll help you find the policy and the right people.
For a claim, it helps to have:
- The policy number
- A fit note, a death certificate or the doctor’s report
- Proof of your earnings, for income protection
- Bank details for the payment
Claim through the insurer
Their claims number and online form are in the policy documents. Most claims start with one call, and they’ll guide you from there.
Ask us to help
Can’t find the policy, or the insurer? Call us on 01302 590 852 and we’ll find it with you.
Useful information
Changing your mind
You have 30 days after your policy starts to cancel for a full refund of anything you’ve paid.
If an insurer fails
Protection policies are covered by the Financial Services Compensation Scheme (FSCS), which covers 100% of a claim if an insurer can’t pay. See fscs.org.uk.
Help with the rent
If you’re struggling now, you may be able to get help with housing costs. See gov.uk and MoneyHelper.
Still need support?
Ask a real person anything about cover when you rent. Nobody will try to sell you anything, and there’s no fee from us.
Monday–Thursday 9am–7pm, Friday 9am–3pm
