UK Landlord Forum / Life

Hi, I'm new to this forum but would be extremely grateful for any advice. My tenant has been served with a section 21: he wants to leave but is waiting for a formal eviction so as to claim himself homeless and be rehoused in a bedsit/flat. His rent is still being paid and he keeps the house spotless (OCD). My problem is that because his tenancy has ended it is causing difficulty trying to get the house insured. Do I have to state there is no tenancy agreement in place? Every time this particular question arises I seem to hit a brick wall. Never had this problem before so I'm not sure what to do. Thanks in advance for any help.

How has the tenancy ended?

You can't serve a s21 notice if a tenancy has ended already, so I don't think there's any issue with your insurance.

It's worth pointing out that the temporary accommodation that local authorities have available when people are evicted is mostly awful and for someone with OCD it would be particularly horrible.

Quote from: Hippogriff on November 20, 2024, 04:08:28 PMHow has the tenancy ended?

His 12month tenancy ended last January. He knew it wasn't going to be renewed due to the fact we want to sell it. We've given him plenty of notice but he won't leave until he has alternative accommodation. I've spoken to his housing case worker and she said we need to go through the court.

There is still a tenancy. So there's nothing to tell your insurance company.

Quote from: MaryHC on November 22, 2024, 01:21:59 PMI've spoken to his housing case worker and she said we need to go through the court.

You're demonstrating a comical misunderstanding of the situation at-hand.

Sure, you may have served a Section 21. That doesn't end a tenancy, or expire it. His "12month" also didn't end "last January" either. The fixed term of the tenancy came to an end. If the Tenant left at that time, the tenancy would have ended - they didn't so it didn't.

You have an ongoing tenancy that you don't want.

Plenty of Landlords end up in this situation... they're not happy, but the start of your question is about Insurance, which seems to have no relevance here (to us).

What you have to ask yourself is... why do you think a renewal matters at all and would you move out if you didn't have alternative accommodation?

Quote from: Hippogriff on November 22, 2024, 04:03:33 PM

Quote from: MaryHC on November 22, 2024, 01:21:59 PMI've spoken to his housing case worker and she said we need to go through the court.

You're demonstrating a comical misunderstanding of the situation at-hand.

Sure, you may have served a Section 21. That doesn't end a tenancy, or expire it. His "12month" also didn't end "last January" either. The fixed term of the tenancy came to an end. If the Tenant left at that time, the tenancy would have ended - they didn't so it didn't.

You have an ongoing tenancy that you don't want.

Plenty of Landlords end up in this situation... they're not happy, but the start of your question is about Insurance, which seems to have no relevance here (to us).

What you have to ask yourself is... why do you think a renewal matters at all and would you move out if you didn't have alternative accommodation?

I was hoping someone would have advice regarding landlord insurance when the tenancy agreement has expired because when I apply the question always arises 'does the tenant have a valid tenancy agreement?' Sorry if I'm on the wrong forum but thanks for taking the time to reply.

The answer to the question is "yes" because you are operating under the misapprehension the Tenant doesn't have a valid Tenancy Agreement. They do. Therefore - for the umpteenth time - the answer is "yes".

Comical and frustrating.

Quote from: jpkeates on November 22, 2024, 01:43:36 PMThere is still a tenancy. So there's nothing to tell your insurance company.

Quote from: jpkeates on November 22, 2024, 01:43:36 PMThere is still a tenancy. So there's nothing to tell your insurance company.

Thanks for your succinct reply.