Ceta has launched four wholesale rent guarantee products, arguing that longer possession timelines under the Renters’ Rights Act 2025 are increasing the risk of lost rental income for landlords.

The digital niche personal lines broker said the new range had been developed to help advisers support landlord clients as they adjust to changes brought in by the legislation.

Ceta said the median time to possession had risen to 27 weeks and claimed landlords were now facing a minimum of four months without rental income before Section 8 proceedings could begin.

It said this was likely to drive a sharp increase in both rent guarantee claim durations and legal expenses volumes in the coming months.

The new range comprises four A-rated products, underwritten by Addept, with premiums starting from £110.

The products offer a choice of 12-month or 18-month cover, each available with either no excess period or a two-month excess period.

Each policy also includes £50,000 of legal expenses cover.

Ceta said the launch of 18-month options reflected the need for policies that better match current possession timelines, as landlords contend with longer arrears thresholds and court delays.

James O’Hara, commercial director at Ceta, said: “Having the right protection in place against unpaid rent and tenant disputes is more important than ever. Standard 6-month cover is no longer sufficient; cover of 12-18 months is more aligned to the current possession timelines facing landlords, because of the potential for longer arrear thresholds and significant court delays.

“We’re therefore delighted to lead the market by providing intermediaries and their landlord clients with a range of flexible cover options that ensure cover remains accessible and aligned to the real-world impact of these far-reaching legislative changes.”

Richard Finnan, managing director at Addept, said: “Private sector landlords are facing significant disruption as a result of The Act. We’re delighted to support Ceta as they bring to market products designed to mitigate the legal risks and protect against rent arrears and repossession costs.

“It’s great to work with partners who, like us, have the expertise to move quickly and help intermediaries respond to the changing risk and regulatory environment of today’s rental market.”