Who you are
Your identity and, if it applies, your right to rent. The evidence goes on your file so you aren't asked for it twice.
For tenants
Contents insurance for your new home, sorted in minutes
Optional tenants contents insurance from a panel of leading UK insurers, for any rented home in the UK. Your price in about two minutes, paid monthly by Direct Debit, and you can cancel any time. Been asked to complete a Blinc reference? That's explained below too.
What the cover gives you
£10,000 contents cover, new for old
Furniture, appliances, electronics, clothes and everything else you keep at home, after fire, flood, storm, escape of water or theft. Your landlord's insurance covers the building, not any of it.
Your deposit, protected
Tenant liability up to £10,000 for accidental damage to your landlord's fixtures, fittings and furniture. The spilt wine on their carpet is a claim on your policy, not a deduction from your deposit.
Monthly, and you can cancel any time
One monthly price including Insurance Premium Tax, by Direct Debit, from a panel of leading UK insurers. You have 14 days to change your mind, and the documents are there to read before you pay.
Your reference
Three steps, on your phone, with nothing to print
Everything is pulled from the source: your identity provider, your bank or HMRC, and the Land Registry. No photographing payslips, no waiting for an employer to write back.
You don't need an account for your reference.
It starts from the link your agent or landlord sent you, so open that email or text and follow it. Can't find it? Ask them to resend it, or call 03333 441300.
- 01
Follow the link we send you
Your agent or landlord adds you, and we email and text you a link. There's no account to create and no password. It works on your phone, and most people finish in 15 to 20 minutes. Stop part-way and your answers are saved.
- 02
Show us it's you
A photo of your passport or ID and a quick selfie, checked by a certified identity provider. If you need to prove your right to rent in England, you give your Home Office share code in the same step. British and Irish passports cover it.
- 03
Show your income, and where you've lived
Connect your bank, read-only, and your income and rent affordability come through in seconds. Or sign in to HMRC and your employer and pay are confirmed from your own record. Then your addresses, and your current or previous landlord if we need them.
What we check, and why
A fair reference, built from real data
A reference built from verified data is quicker for you and harder to argue with, which is why agents and landlords trust it.
That the rent is affordable
Your income against the rent, from your bank or HMRC rather than payslips. If it falls short, a guarantor can back you.
Your credit history
Public credit information such as CCJs and insolvency, tied to your verified identity. Everyday borrowing isn't a problem on its own.
How your last tenancy went
Where you've lived, and a word from your current or previous landlord. We chase them for you.
A guarantor, if one is needed
Someone who agrees to pay if you can't, often a parent. They get their own link and the same short set of steps.
The result, to the people who asked
Your agent or landlord sees the outcome and the evidence behind it. You see your progress as each step completes.
Recent reviews
What tenants say about being referenced by Blinc
Recent public reviews from applicants, via Trustpilot and Google.
I was impressed with the service. Firstly the simplicity of the platform, clear plain English instructions, intuititive and easy to follow. The automatic upload was greaty. Of course, you cant always account for human error, i.e. me missing a document, this was really efficiently communicated to me, I responded and the job was completed. Fast, straightword and stress free in a stressful time. Top marks, thank you.
Just wanted to say a huge thank you to the Blinc Referencing team. They were really helpful, informative and were able to help guide a vulnerable older lady through referencing with ease (passed refs in just over 24hours), where other agents had stayed away from her. Again huge thank you and your patience.
I was really pleased with how smooth it was. The online form was simple to fill in and didn't take long. They kept me updated at each stage, so I always knew where things stood.
Questions
Tenants ask us
- Do I have to buy the contents insurance?
- No. Contents insurance is optional and is not a condition of your tenancy or your referencing application. Say no thanks and we won't ask again on screen.
- Who is the insurer?
- Your quote comes from a panel of leading UK insurers, and the one that quotes you is named on your price and on your documents. The insurance is arranged by Paymentshield Limited, which is authorised and regulated by the Financial Conduct Authority.
- How much does contents insurance cost, and can I cancel?
- It depends on your home and the cover you choose. You'll see a monthly price, including Insurance Premium Tax, before you type anything, and the exact price once you've confirmed a few details. You have 14 days from receiving your documents to cancel for a full refund, and because you pay monthly you can cancel at any time after that.
- I'm not mid-reference. Can I still get a contents quote?
- Yes. Sign in to your Blinc account, or create a free one, open Products and choose contents insurance. You'll answer the same short set of questions, with nothing pre-filled. Cover is for any rented home in the UK.
- Do I need an account to complete my reference?
- No. Your reference starts from the link your agent or landlord sent you, so open that email or text and follow it. Can't find it? Ask them to resend it, or call us.
- What if I can't connect my bank?
- Connecting your bank is the fastest route, because your income and affordability come through instantly, but it isn't the only one. You can sign in to HMRC so your pay is confirmed from your own record, or share your payslips or tax documents and our team will check them.
- Who sees my information?
- The agent or landlord who asked for the reference sees the outcome and the evidence they need to decide. Your bank connection is read-only and used for the reference. You see your own progress as each step completes.
Blinc-UK Ltd is an appointed representative of Brian Johnston & Co (Insurance Brokers) Limited, which is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 307689. Tenants contents insurance is arranged by Paymentshield Limited, which is authorised and regulated by the Financial Conduct Authority. Cover is optional and is not a condition of your tenancy or your referencing application. We have not given you advice or a personal recommendation about this insurance. You should decide for yourself whether the cover meets your needs. Read our Insurance Terms of Business, or call 03333 441300 with any questions.
Get covered before you move in
See your monthly price in about two minutes. Optional, paid monthly by Direct Debit, and you can cancel any time.