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Zero Deposit is available through agents that we have partnered with.
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Frequently Asked Questions

How much does a Zero Deposit Guarantee cost?

A Zero Deposit Guarantee costs a tenant 1 week’s rent, so if your rent is £220 per week, that is the cost. The Zero Deposit Guarantee is automatically renewed on an annual basis. On renewal, there is a charge of £26 which covers the cost of managing the Zero Deposit Guarantee. Where there is a change of tenant under an existing Assured Shorthold Tenancy Agreement, the new incoming tenant will need to pay a £40 fee to be added to the Zero Deposit Guarantee.

When do I pay for the Zero Deposit Guarantee?

You will need to pay for the Zero Deposit Guarantee at the same time that you would normally be expected to pay the security deposit.

How do I use Zero Deposit when renting?

Zero Deposit is offered through letting agents that we have partnered with across the U.K.
Find the closest Zero Deposit partner agent to where you're looking to rent and ask them for Zero Deposit listings.

How much does it cost to cancel?

There is no cancellation fee, but you can only cancel within a 14 day cooling off period after purchasing the Zero Deposit Guarantee.

How does it work with multiple tenants?

Multiple tenants must take out a joint Zero Deposit Guarantee. They share the cost of the fees and any payment due to the landlord under the Assured Shorthold Tenancy Agreement for any financial loss or damage the landlord suffers. The tenants are all jointly and severally liable, meaning if one tenant doesn’t pay, the other tenants assume total liability for the entire amount due.

Who pays for the Zero Deposit Guarantee?

The Zero Deposit Guarantee is paid for by the tenant.

What happens at the end of the Assured Shorthold Tenancy Agreement if I cause damage or don’t pay my rent?

You settle this with the landlord directly at the end of the tenancy. If you don’t, we pay them on your behalf and then collect any monies owed from you. We may engage the services of a debt collection agency in order to recover any such monies and you may be liable for their cost.

What happens if I don’t pay you?

It is important that you do. If you do not we may pass your debt to a debt collection agency which could affect your credit rating. You may also be liable for the costs we incur engaging the debt collection agency.

What if I disagree with the amount being claimed by the landlord?

We refer your case to The Dispute Service (TDS), our expert evaluation partner, who will review the evidence and determine whether you are liable for any financial loss or damage under the Assured Shorthold Tenancy Agreement and, if so, the amount due to the landlord.

How do I know that I can trust Zero Deposit?

Integrity is one of the core values of our business. Zero Deposit Guarantees are provided by Great Lakes Insurance SE, which is regulated by the German Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority which means there are safeguards in place to help ensure you get a fair and transparent product with no hidden risks.

Will a dispute over a claim be resolved fairly?

We have partnered with The Dispute Service (TDS) to help ensure fair outcomes for landlords and tenants in the event of a dispute. All TDS adjudicators belong to the Chartered Institute of Arbitrators and comply with their Adjudicator Code of Conduct, which is available on the TDS website. The adjudicators make decisions based on the issues in dispute and the evidence provided.

What if I extend my stay at the property beyond the initial tenancy period?

The Zero Deposit Guarantee will automatically renew if your tenancy agreement is extended and we charge an annual administration fee of £26 on renewal.

What if a landlord does not accept Zero Deposit?

You will need to provide a traditional tenancy deposit. It is a landlord’s choice to decide whether to allow Zero Deposit as an option in place of a traditional tenancy deposit.

What happens with multiple tenants when one person decides to leave?

When we are informed that a tenant is released from a multi-tenant agreement, we will update the Zero Deposit Guarantee to reflect the change and re-issue guarantee documentation. Any new tenants moving into the property will need to be added to the Zero Deposit Guarantee and will need to pay an administration fee of £40 to do this.

Do I get my fee back when I leave at the end of the tenancy if there are no issues?


Do you offer services to vulnerable customers?

“Customer vulnerability” is defined as any personal, social or other factor(s) that may impact your ability to exercise informed decision making, rendering you vulnerable to suggestion and/or impacting your confidence to lend or borrow. Below we have outlined a broad range of vulnerable circumstances and situations including, but not limited to:

Illness/Sickness – This could be due to a short-term condition or something of a longer-term nature such as recuperating from medical conditions.

  • Physical Disability – The broad nature of disability encompasses a number of forms including but not limited to: deafness, blindness, and the restriction of limb use or mobility. All of these are factors which may impact your ability to purchase a guarantee through Zero Deposit.
  • Bereavement - Loss of a partner, relative or close friend may temporarily render you susceptible or vulnerable, something which may impact rational decision making.
  • Mental Capacity - This applies to customers who may suffer from any form of mental incapacity, which again may impact your ability to purchase a guarantee.

We cater to vulnerable customers. If you feel one of the above might be applicable, you can contact us here or call and a member of the team will be able to assist you.

Will Zero Deposit ever request my password or other security details?

We will never ask for your password or login details. If you receive any request for this information, kindly report it to us at

Ensure you do not use a password that can be easily guessed and never use the same password for multiple websites for which you are registered to use. Be minimalist with the amount of personal information you share about yourself online, to help reduce your risk of identity theft and fraud. Always update your computer, tablet and smartphone’s operating system and web browser software. We recommend you use anti-virus software to protect your devices.

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