Even if your tenant does not pass referencing, Rent Guarantee Insurance (RGI) may still be available for their tenancy.

To be eligible for Rent Guarantee Insurance, all tenants must be referenced through OpenRent against our ID, credit and affordability criteria. Affordability can be met by a tenant alone, by the tenants' combined income, or by a guarantor covering a tenant's share. 

A tenant who fails our credit criteria, or who has no credit history, may still be covered where a qualifying guarantor is in place.

For tenancies with multiple tenants, every tenant's share of the rent will need to be covered either by a tenant or guarantor(s) who passed referencing.

Multiple guarantors can be added to the application to cover any shortfalls in rent share affordability.

Where there is only one tenant then the guarantor must be able to cover the entire monthly rental amount.

You can purchase guarantor referencing here.

If the tenant is unable to provide a UK-based guarantor, RGI will not be available for your tenancy.

You can find more information how to proceed when a tenant has failed referencing here:

Can I let to a tenant who fails referencing?