Well that's a load of bollocks...this is what really happens:
Insurance company state they have no record of you, you phone them on May 23rd, you don't find out till June 6th that you're not covered. So you write to the tenants asking them what their intentions are.
Your solicitor starts the ball rolling and you're advised not to have any further contact with the tenants, otherwise harassment charges could be made.
You decide you're not happy with the Insurance company so you make a complaint, they tell you that you are covered, you send them the email they sent you 3 weeks earlier telling you, that you're not covered, so you email them and say, you made a mistake, you refund my costs and they say, they're not responsible for costs incurred before you contacted them, so you tell them to re read the email of complaint that states you're not covered under the policy so having wasted 2 weeks you contact your own solicitor.
I'll let you know when I resolve THAT issue.
You then discover that your solicitor at the cost of £775 didn't submit the possession order on June 27th as they should have done and 2 weeks on you're still waiting as the courts are 'busy'.
Now that you're covered with the Insurance they inform you they'll take over and ask you to return endless forms. This solicitor seems a bit more realistic with a time scale of up to 5 months to get the house back and 1-3 years to recover costs.
it just gets even better..........
I discover my tenant has done this before, was evicted. The helpful local council have told him to stay put until the warrant for bailiffs is issued. If they leave early they won't qualify for housing. It's also public record (google tenants name and last known address) local paper runs story about theft and fraud and guess what...no reference check carried out on him. Yes, original agent is to blame.
I inform housing that I am homeless due to tenants not paying rent and refusing to move out and that I have a mortgage to pay that I can't afford. The council tell me I can apply for hostel accommodation.
There is post, post from Companies House, at my address, informing me a business is being operated from my there. I inform Companies House and they inform me that the tenants aren't the ones running the business it's a bloke from Birmingham. After a bit of googling I find several web sites where the company is listed and inform them all that the business has nothing to do with me and no permission was given to use my address and asked them to remove the listing.
...it gets even better as I'm informed by Action Fraud and Trading Standards that it isn't illegal to use someone else's address to register a company and Companies House informed me it's not their job to check that the business has permission from the property owner.
...but what finished me off was the suggestion from Trading Standards that I wrote to the Director and asked him what he was playing at.....I'll give it a go, but I suspect it'll be me opening the letter as I can assure you....I've never heard of him and he DOESN'T live at MY address.