Pet Damage Insurance for Tenants in the UK: What It Covers, What It Does Not, and Who Actually Pays
Since 1 May 2026 a landlord in England cannot require you to buy pet insurance as a condition of keeping a pet. That single change rewrites most of the advice published before the Renters’ Rights Act came into force. What remains true is that if your pet damages the property, the money comes from somewhere — usually your deposit — and whether an insurance policy helps depends entirely on wording most tenants never read.
This guide separates the four different products people call “pet insurance”, explains which one can actually respond to damage in a rented home, and sets out the evidence that decides deposit disputes in practice.
This is general information for renters and landlords, written with an England private-renting focus. It is not legal, financial or insurance advice, and it is not a recommendation of any policy or insurer. Policy wording, tenancy type, tenancy dates and the nation you rent in all change the answer. For a live deposit dispute, court claim or possession notice, get advice from a qualified housing adviser.
The short version
- Your landlord cannot make you buy pet insurance. The pet-insurance clause was removed from the Renters’ Rights Bill before it became law. Requiring a tenant to pay for it, or to reimburse the landlord’s own policy, is a prohibited payment under the Tenant Fees Act 2019.
- There is no separate “pet deposit” in England. The deposit cap stays at five weeks’ rent (six weeks where annual rent is £50,000 or more). A pet does not unlock a bigger deposit.
- Ordinary pet insurance almost never covers the landlord’s property. It is health cover for the animal. Damage to carpets, doors, flooring and fixtures needs tenant liability or accidental damage cover, which usually sits inside contents insurance.
- You are liable for damage regardless of insurance. Cover is a way of funding a loss, not a way of avoiding responsibility for it.
- A landlord cannot recover the same loss twice. If an insurer pays for a scratched door, the deposit cannot also be charged for that door.
- Evidence decides deposit disputes, not arguments. Dated check-in photos, a signed inventory and check-out photos beat any amount of correspondence.
What actually changed on 1 May 2026
The Renters’ Rights Act 2025 received Royal Assent in October 2025 and its first commencement phase took effect on 1 May 2026. Two of its provisions matter here.
First, the right to request a pet. A tenant on a relevant private tenancy in England can now ask, in writing, to keep a pet. The landlord must reply in writing and cannot unreasonably refuse. The standard response window is 28 days. That window can be extended in two situations: if the landlord reasonably asks for more information about the pet within the original 28 days, the deadline moves to 7 days after you supply it; and if the landlord needs consent from a superior landlord and requests it within the original 28 days, the deadline moves to 7 days after that response arrives.
A blanket “no pets” clause is no longer enough on its own. A vague worry about possible damage is not a reasonable refusal either. Refusals that are more likely to hold up include a genuine superior lease or freehold prohibition, a property that is unsuitable for the specific animal, or a legitimate animal welfare concern.
Second, and less widely reported, the pet insurance provision was dropped. Earlier drafts of the Bill would have let landlords require tenants to take out pet damage insurance, or to reimburse the landlord for taking out their own. The Government tabled amendments removing that power before Report Stage in the House of Lords, on the reasoning that the existing deposit is sufficient to cover damage. It did not return in the final Act.
The practical consequence is stronger than most guidance published in 2025 suggests. Because there is no statutory permission for it, a requirement to pay for pet insurance falls back under the Tenant Fees Act 2019, which bans any payment in connection with a tenancy that is not on the permitted list. Rent, a capped deposit, a capped holding deposit, utilities, council tax, a TV licence, communications services and certain default fees are permitted. Pet insurance is not.
| What a landlord asks for | Position in England from 1 May 2026 |
|---|---|
| “You must buy pet damage insurance” | Not permitted as a condition. Likely a prohibited payment under the Tenant Fees Act 2019. |
| “Pay me back for my landlord pet cover” | Not permitted. Reimbursing the landlord’s insurance is a payment in connection with the tenancy. |
| “Pay an extra pet deposit” | Not permitted above the statutory cap. There is no separate pet deposit in England. |
| “Pay a monthly pet rent” | Legally untested and contentious. Ask for the basis in writing before agreeing to anything. |
| “We’d prefer you had cover” | A preference, not a requirement. You may still choose to buy it — on your own terms. |
| “You’ll be charged for pet damage at the end” | Correct, and unchanged. Liability for damage is normal, and comes out of the deposit with evidence. |
If a letting agent has put a pet insurance requirement in a tenancy agreement or advert, that is worth challenging in writing before you sign. Our rental advert compliance checklist covers the wording to look for, and the landlord letter generator will draft the query.
Four different products are sold as “pet insurance”. Only two can help you.
Most confusion in this area comes from one word covering four unrelated products. Before buying anything, work out which one you are actually looking at.
| Product | What it is really for | Does it pay for damage to the landlord’s property? |
|---|---|---|
| Pet health insurance | Vet bills: illness, injury, surgery, medication. Sometimes third-party liability for dogs is bundled in. | No — except where a dog liability section applies to injury or third-party property, which is a narrow route. |
| Tenant liability cover | An add-on to contents insurance covering damage you are legally responsible for to the landlord’s fixtures, fittings and furnishings. | Usually yes, if pets are not excluded. This is the section that matters. |
| Accidental damage cover | An extension to contents insurance for sudden, unintended one-off damage. | Sometimes — but pet and chewing damage is one of the most commonly excluded categories. |
| Landlord’s own insurance | The landlord’s buildings and contents policy, which they pay for. | It may pay the landlord. It does not protect you, and the insurer may pursue you for the cost. |
If a landlord or agent says “get pet insurance”, they almost always mean the second row — tenant liability — even though the phrase points at the first. Buying a pet health policy to satisfy that request achieves nothing for either of you.
Put the request in writing first
Insurance questions only arise after a pet request. Getting the request, the response and any conditions in writing is what protects you later — both from an unreasonable refusal and from a disputed deduction at the end of the tenancy.
What insurers actually mean by “accidental damage”
This is where most claims fail. In insurance wording, accidental damage means damage that is sudden, unintended and unexpected — a single identifiable event. A dog knocking a candle onto a carpet is an event. A puppy chewing a skirting board over three weeks is not; it is a gradual process, and gradual damage is excluded by nearly every policy.
The distinction insurers apply, and the one deposit adjudicators tend to mirror, looks like this:
| Scenario | Likely classification | Realistic outcome |
|---|---|---|
| Dog knocks over a lamp, which cracks a tiled floor | Sudden, one-off event | Most likely to be covered under accidental damage, if pets are not excluded. |
| Puppy chews a door frame over several weeks | Gradual damage | Almost always excluded. Comes out of the deposit. |
| Cat scratches the same sofa arm for a year | Gradual damage / wear | Excluded by insurers. Disputed at deposit stage — see wear and tear below. |
| One-off urine staining on a carpet | Contentious | Depends on wording. Many policies exclude damage by animals you own. |
| Dog digs up the lawn and borders | Gradual, and often outside the insured area | Rarely covered. Garden condition is usually a tenancy obligation instead. |
| Dog bites a visitor in the property | Third-party liability | Possibly covered by a liability section — see below. |
Read the exclusions before the summary. Policy summaries and comparison-site tables are marketing documents; the schedule and full wording are the contract. The three phrases to search for are “damage caused by domestic animals”, “wear, tear and gradual deterioration”, and “landlord’s fixtures and fittings”.
Dog bites and third-party liability
A dog bite is a different legal problem from a chewed door, and it is worth understanding separately because the sums involved are much larger.
Under the Dangerous Dogs Act 1991, as amended, it is a criminal offence to allow a dog to be dangerously out of control anywhere, including inside a private home. That extends to the person the dog is with at the time, not only the registered owner. Separately, the Animals Act 1971 can make a keeper civilly liable for damage caused by an animal in defined circumstances, which is the route most compensation claims take.
Where insurance may respond, it is through a third-party liability section — found either in a dog-specific pet policy or in the personal liability section of contents or renters insurance. Points that commonly catch people out:
- Liability cover often excludes injury to members of your own household, so a bite to a partner or child living with you may not be covered.
- Breeds listed under the Dangerous Dogs Act are typically excluded outright, and some insurers extend that list.
- Cover can be void if the dog was not on a lead or muzzled where the policy or a Community Protection Notice required it.
- A conviction or a control order can affect both current cover and future renewal.
- Incidents involving a working or guard dog are usually outside a domestic policy entirely.
If a bite happens, record the date, place, circumstances and any witnesses immediately, and notify your insurer even if you think you will not claim — late notification is itself a ground for declining. If a landlord raises it as a possession issue, our section 8 grounds overview explains where antisocial behaviour and nuisance grounds sit.
Who actually pays for pet damage
Strip away the insurance question and the order of recovery in a normal English tenancy is fairly predictable.
- You are liable first. Almost every tenancy agreement requires the tenant to return the property in the same condition as at the start, allowing for fair wear and tear. Damage caused by a pet you were permitted to keep is still your damage.
- The deposit is the normal mechanism. At the end of the tenancy the landlord proposes deductions, evidenced against the check-in inventory. If you agree, the scheme releases the money. If you do not, the disputed portion goes to free adjudication.
- Insurance only enters if a policy responds. Your tenant liability or accidental damage cover may pay the repair, subject to the excess. That does not stop the landlord charging you — it changes where you get the money from.
- The landlord’s own insurance is not your protection. If the landlord claims on their policy, the insurer may exercise subrogation rights and pursue you directly for the amount paid out.
- Beyond the deposit, it becomes a civil debt. If damage exceeds the deposit, the landlord can pursue the balance through the small claims track. They still have to prove the loss.
The double-recovery rule matters. Government guidance is explicit that a landlord must not recover the same loss twice — for instance by claiming on insurance and deducting the same amount from the deposit. If you suspect this has happened, ask directly and in writing whether an insurance claim has been made for the item, and say that you are asking to avoid duplicate recovery. Adjudicators take that point seriously.
Fair wear and tear versus damage — where deposits are actually won and lost
Deposit adjudicators do not award the cost of a new item for a worn old one. They apply betterment: a landlord should not end up better off than before. A five-year-old carpet with a two-year remaining life does not get replaced at your expense; at most you contribute towards the lost residual life.
| Item | Typical treatment | What tips it towards a deduction |
|---|---|---|
| Carpet, light flattening and thinning on a path | Fair wear and tear | Localised staining, burns, tears, odour that survives professional cleaning. |
| Carpet, pet urine odour | Damage | Confirmed by check-out report; underlay contamination usually needs replacement, apportioned for age. |
| Scratches on internal doors | Damage | Depth and number. Light surface marks may pass; through-paint gouges will not. |
| Chewed skirting or door frames | Damage | Almost always chargeable. Repair cost, not replacement of the whole run. |
| Garden dug up or lawn destroyed | Depends on the agreement | Chargeable if the tenancy required the garden to be maintained and check-in photos show it intact. |
| General pet smell | Contentious | Needs objective evidence — a check-out report noting it, or a professional cleaning invoice. |
| Fleas or infestation | Damage | Usually chargeable where the property was let free of infestation and treatment is documented. |
Two things move an adjudication more than anything else: whether the check-in inventory recorded the item’s condition properly, and whether the landlord has an invoice rather than an estimate. A quote for work never carried out is weak evidence of loss.
The evidence that decides it
If you take one practical step from this page, make it this one. Build the record at the start, not at the end.
When the pet moves in
- Photograph every room, floor, door, skirting board and soft furnishing, with the date visible in the file metadata. Wide shot then close-up.
- Photograph the garden, lawn, borders and fencing if there is outdoor access.
- Save the check-in inventory as a PDF and read it. If it says “carpet: good condition” but there is already a stain, say so in writing within the objection window.
- Keep the written pet request, the landlord’s written response, and any conditions attached to consent.
During the tenancy
- Report anything that breaks promptly and in writing, even if you intend to fix it yourself.
- Keep receipts for professional carpet cleaning, pest treatment or repairs you arrange.
- Photograph any damage when it happens, not months later. Contemporaneous photos carry far more weight.
- If you buy tenant liability cover, save the schedule and full wording, not just the certificate.
At check-out
- Clean and treat before the final inspection, and keep the invoice.
- Photograph everything again from the same angles as your check-in set. Matching pairs are persuasive.
- Take final meter readings and photograph them.
- Ask for the check-out report and compare it line by line against the check-in inventory.
Our evidence log builder turns those items into a dated chronology you can attach to a scheme dispute, and how to build a rental evidence log explains the structure adjudicators find easiest to follow.
If a pet damage deduction is proposed
- Check the deposit is protected. If it was never protected in an approved scheme, or the prescribed information was never given, that is a separate and serious issue. Use the deposit protection checker and read deposit protection checks in England.
- Ask for an itemised breakdown. Each item, the amount, and the evidence relied on. A single line saying “pet damage £600” is not a breakdown.
- Ask for invoices, not estimates. And ask for the age of the item being charged for, so betterment can be applied.
- Ask whether an insurance claim has been made. In writing. This is the double-recovery check.
- Agree the parts you accept. Undisputed amounts can be released while the rest goes to adjudication. There is no advantage in disputing everything indiscriminately.
- Use the scheme’s free adjudication. TDS, DPS and mydeposits all run one. It is free, decided on documents, and you do not need a solicitor.
- Submit a chronology, not a narrative. Dated evidence, item by item, matched to the check-in inventory.
The tenancy deposit scheme FAQs cover timescales and what each scheme expects. If the landlord has also failed on protection or prescribed information, prescribed information requirements explains what that means for any claim.
If you decide to buy cover anyway: a wording checklist
Buying tenant liability cover can be sensible even though no one can require it of you — particularly with a large dog, a puppy, or an expensively furnished let. Before you buy, get answers to these in the policy wording:
- Does the policy cover the landlord’s fixtures, fittings and furnishings, or only your own belongings?
- Is damage caused by pets you own specifically excluded anywhere in the wording?
- Is accidental damage included as standard, or is it a paid add-on?
- Is chewing, scratching, soiling or gnawing named as an exclusion?
- What is the excess per claim, and is there a separate higher excess for pet claims?
- Is there a single-item limit that would cap a carpet or flooring claim?
- Does a liability section cover injury to third parties, and does it exclude your own household?
- Are any breeds excluded, and does that list go beyond the Dangerous Dogs Act?
- Is the property type covered — HMO, shared house, room-only let, student accommodation?
- How long do you have to notify a claim, and does the insurer require photographs?
- Will the insurer deal with the landlord directly, or reimburse you after you have paid?
- Does the policy exclude damage occurring while the property is unoccupied beyond a set number of days?
Ask the insurer for the answers in writing, by email, and keep them. If a claim is later declined on a point they told you was covered, that email is your route to the Financial Ombudsman Service.
Six mistakes that cost tenants money
- Buying pet health insurance to satisfy a landlord. It covers vet bills. It will not pay for a chewed door, and it satisfies nothing.
- Agreeing to a pet insurance requirement in the tenancy agreement. Since 1 May 2026 that requirement is not permitted in England. Query it before you sign.
- Getting verbal permission for the pet. Without a written request and written response, you have no record of what was agreed — and you lose the protection of the 28-day rule.
- Skipping the check-in photographs. Almost every deposit dispute that a tenant loses is lost here, at the start of the tenancy.
- Assuming the deposit is the ceiling. It is not. Damage above the deposit can be pursued as a civil debt.
- Disputing every deduction on principle. Adjudicators respond to precision. Concede what is fair and fight what is not.
Outside England
The pet request framework and the removal of the insurance requirement described above are provisions of the Renters’ Rights Act 2025, which applies to England. If you rent elsewhere in the UK, the tenancy framework is different:
- Wales — occupation contracts under the Renting Homes (Wales) Act 2016. Deposit and fee rules follow the Renting Homes (Fees etc.) (Wales) Act 2019.
- Scotland — private residential tenancies, with deposits capped at two months’ rent and held in an approved Scottish scheme.
- Northern Ireland — private tenancies under the Private Tenancies Act (Northern Ireland) 2022, with its own deposit and notice rules.
The insurance analysis in this guide — what the four products cover, what accidental damage means, how betterment works — is not England-specific and applies across the UK. The statutory pet request right, the fee ban detail and the deposit caps are.
Sources and further reading
- Renters’ Rights Act 2025 — legislation.gov.uk
- Renters’ Rights Act: overview for tenants — GOV.UK
- Tenant Fees Act 2019 — legislation.gov.uk
- Shelter Legal: pets in private rented accommodation
- House of Commons Library: can my landlord prevent me from keeping a pet? (England)
- GOV.UK: tenancy deposit protection
- Dangerous Dogs Act 1991 — legislation.gov.uk
- Financial Ombudsman Service — for declined insurance claims
Pet damage insurance for tenants: frequently asked questions
Get clear answers to the most common pet damage insurance for tenants questions, including pet damage insurance UK, landlord pet damage cover and tenants liability insurance.
Can my landlord force me to buy pet insurance in England, and how does that affect pet damage insurance for tenants?
No. The provision that would have allowed it was removed from the Renters’ Rights Bill before it became law. Because there is no statutory permission, requiring you to pay for pet insurance — or to reimburse the landlord’s own policy — is a prohibited payment under the Tenant Fees Act 2019. A landlord can express a preference; they cannot make it a condition.
Pro tip: keep this with the rest of your tenancy paperwork and your notes on landlord pet damage cover — pet damage insurance disputes are decided on dates and documents, not on who sounds more reasonable.
Can a landlord charge a separate pet deposit, and how does that affect pet damage insurance for tenants?
Not in England. The deposit cap is five weeks’ rent, or six weeks where the annual rent is £50,000 or more, and there is no additional pet deposit. An amendment proposing a separate pet damage deposit of up to three weeks’ rent was discussed but was not adopted into the final Act.
Pro tip: if you searched “does my insurance cover pet damage to a rental” to get here, this is the part that matters: note the date, who said it and what was actually agreed.
Pet damage insurance for tenants: does ordinary pet insurance cover damage to my rented home?
Almost never. Pet insurance is health cover for the animal — vet bills, illness, injury. Damage to the landlord’s carpets, doors, flooring or fixtures needs tenant liability cover or accidental damage cover, which normally sit inside a contents policy, and even then pet damage is a common exclusion.
Pro tip: save a dated copy of anything about pet clause tenancy before you reply, so your pet damage insurance timeline is complete if it is ever challenged.
My dog chewed a door frame. Will insurance pay — how does pet damage insurance for tenants deal with it?
Probably not. Chewing happens gradually, and gradual damage is excluded by nearly every policy. Accidental damage cover responds to sudden, one-off, unintended events. This would normally come out of your deposit, with the cost apportioned for the age and condition of the item.
Pro tip: pair this with a check on tenants liability insurance — the two questions almost always come up together in pet damage insurance cases.
Does renters insurance cover dog bites — what does this change about pet damage insurance for tenants?
It may, through a third-party liability section — but check three things. Injury to members of your own household is often excluded; breeds listed under the Dangerous Dogs Act are usually excluded; and cover can be lost if the dog was not restrained where it was required to be. Notify the insurer promptly even if you are unsure about claiming.
Pro tip: keep the paperwork covering premium in the same file as your tenancy agreement so nothing has to be reconstructed later.
Pet damage insurance for tenants: can a landlord claim on insurance and also keep my deposit for the same damage?
No. A landlord must not recover the same loss twice. If you think it has happened, ask in writing whether an insurance claim has been made for the specific item, and raise the point in any scheme adjudication. Adjudicators take double recovery seriously.
Pro tip: people often search “does my insurance cover pet damage to a rental” at this point; the safest next step is to confirm tenants liability insurance in writing before any deadline passes.
How long does a landlord have to answer a pet request when it comes to pet damage insurance for tenants?
28 days from your written request, with a written reply. That extends to 7 days after you supply further information if the landlord reasonably asked for it within the original 28 days, or 7 days after a superior landlord responds if their consent was sought within that window.
Pro tip: note the exact date this happened. Under the current England rules, pet damage insurance outcomes often turn on timing rather than on the wording used.
What counts as an unreasonable refusal when it comes to pet damage insurance for tenants?
A blanket “no pets” policy and a general worry about damage are not enough on their own. A genuine superior lease or freehold prohibition, a property that is genuinely unsuitable for that animal, or a real animal welfare concern are more likely to be reasonable. The pet refusal response checker works through the specific reasons given.
Pro tip: if anything here is disputed, ask for it in writing and keep the reply — written confirmation about landlord pet damage cover is worth far more than a phone call.
Pet damage insurance for tenants: I already signed an agreement requiring pet insurance. What now?
Raise it in writing with the landlord or agent, referring to the Tenant Fees Act 2019 and the fact that the pet insurance provision was not carried into the Renters’ Rights Act. If you have already paid, prohibited payments are generally recoverable, and your local council’s trading standards team enforces the Tenant Fees Act. Get advice from Shelter or Citizens Advice before escalating.
Pro tip: check pet damage insurance UK at the same time; getting both right first time avoids having to redo the whole pet damage insurance process.
Is pet insurance worth buying anyway, and does it change pet damage insurance for tenants?
That is your decision, not your landlord’s. Tenant liability cover can be worth it with a puppy, a large dog or a heavily furnished let — but only if the wording covers the landlord’s property and does not exclude pets. Work through the wording checklist above before buying, and get the insurer’s answers in writing.
Pro tip: confirm the position on wear and tear against the official source linked on this page rather than relying on a letting agent’s summary.
What is the short answer on pet damage insurance for tenants?
In short: pet damage insurance in rented homes is governed by the rules now in force in England, and the outcome usually depends on the detail — landlord pet damage cover, tenants liability insurance and the dates involved rather than on what either side believes is fair. This pet damage insurance for tenants guide sets out the position in plain English, explains where pet damage insurance UK fits, and shows the practical checks to run before you act. It is written for renters, landlords and advisers who want the current position on pet damage insurance for tenants without wading through legislation.
Pro tip: write down your key dates before you read on — almost every pet damage insurance question turns on excess and policy exclusions.
Who needs to understand pet damage insurance for tenants?
Anyone dealing with pet damage insurance in rented homes needs a working understanding of pet damage insurance for tenants: private renters, landlords, letting agents, guarantors and advisers. Renters usually search for tenant pet insurance renting once a problem has already started, while landlords and agents tend to need pet damage insurance for tenants at the setup stage, when tenants liability insurance and accidental damage cover are being agreed. Councils, ombudsman schemes and tribunals all look at the same underlying facts, so both sides benefit from getting pet damage insurance for tenants right early.
Pro tip: if you are on the receiving end of a decision about pet clause tenancy, ask for the reasons in writing before you respond.
How have the current England renting rules changed pet damage insurance for tenants?
The private renting framework that applies in England from 1 May 2026 changed several things that affect pet damage insurance for tenants directly, including wear and tear, deposit deduction and claim limit. Practically, this means some older assumptions about does pet insurance cover rental damage no longer hold, and documents drafted under the previous system may use wording that is now out of date. This pet damage insurance for tenants guide flags what changed, what stayed the same, and where transitional rules still matter for accidental damage cover and pet clause tenancy.
Pro tip: check whether your situation began before or after the rules changed — pet damage insurance outcomes can differ purely on that date.
What are the most common mistakes people make with pet damage insurance for tenants?
The most common pet damage insurance mistakes are practical rather than legal. People rely on a verbal assurance instead of written confirmation of pet clause tenancy; they miss a deadline because deposit deduction was never diarised; they assume a template covers landlord pet damage cover when it does not; and they keep no dated record, so a later dispute about pet deposit alternative comes down to one person’s word against another’s. A second frequent error is applying guidance written for a different UK nation, since pet damage insurance for tenants does not work the same way everywhere.
Pro tip: before you reply to anything about tenants liability insurance, save the original message, the date received and any reference number.
What related searches does this pet damage insurance for tenants guide answer, such as “tenant liability insurance pets” or “pet damage insurance for tenants UK”?
This pet damage insurance for tenants guide is written to answer the phrasings people really use, including “tenant liability insurance pets”, “pet damage insurance for tenants UK”, “does my insurance cover pet damage to a rental” and “landlord asking for pet insurance”. Those searches usually point at the same underlying issue: pet damage insurance in rented homes. The guide also covers the neighbouring questions on landlord pet damage cover, tenants liability insurance and tenant pet insurance renting, so you can settle the whole pet damage insurance for tenants question in one place instead of piecing together partial answers from several sources.
Pro tip: if your wording is not listed, search the site for pet damage insurance UK or does pet insurance cover rental damage and use the linked tool alongside this pet damage insurance for tenants guide.
How often is this pet damage insurance for tenants guide reviewed and updated?
This pet damage insurance for tenants guide is reviewed on a regular cycle and whenever the law or official guidance behind it changes. Updates are checked against primary sources — legislation, GOV.UK guidance and tribunal or court practice — rather than secondary commentary, and the review date is shown on the page. Where a rule about tenants liability insurance or third party liability has recently changed, the guide says what applied before and what applies now, so older tenant pet insurance renting situations are not read against the wrong test.
Pro tip: note the review date when you copy anything from this pet damage insurance for tenants guide into a letter, complaint or tribunal bundle.
