On the one hand, zero deposit schemes can be attractive for tenants who do not have enough money saved up to pay a security deposit, and want to move in quickly. On the other hand, tenants are still obliged to pay for damage or unpaid rent at the end of the tenancy, despite the fact that these schemes are marketed as insurance policies. Indeed, they become liable to pay any money to the insurer rather than the landlord at the end of the tenancy. Any disputes arising from liability are not covered by free resolution services.