Personal Legal Expenses Insurance
Providing support, expert advice and cover for legal costs
Protection for you and your family during legal disputes, providing access to 24/7 legal advice and cover of legal costs and expenses should you need it.
Your policy documents will show if you already have this cover in place. If taking out a new home insurance policy, your quote summary will show if it is included. If it isn't, you may want to consider adding it.
Insurance overview
Legal disputes relating to your home, employment, death or personal injury can be costly, time consuming and may stretch your finances.
If you find yourself in need of support, we provide Legal Expenses Insurance to help protect you and your family during legal disputes; providing support, advice and cover for legal costs.
Our legal expenses cover is administered by DAS Legal Expenses Insurance Company Limited on our behalf, providing an independent claims handling service and immediate access to a range of information, advice and assistance that can help avoid problems arising in the first place, including:
- Access to legal advice helplines 24 hours a day, 7 days a week
- Counselling service
What's covered:
- Access to free legal advice 24/7
- Employment related legal expenses: disputes relating to your terms of employment, defence for prosecutions against you related to your activities as a worker or an employee, payment of your salary or wages whilst you attend court or a tribunal at our request
- General contract disputes: buying or hiring goods or services, selling goods
- Property related legal expenses: Buying, selling or renting your home, disputes with your landlord relating to rent, someone causing damage to your home, opposing adverse possession claims, opposing a map modification order made by a surveying authority
- Injury legal expenses: specific or sudden incidents causing death or bodily injury
- Clinical negligence: Legal expenses covered for a negligent surgical act or medical procedure causing death or bodily injury
- Personal tax returns: Costs you may incur if HMRC conduct an enquiry into your personal self-assessment tax return
- Motoring offences: Costs for defence for prosecutions relating to the use of a motor vehicle
- Gun certificate protection: Costs to appeal if your certificate is suspended, changed, not renewed or cancelled.
What's not covered
- Legal problems that started before your cover began
- Fines, penalties or damages
- Claims relating to judicial review, coroner's inquest or fatal accident inquiry
- Claims relating to copyright infringement and intellectual property
- Claims relating to insolvency, bankruptcy or arrangements with creditors
The features and exclusions listed are not exhaustive. Your cover will depend on your circumstances. Limits and exclusions apply.
