Legal Expenses Insurance
Legal expenses cover for your car, your home or your business
Motor Legal Expenses
Provides insurance to cover up to £100,000 for advisers’ costs for certain types of legal action(s) to help you pursue or defend a claim in the following situations:
Uninsured Loss Recovery & Personal Injury
To pursue damages claims arising from a road traffic accident:
- Whilst you are in, boarding or alighting the vehicle against those whose negligence has caused your injury or death; and/or
- Against those whose negligence has caused you to suffer loss of your insurance policy excess or other out of pocket expenses.
Motor Prosecution Defence
To defend a legal action in respect of a motoring offence, arising from your use of the vehicle.
Motor Contract
To pursue or defend a legal action relating to a
dispute over a contract for the sale or purchase of goods or services relating to the vehicle, including the vehicle itself, provided advisers’ costs do not exceed the amount claimed.
dispute over a contract for the sale or purchase of goods or services relating to the vehicle, including the vehicle itself, provided advisers’ costs do not exceed the amount claimed.
Family Legal Expenses
Consumer Disputes
In the event of a claim relating to the purchasing of personal goods or services
Home Disputes
Legal support in relation to the loss or damage of goods in the home or an infringement of home rights
Income Tax
Cover for claims arising from detailed examinations into personal and private tax affairs supported by a FREE tax advice helpline
Employment Disputes
Legal Support relating to a claim for unfair dismissal or unfair selection for redundancy
Identity Theft
Defence in the event of an incident of ID Theft supported by an ID theft helpline
Criminal Prosecution Defence
For the protection of fees incurred in the defence of criminal legal proceedings
Travel Consumer Disputes
Pursuit of a breach of contract claim relating to a holiday in order to seek compensation and implementation of the contract
Personal Injury Cover
Pursuit of a civil claim for damages in respect of an injury caused by negligence of another party
Social Media Defamation
Support provided if your client is subjected to an act of defamation via social media
Family Legal Expenses also covers Probate Disputes, Jury Service Expenses, Clinical Negligence, Education and Homebuyers Protection
Landlord Legal Expenses
Provides a comprehensive range of cover and advice for owners of both commercial and residential let properties. Rent Guarantee options are available for residential let properties to provide a total peace of mind landlord solution. Landlord Legal Expenses is further supported by a helpline which operates 24 hours per day, 365 days per year to provide guidance on a number of different tenancy related issues.
Portfolio Management
We can cater for landlords with a portfolio properties to be covered on one policy schedule
Residential Let Property
Cover available for residential let properties with a £50,000 LOI
Commercial Let Property
Cover available for commercial let properties with a £50,000 LOI
Rent Guarantee
Option to upgrade to include cover for rent indemnity up to £2,500 per month for a six month period with a seven day payment pledge on residential let property
Breach of Tenancy Agreement
Legal Assistance in the event of a breach by a tenant of their obligations under the tenancy agreement
Pursuit of Rent Arrears
Assistance in pursuing outstanding rent payments
Eviction
Support in the eviction of anyone who is occupying the property without your permission
Legal Defence
Defence in criminal and civil matters connected to ownership of the property
Cover on the Property
Cover is per property and not per tenant, allowing the policy to run alongside any change in tenancy without penalties
Commercial Legal Expenses
Employment Disputes
Support relating to disputes regarding contracts of employment or alleged discrimination and employee restrictive covenant issues
Legal Defence
Defence against prosecution in a criminal court in respect of an alleged act or omission
Contract Dispute
Cover for disputes with a customer or supplier relating to the sale,hire or supply of goods and services
Tax Investigation
Cover for professional fees relating to a Tax, PAYE, VAT or NIC dispute
Property Protection
Support in civil action against a third party for nuisance, trespass or criminal damage to the business premises
Jury Service Expenses
Reimbursement for the actual loss of salary or wages of the insured as a result of time off work to attend court
Licence Protection & Data Protection
Legal support for licence protection and data protection issues
Helpline Support
Extra support via a Legal Assistance helpline operating 24/7 and a tax adviceline operating 9am to 5pm
