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.
More cover from us
Frequently asked questions
Legal Advice Helpline services: available 24 hours a day, 7 days a week
Please refer to your policy schedule for the helpline number.
If you wish to speak to someone about a personal legal issue under the laws of the UK, Channel Islands, Isle of Man, the European Union, Switzerland or Norway, please phone the helpline and tell them that you’re an NFU Mutual policyholder. DAS can also put you in touch with an expert if you’re looking for advice on topics relating to personal tax issues under
UK law and health and medical advice. Advice on the law of England and Wales is available 24/7. Advice on other countries’ laws, UK tax advice or health and medical advice is available 9am to 5pm Monday to Friday (excluding bank holidays).
Householdlaw website: dashouseholdlaw.co.uk
The website provides legal information, guides, videos and document building tools to assist and support you with legal problems.
Counselling service: 0117 934 2121
DAS will provide you with a confidential counselling service over the phone if you are aged 18 or over (or aged between 16 and 18 and in full-time employment)
Once your claim is accepted, in most cases it will be assessed by a lawyer to make sure that there is a reasonable prospect of success. This means the claim has at least a 51% chance of recovering losses or damages, winning an appeal made by
you, successfully defending a claim or appeal made against you or getting any other relief you’re claiming for.
For criminal claims, there’s no requirement to have reasonable prospects of success, although reasonable prospects will apply to criminal appeals.
If your claim is deemed not to have a reasonable prospect of success of at least 51% we may refuse funding. The prospect of success can change during a case, but as long as your lawyer believes you’re still likely to win, we’ll continue to support your case.
A lawyer will be instructed who is a specialist in the area of law covered by your policy. Instructed lawyers are monitored and audited to make sure they are delivering a high-quality service. If you prefer, you can choose your own lawyer, subject to them being suitably qualified and agreeing to the administrator’s terms – DAS will be happy to discuss this with you.
No, not if the legal issue began before the legal expenses cover was taken out.
No, you remain responsible for these costs so it’s important to call the legal advice team as soon as possible to discuss the best way to progress.