AUTUMN BUDGET: There were several important announcements in the Chancellor's Budget that could affect your personal finances. Find out more.

AUTUMN BUDGET: There were several important announcements in the Chancellor's Budget that could affect your personal finances. Find out more.

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. 

Why choose us?

Why choose us?

  • Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

    Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

  • Spread the cost

    We won't charge you extra if you choose to pay monthly by Direct Debit - no fees or interest.

    Spread the cost

    We won't charge you extra if you choose to pay monthly by Direct Debit - no fees or interest.

  • No fees

    We don't charge an administration fee when you make adjustments to or if you cancel your policy.

    No fees

    We don't charge an administration fee when you make adjustments to or if you cancel your policy.

More cover from us

Home Emergency Cover

Cover in the event of a sudden and unexpected domestic emergency. Home Emergency Cover offers added protection for when the unexpected happens.

Personal Belongings Insurance

Extend your contents insurance to cover the items that you take outside of your home, with up to 90 days cover anywhere in the world.

Caravan Insurance

When you're exploring new places with your caravan, you want proper protection. Talk to us about cover than won't keep you tied down. 

Dog and Cat Insurance

They're an important part of the family, so we offer cover to home contents insurance policyholders to help care for your dog or cat.

Travel Insurance

Protection for our home contents insurance policyholders when taking a trip, covering important things like medical expenses and loss of money.

Smallholder Insurance

Providing cover to help your smallholding grow. Smallholder Insurance can be simply added to a home contents insurance policy.

Homeworker Insurance

If you run a business from your home, our Homeworker Insurance can be added to a home contents insurance policy for greater protection.

Frequently asked questions

What's next?

Take out a new policy

Ready to buy your home insurance policy? We can help you to make sure that you get the right cover.

Existing customers

Get a new quotation, make changes to, discuss your renewal or cancel your home insurance policy.

Claims

Notify us of a new home insurance claim or speak to us about a claim that is in progress.