Home Legal Expenses Cover

We refer to this cover as Family Legal Expenses Insurance. It is designed to help protect you and your family when taking legal action against another party, providing legal advice and cover for legal costs.

It is not intended to provide insurance to defend you if someone makes a legal claim against you. This would usually be covered under liability insurance which is often included under your general home insurance policy.

What is Covered

You have a legal problem, such as:

  • Unfair dismissal, discrimination at work
  • Injury from clinical negligence or an accident that wasn’t your fault
  • Boundary fence moved onto your land, damage caused by neighbouring trees
  • Faulty goods or services.

We will:

  • Give unlimited access to our legal advice helpline
  • Find a specialist lawyer to act for you who will tell you if you’re likely to win
  • Pay up to a typical amount of £50,000 to your lawyer to cover legal costs including the other side’s costs if you lose.

If you are interested in buying Family Legal Expenses Insurance or want to know more about what’s included in your policy, please speak to your insurance adviser.

What isn’t Covered

You cannot:

  • Claim for problems that start before you buy the policy
  • Claim expenses incurred before your claim is accepted (e.g. the cost of consulting your own lawyer).

We will not:

  • Continue with your claim if your lawyer doesn’t think you will win.

Exclusions and limitations

  • It’s important to bear in mind that policy cover and limitations can vary between different providers.

Typical exclusions and limitations include:

  • Excesses to make a claim
  • Disciplinary hearings with your employer or internal grievance procedures
  • An upper limit on the value of the contract entered into
  • Minimum amounts in dispute in order to claim
  • Maximum cover amounts. Typically this amount is between £50,000 and £100,000 per claim. Please check with your insurance adviser as amounts could vary.
  • Disputes arising from loans, mortgages, pensions or investments
  • An illness or bodily injury that happens graduallyFailure to diagnose a condition.

If you are interested in buying Family Legal Expenses Insurance or want to know more about what’s included in your policy, please speak to your insurance adviser.

Video Explained: A Guide to Family Legal Expenses Insurance from DAS