What is this type of insurance?
This Legal Expenses insurance policy provides legal expenses cover for you, your spouse or partner, your parents or parents in-law or your children permanently residing with you up to £100,000 for any one claim in respect of legal costs incurred should you need to bring or defend a legal action against a third party following:
- Personal claims in respect of personal injury or an event which subsequently causes your death
- Disputes over the buying or selling of the property
- Infringement or encroachment of your use, enjoyment or rights over the property, or nuisance or trespass disputes which occur at or in respect of the property
- Your unlawful eviction from a property occupied by you under an Assured Shorthold Tenancy agreement
- Physical damage to personal property owned by you, or the purchase, hire, lease or sale of personal or private goods
You are also covered for:
The pursuit of civil proceedings against your employer relating to any discriminatory action as specified in the Employment Tribunals Act 1996, such as unfair dismissal and minimum wage disputes, as detailed in the policy booklet
Legal costs incurred in defending your legal rights or those of a family member noted above arising out of their work as an employee
Professional fees in respect of an appeal arising out of a full enquiry by HM Revenue & Customs into your personal tax affairs
Legal costs incurred in defending your legal rights following criminal proceedings being brought against you
Reimbursement of your salary or wages whilst absent from work on jury service
What is not covered:
- Personal injury claims relating to alleged failure to correctly diagnose any medical condition
- Claims relating to subsidence, ground heave, landslip mining or quarrying
- Any claim relating to land or buildings owned by you but which are not your permanent primary residence within the territorial limits
- Any claims made in respect of any motor vehicle owned, used by, hired or leased to you, unless a claim is being made under Motor Prosecution Defence
- Any claim where the amount in dispute is less than £100
- Employment disputes where your employment status is not that of an employee
- Fines, Penalties or damages which you are ordered to pay by a court, tribunal or other authority
- Claims in respect of parking or obstruction offences
- Claims in respect of the tax affairs of any business
Further information regarding Legal Expenses is available in your policy booklet. You can view and download your policy booklet from our website, Home Insurance Policy Booklets.
If you'd like to discuss or get a quote to add Legal Expenses onto your Home Insurance policy, please contact our Customer Services team on 0345 6011 050.
This Legal Expenses insurance policy provides legal expenses cover for you, your spouse or partner, your parents or parents in-law or your children permanently residing with you up to £100,000 for any one claim in respect of legal costs incurred should you need to bring or defend a legal action against a third party following:
- Personal claims in respect of personal injury or an event which subsequently causes your death
- Disputes over the buying or selling of the property
- Infringement or encroachment of your use, enjoyment or rights over the property, or nuisance or trespass disputes which occur at or in respect of the property
- Your unlawful eviction from a property occupied by you under an Assured Shorthold Tenancy agreement
- Physical damage to personal property owned by you, or the purchase, hire, lease or sale of personal or private goods
You are also covered for:
The pursuit of civil proceedings against your employer relating to any discriminatory action as specified in the Employment Tribunals Act 1996, such as unfair dismissal and minimum wage disputes, as detailed in the policy booklet
Legal costs incurred in defending your legal rights or those of a family member noted above arising out of their work as an employee
Professional fees in respect of an appeal arising out of a full enquiry by HM Revenue & Customs into your personal tax affairs
Legal costs incurred in defending your legal rights following criminal proceedings being brought against you
Reimbursement of your salary or wages whilst absent from work on jury service
What is not covered:
- Personal injury claims relating to alleged failure to correctly diagnose any medical condition
- Claims relating to subsidence, ground heave, landslip mining or quarrying
- Any claim relating to land or buildings owned by you but which are not your permanent primary residence within the territorial limits
- Any claims made in respect of any motor vehicle owned, used by, hired or leased to you, unless a claim is being made under Motor Prosecution Defence
- Any claim where the amount in dispute is less than £100
- Employment disputes where your employment status is not that of an employee
- Fines, Penalties or damages which you are ordered to pay by a court, tribunal or other authority
- Claims in respect of parking or obstruction offences
- Claims in respect of the tax affairs of any business
Further information regarding Legal Expenses is available in your policy booklet. You can view and download your policy booklet from our website, Home Insurance Policy Booklets.
If you'd like to discuss or get a quote to add Legal Expenses onto your Home Insurance policy, please contact our Customer Services team on 0345 6011 050.