Orlando Harmon
Legal protection on house insurance, also known as family legal protection or LEI, is an add-on to your home insurance policy that covers legal expenses and fees. It provides financial cover to help pay legal fees if you require professional legal assistance for a range of circumstances. This includes disputes with neighbours, personal injury claims, consumer disputes, identity theft, employment disputes, and more. The amount of cover provided is usually between £50,000 and £100,000, although some policies may have a lower limit of £25,000. It's important to note that legal protection policies are designed to cover the cost of future claims and not for pre-existing disputes.
| Characteristics | Values |
|---|---|
| Type of Cover | Additional cover that can be added to your home insurance |
| Other Names | Family legal protection, LEI, legal expenses insurance |
| Purpose | Covers the cost of legal advice and representation for disputes, incidents or claims made against you |
| Cost | £25-£35 a year |
| Amount Covered | £50,000-£100,000 |
| Legal Chance of Success | More than 50% |
What You'll Learn
Personal injury claims
Legal protection on house insurance, also known as family legal protection or LEI, is typically an add-on to your home insurance policy. It covers the cost of legal advice and representation for disputes, incidents, or claims made against you. This includes personal injury claims, such as someone injuring themselves on your property.
If someone is injured on your property, the liability provision of your homeowners' insurance policy will typically cover any personal injury claim that is filed. This includes medical bills, lost income, pain and suffering, and other damages. However, there may be exceptions, such as if the injury was caused by an intentional act on your part.
The amount of legal cover offered is typically between £50,000 and £100,000, although some policies may have a lower limit of £25,000. It's important to note that your provider will only offer to act on your behalf if your claim has a reasonable chance of success, usually defined as a likelihood of 51% or higher.
To make a personal injury claim against a homeowners' insurance policy, you must first notify the insurance company of the claim and provide details of what happened and what compensation you are seeking. It is important to review the insurance policy's specific language to understand what is covered and any policy limits.
In addition to providing financial coverage for personal injury claims, homeowners' insurance may also offer a free lawyer to deal with any lawsuits stemming from the incident. This can save the policyholder money on legal fees, which can be expensive.
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Property and neighbour disputes
Legal expenses cover, also known as family legal protection or LEI, is typically an additional cover that can be added to your home insurance. It covers the cost of legal advice and representation for disputes, incidents, or claims made against you. This includes property and neighbour disputes.
Legal protection covers the cost of legal advice and court fees related to property disputes with neighbours. However, it is important to note that legal protection only covers your legal costs and will not cover any compensation that you may be ordered to pay if you lose the case.
If your neighbour has maliciously damaged your property, such as by removing fencing or smashing windows, you may be able to claim on your cover. Additionally, if you have recently purchased a property and discover a problem that the previous owners did not disclose, you may have the right to seek compensation in court.
Before taking legal action, it is important to attempt to resolve the issue amicably. This may involve writing to your neighbour to lay out your grievance and suggesting a meeting to discuss the problem. If they disagree or do not respond, you can then consider legal action with the help of your insurer.
It is worth noting that most standard home insurance policies do not include legal protection, and you may need to pay for it as an additional "add-on". However, it is a cost-effective way to get legal help if needed, as solicitors' fees can be expensive.
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Consumer disputes
Legal protection cover is an add-on to your home insurance policy that can help cover legal fees in the event of a consumer dispute. This includes situations where you believe your consumer rights have been infringed. For example, if you ordered a piece of furniture that arrived damaged and the retailer refused a refund, legal protection cover could help cover the costs of taking them to court.
Legal protection cover can also assist with disputes over faulty or damaged goods. For instance, if you hired a carpet cleaner for the weekend and the firm didn't refund your deposit despite failing to provide the service, legal protection insurance could help manage and resolve the scenario by covering the costs of pursuing legal action.
It's important to note that legal protection policies are designed to cover the cost of future claims and not for costs arising from ongoing disputes or incidents that occurred before the policy began. Additionally, there may be a minimum amount in dispute for a claim to be covered, typically excluding claims for disputes below £250 plus VAT.
When considering legal protection cover, it's essential to review the terms of the policy carefully to understand what is and isn't included in the coverage.
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Identity theft
Legal expenses cover, also known as family legal protection, is an add-on to your home insurance policy. It covers the cost of legal advice and representation for disputes, incidents, or claims made against you. This includes property and neighbour disputes, personal injury claims, consumer disputes, and identity theft.
The coverage limits for identity theft protection vary among insurance providers, with some offering up to $10,000 or $40,000 in total coverage for expenses incurred due to identity theft. It is important to carefully review the terms and conditions of your home insurance policy to understand the specific coverage, limits, and exclusions of identity theft protection.
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Employment disputes
Legal protection on house insurance, also known as legal expenses cover or family legal protection, is an optional add-on to your home insurance policy. It covers the cost of legal advice and representation for disputes, incidents, or claims made against you. This can include employment disputes.
- Discrimination at work, such as claims against your employer for discrimination based on race, sex, or age.
- Unfair or constructive dismissal.
- Settlement agreements or contract issues.
- Disputes over unpaid wages.
- Unfair selection for redundancy.
- Claims for discrimination relating to your disability or illness.
It's important to note that legal protection on house insurance typically does not cover the early stages of an employment dispute, such as grievance or disciplinary procedures. It will, however, cover the legal costs of going to an employment tribunal, provided there is a reasonable chance of success (usually more than a 50% chance).
Before taking legal action, it is recommended to follow your organisation's internal dispute resolution procedures, such as raising a grievance or appealing any decisions you disagree with. If you decide to take your case to an Employment Tribunal or County Court, be mindful of the time limit for starting proceedings. Additionally, gather as much information and evidence as possible, including your employment contract, statements or diaries of events, and receipts for expenses.
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Frequently asked questions
Legal protection on house insurance, also known as family legal protection or LEI, is an add-on to your home insurance policy that covers legal fees and costs for a range of circumstances. This includes personal injury claims, disagreements about property, and problems with the provision of goods and services.
The cover provided by legal protection insurance varies depending on the insurer. However, common areas of coverage include property and neighbour disputes, personal injury claims, consumer disputes, identity theft, jury service, inheritance disputes, and appeals against non-admission to a school.
The cost of legal protection cover can vary, but it typically ranges from £25 to £35 per year as an add-on to your home insurance policy. Some home insurance policies may include this cover as standard, so it is important to check the terms of your policy.
