Legal expenses insurance
Legal expenses insurance is a type of ‘add-on’ insurance designed to help protect you and your family from the cost of unexpected legal problems.
If you find yourself in need of help, legal expenses insurance gives you access to a legal advice helpline and could also cover your legal costs, even if your case goes to court. It can provide cover for common issues like:
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Unfair dismissal, or discrimination at work;
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Injury from an accident that was not your fault; or
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Disputes involving faulty goods or services.
How can it help me?
Legal expenses insurance can be an affordable way to help individuals, motorists and business owners get access to legal support when they need it.
What it doesn’t do?
Legal expenses insurance policies vary between providers, but there are some things that it doesn’t generally help with. These might be:
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Issues that started before you bought the policy;
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Legal costs you pay before your claim is accepted;
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Claims where a lawyer assesses that the likelihood of winning (or ‘reasonable prospects of success’) is lower than the likelihood of losing your case; and
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Anything specifically excluded – the policy documentation will set out what is and what is not covered.