Most insurance claims are straightforward. If you’ve had a fire, your home’s been flooded or your roof has been blown off, there shouldn’t be a problem claiming — although the company’s Loss Adjuster may still find a flaw in your claim.
Sometimes, though, an insurance claim can be a lot more complex. You could find yourself having to seek legal advice, or even pursuing or defending a civil action.
This is a problem, since solicitors don’t come cheap. If you have legal expenses cover as part of your insurance policy, though, both legal advice and costs in a civil case would be covered.
How Does Legal Expenses Cover Protect You?
Having legal expenses cover can protect you against legal expenses in a wide range of situations, including:
- Personal injury or death — If someone is claiming compensation for an injury sustained on your property, your legal expenses will usually be covered up to a specified amount.
- Purchase or sale of property — You’re protected against expenses from contractual disputes during the sale of a property — with an estate agent or removal company, for instance.
- Property disputes — The costs of a dispute over boundaries, noisy neighbours, damage to property and similar causes will be covered.
- Consumer disputes — If you buy, sell or hire goods in your home, your expenses for disputes are covered.
- Employment disputes — Legal expenses cover can pay the costs for an employment dispute, such as unfair dismissal, involving a tribunal.
- Tax investigation — You can claim legal costs involved with HMRC investigating your tax affairs.
Legal expenses cover may already be included in your home insurance policy, but if you don’t know it’s there you could lose out. On the other hand, if you find your policy doesn’t include it, perhaps it’s time to rethink your home insurance cover.