A Guide to Family Legal Expenses Insurance
Sometimes in life, things take a turn for the worse and you need expert legal help. This can be a daunting, stressful and very costly time. That's when legal expenses insurance could prove to be a useful and valuable addition to your home insurance. The cover is there to protect your legal rights and provide expert legal help with problems you might be faced with in day-to-day life. This could be problems with your job, your home and even the things you buy. And with our legal advice helpline you have unlimited access to an expert legal team whenever you need support.
They can guide you through common legal problems, help you understand your rights and offer advice on taking any further steps If your issue needs to go further, to court or tribunal, for example, the policy can also cover the cost of a lawyer to stand up for you. It's much more affordable than using a high street law firm. In short, legal expenses insurance makes legal representation accessible for everyone. For instance, you could be having a dispute at work.
Let's say you suspect you've been unfairly dismissed or discriminated against because of your age, race or sex. Our cover protects your rights as an employee by providing a lawyer to represent you through the employment tribunal process. Or maybe it's a problem closer to home, with not-so-neighbourly neighbours. Picture the scene. Next door's tree roots are invading your garden. It's even beginning to damage your property.
Or perhaps your neighbour moves a boundary fence on to your land. Our cover will help you resolve your legal dispute so you can get back to normal and make your home sweet again. Our cover protects your rights as a consumer, too. You've booked your dream holiday, for example, only to find out that the reality wasn't quite like the brochure.
The policy can help you make a claim against the travel agent for breach of contract. There's also lots of other ways your policy can help. including legal representation for claiming compensation for an injury that wasn't your fault, including clinical negligence and we can help reinstate your identity if you've been a victim of identity theft. Just a few things to bear in mind. You can also find plenty of useful advice and guidance for dealing with legal issues on our legal information and document preparation website.
You can buy a range of documents, from simple consumer complaint letters to Wills. In fact, you can find documents for all kinds of legal situations where you could do with a legal helping hand. And finally, a couple of things to make a note of should you need to use your policy... First of all, we will check your claim is covered. If it is, we'll provide you with a lawyer who specialises in the law relating to your claim.
This lawyer will then assess how likely it is you will win your case. This is referred to as 'prospects of success'. It's worth noting that this is a normal part of the legal process of pursuing claims. If your lawyer believes you are more likely than not to win, then good news; they will take on your case. And your legal costs and expenses will be covered up to the amount shown in the policy wording. This also includes the other side's costs if you lose.
Bear in mind that prospects of success can change throughout a case. So as long as your lawyer believes you are more likely than not to win, we'll continue to support your case. So, consider opting in to legal expenses insurance. It's there to help you protect your legal rights - and fight your corner, through expert legal representation and advice. Speak to your insurance adviser to find out more.
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