Legal expenses insurance

Add Legal Expenses to your policy to protect yourself in the event of an unexpected legal case

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Helping you in a time of need

  • Legal expensesBasic legal expenses included.
  • Cover for property disputes.
  • Cover for breach of contract over goods/services.
  • 24/7 legal helpline available.

HomeProtect now offer a basic level legal expenses cover as standard with any new policy purchased after 2nd October 2014, as part of our commitment to help you in a time of need.

The basic Legal Expenses option covers up to £25,000 of legal expenses to pay for legal action around disputes or ownership issues to do with your property, along with breaches of contract in the purchase of goods and services.

We also offer an upgraded legal expenses product, with increased cover levels and specifically tailored additional cover depending on your circumstances.


Get your quote to see which Legal Expenses cover product is right for you

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Case study: Dispute arising during property purchase

Mrs H and her husband had purchased a new home. Upon completion, they started to renovate the property whilst it was unoccupied and planned to move in a few weeks later. They met one of their new neighbours during this period, who advised her that he had a number of ongoing disputes with the previous owner. The neighbour was also aggressive towards Mrs H, dictating where she could park and walk on their shared drive. Mrs H hadn't been told about any outstanding disputes during the sales process and had she been aware she wouldn't have purchased the property.

Mr & Mrs H therefore submitted a claim to HomeProtect to pursue the previous owner for breach of contract relating to the undisclosed neighbour dispute. In the meantime, the family decided to sell up and move into another property, due to fear of retaliation from the previous owner, who according to the neighbour had also shown signs of aggression in the past.

The panel solicitor progressed the matter to mediation with the previous owners. An offer of £25,000 was accepted by the family and all legal costs were covered under the Basic Legal Expenses policy.

 

 

Legal expenses cover

Cover Levels Basic Upgrade
Cost per month Included within your home insurance premium* Varies - depending on property type
Total Legal Expenses cover limit (per period of insurance) £25,000 Varies – depending on property type
Usage impacts No Claims bonus No No
Access to a free 24/7 legal helpline Yes Yes
Cover for disputes about your property Yes Yes
Cover for breach of contract for purchase of goods/services Yes Yes
Employment disputes (including unfair dismissal) No Yes
Upgraded cover tailoring to your personal circumstances and needs No Yes

*Basic Legal Expenses cover is included within your annual premium for home insurance policies purchased on or after 2nd October 2014 or policies renewing after 1st July 2015.

 Delve into the detail

  • What’s covered, what’s not.
  • How to purchase.
  • How to claim.
  • What excesses will I have to pay?

Download the cover options booklet