What is legal expenses insurance?
Legal expenses insurance helps cover the cost of legal advice and representation for personal legal issues. It includes access to a 24/7 legal advice helpline and can contribute towards solicitors’ fees, court costs, and other legal expenses.
Homeprotect policies include basic legal expenses as standard, with the option to upgrade to full legal expenses. This page refers to family legal expenses. If you are a landlord, please visit our landlord legal expenses page.
Do i need legal expenses cover?
Legal action can be expensive. If you were unfairly dismissed from your job, or a neighbour caused damage to your property, legal representation could cost thousands. Legal Expenses insurance provides a safety net, offering access to expert advice and up to £50,000 of cover (with Full Legal Expenses) for legal fees and expenses.
Cover includes legal support for employment issues, personal injury, property disputes, and more (depending on your level of cover).
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What Levels of Cover Are Available?
| Feature | Basic Cover (Included) | Full Cover (Upgrade) |
| Legal advice helpline | ✓ | ✓ |
| Tax advice helpline | ✓ | ✓ |
| Legal costs (per claim) | Up to £25,000 | Up to £50,000 |
| Property protection disputes | ✓ | ✓ |
| Consumer contract disputes | ✓ | ✓ |
| Consumer contract disputes relating to building works (under £5,000) | ✓ | ✓ |
| Consumer contract disputes relating to building works (over £5,000) | ✗ | ✓ |
| Employment disputes | ✗ | ✓ |
| Personal injury | ✗ | ✓ |
| Legal defence (e.g. workplace prosecutions) | ✗ | ✓ |
| Tax protection | ✗ | ✓ |
| Cost | Included | £35.00 per year |
To get Full Legal Expenses cover, simply add it during your quote or contact us to upgrade.
What’s Not Covered?
- Issues that started before your policy began
- Legal costs paid before a claim is accepted
- Compensation, fines or penalties awarded against you
- Cases with low prospects of success (under 51%)
- Using a non-approved solicitor (unless ARAG agrees or proceedings begin)
- The first £250 of any claim (Full Legal Expenses only, for Employment, Contract and Property disputes)
- Employment claims before internal procedures are complete
- Property damage claims under £250 (Basic) or £125 (Full)
- Motor-related disputes
- Contract disputes under £250 (Basic) or £100 (Full)
How to Make a Claim
- Call ARAG on 0117 934 2136 (24/7 legal advice and claims line) or submit your claim at homeprotect.co.uk/legal-expenses-claims
- Explain your issue. If it qualifies, ARAG will provide a reference number and guide you through next steps.
For full details, see the Basic and Full Legal Expenses policy booklets or contact our team.
New Customer?
Find out more about our legal expenses cover below.
Existing Customer?
Find answers to some of your questions here. Your latest policy documents are also available to view and download.
Your Questions Answered
No. Legal Expenses does not cover motor-related issues like vehicle accidents or disputes.
Only if proceedings have started or there’s a conflict of interest. Otherwise, ARAG will appoint a solicitor. If you use your own solicitor, they must agree to ARAG’s standard terms.
No. Only legal costs incurred after your claim is accepted will be covered.
No. Incidents that occurred before your policy start date are excluded.
Any personal legal issue under UK law, or law in the EU, Channel Islands, Isle of Man, Switzerland or Norway.
Legal Expenses insurance is provided by ARAG Legal Expenses Insurance Company Limited.
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