Legal expenses insurance

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

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Legal expensesHelping you in a time of need

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

HomeProtect home insurance policies include basic level legal expenses cover as standard.

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.

Frequently asked questions

Can I upgrade my legal expenses cover for my holiday home?

Yes! Your policy will then be extended to include cover specific circumstances related to consumer pursuit, consumer defence, property infringement, property damage personal identity theft, tax advice costs relating to an HMRC Full Enquiry, and eviction of overstaying guests on short-term lets. Check our policy booklet for details.

My property is unoccupied. What extra legal expenses cover is available?

Full legal expenses cover for empty properties includes cover against property infringement, property damage, and personal identity theft. Check our policy booklet for details.

I rent out my property. What extra legal expenses cover is available?

Legal expenses cover for landlords who let out a property can be upgraded to include expenses relating to property legal disputes, rent recovery and attendance expenses, all subject to specific circumstances. We also offer an additional upgrade for landlord’s premier legal expenses with rent guarantee to protect yourself against tenants defaulting on rental payments. Check our policy booklet for details of both of these.


Get an online quote with Legal Expenses cover for your situation

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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 and 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

Feature Basic Full
Cost  Included as standard  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 tailored to your personal circumstances and needs No Yes

Get an online quote with legal expenses cover for your situation

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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