Legal expenses cover
Home Legal Expenses
What is home legal expenses cover?
Ageas Home Legal Expenses, provided by RAC is is optional cover that provides legal support and advice for a wide range of incidents.
This cover provides up to £100,000 of cover for legal costs and can offer you peace of mind knowing you can get support to help resolve a wide range of issues.
As part of your Home Insurance policy you also have access to a 24 hour, 365 days a year legal helpline, provided by RAC.
What is covered?
- Property disputes - a dispute with neighbours regarding boundaries, trespassing on your property, or related damage or nuisance
- Personal injury - to seek compensation for personal injury from an accident (but not a road traffic accident involving a vehicle owned or driven by you) that was caused by the fault or negligence of a third party
- Contract disputes - a dispute with any goods or services which you have taken out a contract for, for example if you have had a new kitchen installed unsatisfactorily, or have purchased a faulty sofa
- Employment disputes - a dispute with your employer, for example, unpaid wages or unfair dismissal from work
- Clinical negligence - to seek compensation for clinical negligence which caused you harm (wrong medication or treatment given, for example)
- Motor prosecution defence - to dispute a motoring offence, for example a speeding fine that you believe to be incorrect
- Tax investigations - to respond to a full enquiry into your personal income tax position from HM Revenue & Customs.
Cover applies to you and all family members permanently living with you.
What is not covered
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Claims where there's less than a 51% chance of success
- Any costs that haven't been agreed in advance
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Any claim relating to the rent, service and maintenance charges or renewal of a tenancy agreement
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A claim for stress, psychological or emotional injury unless it arises from a physical injury.
For full terms, conditions and exclusions of our Home Legal Expenses cover, please read our policy booklet to make sure our cover is right for you.
You can add Home Legal Expenses cover at the start or during your policy.
To add this cover to your policy, log in to your online account
Defaqto Five Star rated
Ageas Home Insurance is one of the most comprehensive levels of cover available.
Need to change something on your policy?
Did you know, you can add our optional extra’s part way through your policy term? So you can add more protection if you decide you want more peace of mind throughout the year - simply log into your online account.
Manage your home policy securely online 24/7
Simple and straightforward
- Make changes to your policy with no admin fee
- Review and complete your policy renewal
- Make outstanding payments on your policy
- View and upload documents all in one place
Don't have an online account yet? Create one today. Make the most of your policy by logging in.
Get the right cover for you
If you want your home insurance to go even further, you can choose to add optional cover to your policy
Personal Belongings cover
Protect your items when you're away from your home
OUR POLICY BOOKLET
Read our policy documents for full details of what is and isn’t covered in your insurance policy.
You can also check your Statement of Fact to review your cover, policy limits and excesses in more detail. You’ll find this in your online account or your policy confirmation email.