Legal expenses cover

Home insurance

Add legal expenses cover

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Shape your cover

Get help with legal claims and disputes when you add our legal expenses cover. We'll provide up to £100,000 in legal representation costs and you won't pay an excess if you claim.

Our legal expenses cover can help with:

  • Disputes with neighbours
  • Trespass on your property which causes damage or nuisance
  • Personal injury that results from an accident outside the home (slipping on a wet floor at the supermarket, for example)
  • Unpaid wages or unfair dismissal from work
  • Clinical negligence (wrong medication or treatment given, for example)
  • Disputing a motor offence (a speeding fine that you believe to be incorrect, for example)
  • Cover for you and any family members permanently living with you


There are some things that aren't covered, including:

  • Let properties, second homes or holiday homes
  • Claims where there's less than a 51% chance of success
  • Any costs that haven't been agreed in advance
  • Claims where the nuisance or trespassing started within 180 days of you buying similar insurance
  • Employment disputes where the incident took place within 90 days of the policy start date
  • Clinical negligence resulting in injury or death
  • Motoring offences related to drugs or alcohol, or where you are disqualified from driving or don't hold a licence


Other terms and exclusions apply to our legal expenses cover. Please read our policy booklet for further details.

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Read our policy booklet to make sure our cover is right for you.

 

We also offer optional home emergency cover.