Home insurance with family legal protection

Why might you want family legal protection?

Solicitors don't come cheap. So, if you've got nightmare neighbours or you're after compensation for that package holiday gone wrong, family legal protection might be handy if you require advice or need to go to court.

Going to court is stressful, but knowing you have family legal protection may help to take some of the financial strain away.

What is family legal protection?

Family legal protection is a type of legal expenses cover that may help cover some of the costs if you have to go to court for a private legal dispute. 

It may help to protect against costs associated with making claims or being sued.

Family legal protection may come in handy for things like:

• Personal injury claims – if you suffer an injury that wasn’t your fault, you may be eligible for financial support toward legal costs.
• Property disputes – if you have issues with your neighbours, you may be able to claim towards legal fees.
• Faulty goods or services – you may be able to claim against consumer disputes.

Is home insurance with family legal protection essential?

You don't have to have it by law, but it can be a good thing. If, for example, you lost your job and you felt it was unfair dismissal, family legal protection could help you pay for the cost of going to an employment tribunal or equivalent to claim compensation.

What does it cover?

For an extra cost, you can add our optional family legal protection for your peace of mind in case you and your family ever need to go to court.

It could help you and your family with costs associated with going to court if:

• You have a dispute over faulty goods.
• You're in an accident where you're injured and another party is at fault.
• You're injured as a result of clinical negligence following a medical procedure.
• Your employer breaches your employment contract or your legal rights.
• Someone trespasses on or damages your home.

We'll also cover your costs if you're investigated by HMRC, and you need to pay an accountant. Not only that, but you'll also have access to our specialist lawyers. Plus you can call our 24-hour legal advice helpline about any personal legal problems you have while you've got our cover.

What's not covered?

There are conditions and exclusions for each situation you claim for, so take a look at your policy document for full details. But here are some general things to remember.

You're not covered:

• If you make a false or exaggerated claim.
• Against any action for something you did deliberately.
• If something you do or don't do prejudices your position, or ours, in the case.
• For loss or damage covered by another policy.
• For any claim for nuisance or trespass which started within 180 days from the start date of this policy unless you held equivalent cover.
• If you wish to pursue a legal action in Employment Tribunal or equivalent if the breach has occurred within 90 days of the start date of this cover.

Examples of family legal protection claims

There are various circumstances where it may come in handy to have family legal protection.

For example:

• If you are injured in a car accident that wasn’t your fault, and you aren’t the one driving or the owner of the vehicle – you may need family legal protection to help you make a compensation claim for any injuries you may have received.  
• If you suffered from harassment at work – you may be able to secure a settlement with the help of family legal protection.