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Family Legal Protection



Type of insurance and cover provided

Typical Family Legal Expenses Insurance provides cover as detailed below:



Policy Section
This policy will cover
Significant Exclusions - The insurer will not be liable for:
Section 1. Consumer Contract Disputes
Disputes arising out of a contract for the purchase or hire of goods or services for private use or the sale or supply of privately owned goods.
Disputes relating to agreements that you entered into prior to the inception date of this policy (note that this exclusion does not apply where you have renewed your cover).
Section 2. Domestic Property Protection
Disputes arising out of:
  • A third party's alleged or actual negligent act or omission, nuisance, trespass or criminal damage relating to your material property (including your home but not any other buildings or land) which causes or could cause physical damage or pecuniary loss;
  • Infringement of your legal rights originating from the ownership of your home;
  • A contract in your name and relating to your home for construction, conversion or extension, sale or purchase including the leasehold and rental;
  • The landlord's failure to maintain your home.
Boundary disputes which arise in the first 180 days of this insurance unless the policy has renewed at least once;

Claims where you are the landlord of the home or are leasing, sub-letting or renting-out all or any part of the premises for any purpose;

Claims relating to contracts for construction, conversion, extension, sale or purchase of your home that you entered into prior to the inception date of this policy (note that this exclusion does not apply where you have renewed your cover).
Section 3. Employment Disputes
Disputes arising from or relating to an insured person's contract of employment as an employee.
Claims in respect of directors’ service contracts;

The first £250.00 plus VAT of any claim (the excess).
Section 4. Professional Negligence
Disputes with solicitors, accountants and surveyors arising out of:
  • An agreement entered into by the insured person after the inception of the first period of insurance;
  • Actual or alleged negligent advice, error and or omission where the date of occurrence is after the inception of the first period of insurance.
Disputes relating to agreements entered into or advice received prior to the inception date of this policy (note that this exclusion does not apply where you have renewed your cover).


Policy Section
This policy will cover
Significant Exclusions - The insurer will not be liable for:
Section 5. Legal Defence
The defence of any:
  • Prosecution of an insured person in a criminal court arising out of the sale or supply of privately owned goods;
  • Civil action, arising out of the insured person's work as an employee, under any legislation relating to racial, sex or disability discrimination, data protection or being a trustee of a pension fund set up for the benefit of the insured person's fellow employees.
Claims arising from any work as a director.
Section 6. HM Revenue & Customs
An extensive investigation by HM Revenue & Customs into an insured person's personal tax affairs arising out of the insured person's work as an employee excluding enquiries limited to specific aspects of the self-assessment tax return.
Investigations limited to specific aspects of the insured person’s self-assessment tax return;

Investigations into a self-assessment tax return submitted in respect of any entity undertaking activities by way of business.
Section 7. Attendance
The actual loss of the salary or wages of an insured person for the time off work to attend any court or tribunal hearing at the request of the appointed representative or as a defendant of an admitted claim under this insurance.
Any salary or wages that are recoverable from the relevant court, tribunal or other party.
Section 8. Personal Injury
The pursuit of legal proceedings to recover damages for death of or bodily injury sustained by an insured person as a result of a sudden or specific accident.
Accidents involving a motor vehicle;

Any illness or injury arising from a gradually operating cause.
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