Family legal expenses insurance

Find a DAS partner DAS Benefits

What can it help you with?

Personal legal expenses insurance explained

Play video

Problems at work

If you are unfairly dismissed or discriminated against, family legal expenses insurance provides access to expert legal advice to help you understand your rights and options. If the issue goes to tribunal, family legal expenses insurance could also provide cover for legal representation and costs in the event of a claim.

Protecting your home

If you are faced with a dispute relating to your home, for instance, a neighbour’s tree causing damage to your property, family legal expenses insurance will provide access to expert legal advice to help you resolve your dispute. Should it go to court, family legal expenses insurance could also provide cover for legal representation and costs.

Protecting your consumer rights

If you buy a faulty sofa and the seller is reluctant to put it right, family legal expenses insurance provides access to expert legal advice to guide you through the situation and help you understand your rights.

Personal injury that wasn't your fault

If you have suffered injury from clinical negligence or an accident that was't your fault, family legal expenses insurance could provide expert legal advice and representation to help you claim compensation.

Cover for legal costs

A family legal expenses insurance policy could pay up to a typical amount of €65,000 per claim to cover your legal costs and expenses, and the other person’s legal costs if you lose. Check your insurance policy for further information on indemnity limits.

Telephone legal advice

Access to telephone legal advice to help understand your rights and options on family legal matters.

What wouldn’t be covered?

  • Issues that started before you bought the policy.
  • Legal costs paid out before your claim gets accepted.
  • Claims which lack reasonable chances of success.
  • Anything specifically excluded from a policy.

Where can you buy it?

It’s possible to buy stand-alone legal expenses insurance, but most policies are purchased as additional services through home or motor insurance providers. Remember to check the cover you already have in place before adding family legal expenses insurance to a new insurance policy; you may already have it on another policy.

Find a DAS partner  Check if your covered

If you’d like more information about family legal expenses insurance have a look at our FAQs or speak to your insurance adviser.

Family FAQs

Family legal expenses insurance can be a valuable addition to a general insurance policy, providing you and your family with a range of legal help and support.

Commercial legal expenses insurance

Providing your business with legal help and support, commercial legal expenses insurance could be a valuable addition to your business insurance policy.

Learn more
Motor legal expenses insurance

Motor legal expenses insurance could be a valuable addition to a motor insurance policy, providing you with a range of legal help and support.

Learn more
  • Family
Where can I buy family legal expenses insurance?

Family Legal Expenses Insurance is typically sold as an add-on product to a buildings and/or contents insurance policy. You may therefore be offered this cover by an insurance company or a broker.

What can I call the legal helpline about?

Our legal helpline can give you confidential legal advice on a range of personal legal issues.

How often can I call the legal advice helpline?

As often as you need; there are no limits on how many times you can call.

Can I claim for a problem that started before I bought the policy?

No, you can’t claim for legal disputes that started before the date your cover began. Also, in some cases – for example, employment, contract and debt claims – you may not be covered for disputes arising within the first 90 or 180 days of the policy.

Can I claim for costs I’ve incurred before making a claim?

No; it’s important that you speak to us as soon as possible after a dispute arises so we can discuss the best way to proceed. We will not cover any costs you incur before we have agreed to cover your claim, such as the cost of consulting your own lawyer.

Can I choose my own lawyer?

We’ll usually appoint a lawyer from one of our preferred law firms on the basis of their expertise to deal with your claim. However, there are instances where you have the right to choose your own lawyer – such as if court proceedings are issued or there’s a conflict of interest. It’s important to know that if you do choose your own lawyer we will only pay them the same amount as we would pay our preferred lawyers – currently £100 per hour.

What countries would this insurance cover me in?

This depends on the type of cover you have; some policies will only cover you in the United Kingdom, the Isle of Man and the Channel Islands, while others could cover you elsewhere in the European Union and other European countries.

This also depends on the kind of incident which needs to be covered; for example, a policy might only cover employment disputes in the UK while covering personal injury claims made in other EU countries. You should check your policy documents to see what is covered and in which countries.

Will this insurance cover disputes related to a property I am letting out?

No, the cover will only cover disputes related to your main home; legal disputes related to tenants and letting out property could be covered by property let legal expenses insurance.

Will this insurance cover motor disputes?

No, family legal expenses insurance will not cover any motor-related matters, such as contract disputes related to motor vehicles or personal injury claims for car accidents. Claims such as these could be covered by motor legal expenses insurance.

2019 DAS UK announces sale of Republic of Ireland operations to ARAG

DAS UK Group has agreed to sell its business in the Republic of Ireland to ARAG.

February 2019
Events , 2019 Insurance Institute of Northern Ireland’s Premium Masterclass Series – 28th February

The Insurance Institute of Northern Ireland’s Premium Masterclass Series – sponsored by DAS UK Group – is holding the fourth in a series of six thought leadership events at the Clayton Hotel in Belfast at 8:30am this Thursday.

February 2019
2019 , Consumer advice It didn’t work out…but who gets to keep the ring?

If your engagement is broken off, who gets to keep the ring? And if you’re cohabitating, who stays and who moves out?

February 2019
2019 , Consumer advice Unwanted gift? Panic purchase? You have options

Can you simply go back into the shop and exchange the gift, or get a refund? And are shop owners obliged to offer a refund?

January 2019
GDPR , 2018 , LEI news insights , Innovation So, what did we learn in 2018? And – dare I ask – what challenges await us in 2019?

Brendan Little, Head of Sales and Marketing at DAS Ireland, shares some thoughts ahead of what promises to be another interesting year.

December 2018
2018 , Consumer advice The importance of social media policies in the workplace

Vivienne Matthews O Neill, Barrister at Law for DAS Ireland, looks at social media policies and why employers should have them.

November 2018
2018 , LEI news insights , Consumer advice Legal expenses insurance: a legal guardian for legal guardians

When the subject of insurance is raised, people tend to think about the protection they can purchase for life’s accoutrements such as cars and houses. But what about the far more valuable things inside them?

November 2018
2018 , LEI news insights , Products Legal expenses insurance products are all pretty much the same, right? Look closer

At a glance they may seem similar, but careful scrutiny of the products on the legal expenses insurance (LEI) market will reveal stark differences.

October 2018
2018 , LEI news insights , Innovation Time to innovate, and embrace the rise of the robots

Adrienne O’Sullivan, CEO at DAS Ireland, considers insurance innovation and the insurtech movement.

September 2018
GDPR , 2018 GDPR is now in force - did businesses do enough to prepare?

General Data Protection Regulation (GDPR) came into force on 25th May 2018. Are businesses now compliant? Are directors and compliance staff sleeping easily?

August 2018
2018 , LEI news insights Dublin Up - An overview of the Irish insurance market today

Adrienne O’Sullivan, CEO, DAS Ireland shares her thoughts on the Irish insurance market today

June 2018
2018 DAS Ireland CEO honoured by Insurance Institute of Dublin

Adrienne O’Sullivan, CEO of DAS Ireland, has become the first woman to receive the Insurance Institute of Dublin’s annual President’s Award.

March 2018
2018 DAS view on motor insurance database

Adrienne O’ Sullivan, CEO of DAS Ireland, has commented on the government’s plan to introduce a database of motor insurance claims.

January 2018