Personal legal expenses insurance could help you and your family with a number of legal issues, depending on what cover you have.
This site can help you learn about legal expenses insurance, how to get it, and how to use it if you have it.
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Legal expenses insurance can help you with a number of legal issues affecting your business.
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Property let legal expenses insurance could provide affordable access to justice if you risk losing money over a legal problem with your rental property.
Property let legal expenses insurance could cover a number of different issues, including:
It also gives you access to a legal advice helpline, for advice and information on a range of personal legal issues.
It’s important to bear in mind that policy cover and limitations can vary between different providers. Typical exclusions and limitations include:
We offer a number of different products; for example, more comprehensive policies will offer extra areas of cover, including cover for contract disputes and tax protection.
If you want to know more about what we offer and discuss which of our property let products would be suitable for your customers, please get in touch.
Peace of mind for landlords
Peace of mind for landlords
Providing your business with legal help and support, commercial legal expenses insurance could be a valuable addition to your business insurance policy.
Motor legal expenses insurance could be a valuable addition to a motor insurance policy, providing you with a range of legal help and support.
If something happens to damage your home or render it uninhabitable, Home Emergency could be there for you.
It is usually sold as an add-on product to a buildings and/or contents insurance policy for landlords. You should check your policy documents to see if you have cover before buying this type of product as you may already be covered.
If you are trying to get a possession order to evict your tenant(s), some policies may cover hotel expenses up to a limit of a maximum number of days; typically this is around 30 days. For specific limitations you should check your policy documents.
Most policies will help you recover rent whether the tenant has vacated the property or is still in residence. Different policies will vary on what they can do; your policy could cover the legal costs of recovering the rent, and it may also pay your rent arrears if the tenant is still in the property. Your policy documents can tell you what your policy will cover.
Certain policies may set out specific limitations such as the period of rent arrears need to be more than 30 days, or cover limitation preventing claims within the first 90 days of the cover. You should check your policy documents for any specific limitations.
If your tenant falls into arrears your policy can start to help once the arrears reach 30 days or more in age. Most policies will not cover you if a dispute over rent is already in place before your cover starts. You should check your policy documents for any specific limitation on cover.
Where legal advice lines are included within the policy, you can call for expert legal advice without any time restrictions to gain advice and guidance.
Dependant on the policy, there may be limitations to the amount in value of rent arrears that your policy will pay, this could include up to a set percentage of the monthly rent and the maximum period of time which you may be covered.