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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A policy you can buy to cover the costs of a legal dispute after it has arisen. This type of insurance is usually provided alongside a ‘no win no fee’ agreement with a legal firm.
A company that sells products on behalf of an insurance company. Also known as intermediary.
A limit on the amount an insurer will pay out in total under a policy. For limits on individual claims, see limit of indemnity.
A legal firm appointed by a legal expenses insurance company to act on your behalf.
A lawyer, accountant or other qualified person appointed by a legal expenses insurer to act on your behalf.
What you would probably think of as “normal” insurance; it is legal expenses insurance that is purchased before anything that would lead to a claim has happened to protect you from the cost of problems in the future.
A unique reference number an insurance company will provide to you to identify your claim.
The general area of law that a claim relates to; for example, a contract dispute or an employment dispute.
A situation where self-interest and professional or public interest clash – for example, when the same law firm is representing both parties in a dispute.
This can include a range of different things that your legal expenses insurer may pay for, including your representative’s fees, court fees, the costs of experts, legal costs if you are ordered to or agree to pay them.
The amount that you have to pay towards the cost of any claim. Your policy wording will specify how much your cover excess is. Also known as policy excess.
The date that action that leads to a claim takes place. For example, the date of accrual for a contract dispute would be the date that the contract was breached and not the date that you became aware of the breach.