Legal Expenses

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Cover explained. Plain talking. No jargon

Legal Expenses

What is Legal Expenses?

This is a product designed to help you have access to legal representation should it be needed. Not every eventuality is covered but many of the common disputes are.

This is a product that is rarely discussed by clients and one that definitely deserves more attention.

Who can get legal expenses cover?

Individuals, families, homeowners, business and motorists.

Do I need this cover?

This is an individual decision but if legal expenses cover is available and reasonably priced, we would advise to purchase it because we have seen some of our clients benefit greatly from the product.

We have unfortunately, also seen some clients be frustrated by this cover.

Why?

Because ultimately legal expenses insurers will (usually) only provide cover when there is a greater probability of success than not. Some of us refer to this as the 50/50 clause. This means there needs to be a 51% chance of success for cover to be provided. This can prove a source of frustration for clients, especially when this is not explained.

Who decides if there is a good chance of success?

Usually it is decided by the legal representation which is provided by the insurers.

I would like to find out more

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