Legal Expenses Insurance

Legal expenses insurance covers legal costs for disputes including employment tribunals, personal injury claims, property disputes, and HMRC tax investigations. Typically just £20-£30/year as an add-on to home or car insurance.

Legal expenses insurance covers the cost of legal representation in a defined range of disputes: employment disputes, property disputes, personal injury claims, and contract disputes are commonly included. Many home insurance, car insurance, and bank account policies include basic legal expenses cover — check existing policies before purchasing standalone cover to avoid duplicating cover you already have. The defined dispute types and legal costs limit vary between policies. Maximum covered legal costs of £25,000 to £50,000 are typical; more complex disputes can exceed these limits. Claims must typically have a reasonable prospect of success (usually 51% or better) to be approved. Legal expenses insurance is not the same as having a solicitor on retainer — it covers only specified dispute types and requires insurer approval before legal costs are incurred.