Biba Logo landlord insurance from Portwood's - title picture Biba Logo
Landlord
Insurance
Unoccupied Property
Insurance

Buy to let
Insurance

Travel
Insurance
Over 65
Travel Insurance
Over 70
Travel Insurance
Over 75
Travel Insurance
Over 80
Travel Insurance
Protection
Insurance
Caravan
Insurance

Home Insurance - legal expenses

A home insurance policy may offer a legal expenses section. Some brokers may sell add-on legal expenses insurance to their own home insurance policy when you may already have similar cover under your home insurance policy - or your home insurance policy can include it very cheaply.

Home insurance legal expenses cover.

Under a home insurance policy cover is provided normally for events in the UK, there is usually an excess. Not all eventualities are covered - usually in a personal capacity only, the following are examples

  • Death or bodily injury as a result of a sudden and specific event.

  • Medical treatment which causes death or injury

  • Breach of legal rights to owning or using your permanent home

  • An event that causes damage to your home or property in the home

  • Against your employer at a tribunal following breach of contract

  • Loss of money due to the way personal information is used or stored

  • Breach of contract for buying selling goods or services (including the home)

  • Defending your legal rights after any event that results in criminal proceedings relating to owning or using a motor vehicle

  • Representing you after a notice of enquiry by the Inland revenue under 9a Taxes Management Act 1970 (providing you keep to legal requirements for keeping records and returning forms)

Typical exclusions

  • The excess

  • Costs incurred before acceptance of claim

  • Costs not agreed

  • Death or injury arising from driving a motor vehicle

  • Property damage - mining and subsidence

  • Contracts less than 100, business activities, tenancy agreements

  • Fines and penalties

  • Redundancy pay

  • Disputes with local authority regarding use of, damage to or services provided

  • Disputes between you and Zurich, anyone living with you or with whom you have lived

  • Judicial reviews

  • Libel and slander

This is a guide only. As is usual - refer to your own policy or ask your broker if you have any queries about the cover under your own policy.

Back to Home Page | Home contents insurance quotes

 

landlords insurance

Buy to let insurance and cheap single trip/ annual travel insurance is available from our home page.