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
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Death or bodily injury as a result of a sudden and specific event.
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Medical treatment which causes death or injury
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Breach of legal rights to owning or using your permanent home
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An event that causes damage to your home or property in the home
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Against your employer at a tribunal following breach of contract
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Loss of money due to the way personal information is used or stored
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Breach of contract for buying selling goods or services (including the home)
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Defending your legal rights after any event that results in criminal proceedings relating to owning or using a motor vehicle
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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
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The excess
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Costs incurred before acceptance of claim
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Costs not agreed
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Death or injury arising from driving a motor vehicle
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Property damage - mining and subsidence
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Contracts less than £100, business activities, tenancy agreements
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Fines and penalties
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Redundancy pay
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Disputes with local authority regarding use of, damage to or services provided
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Disputes between you and Zurich, anyone living with you or with whom you have lived
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Judicial reviews
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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.