Protect
By simply adding Legal Protection Insurance to your household policy you can have the knowledge that you are covered by one of the most experienced providers in the market who will support you through the process by giving assistance on the best way to resolve your claim. We can take care of the following:
| Protect – Family Legal Protection Insurance | |||
| Limit of indemnity | Areas of cover | Significant exclusions or limitations |
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| £50,000 | Personal Injury | We will pay up to £50,000 of your legal costs to claim compensation after an event that was not your fault and which causes death or bodily injury. | Any claim relating to you driving a motor vehicle. Any claim relating to medical treatment. Claims where you do not have a reasonable chance of winning. |
| £25,000 | Clinical Disputes | We will pay up to £25,000 of your legal costs to claim compensation if medical treatment results in your death or bodily injury. | Claims where you do not have a reasonable chance of winning. And within the territorial limit, described in the Definitions section of the policy wording within the policy information booklet. |
| £25,000 | Consumer Contract | We will pay up to £25,000 of your legal costs if you have a dispute over something you’ve bought, sold or rented, or a service you’ve paid for. We will pay these costs if you are taking legal action against somebody else, or if somebody is taking legal action against you. |
Any contract to do with your business. Any consumer contract claim if you are claiming less than £100. Any contract to do with motor vehicles or their parts and accessories. Any consumer contract dispute which starts within three months of the date the policy starts, unless the claim is for goods or services you bought after the start of the policy. Anything to do with building, converting or extending your home. Claims where you do not have a reasonable chance of winning. |
| £25,000 | Employment Contract | Legal costs to have a solicitor or other person represent you at an employment tribunal, if your employer breaches your contract of employment | Any dispute that cannot be dealt with by an employment tribunal. Any dispute you have over redundancy. Claims where you do not have a reasonable chance of winning. Any claim to do with subcontracting or a contract for services if you are self employed. |
| £2000 | Mediation | If you are having a dispute with a neighbour over noise, access to your home or a boundary, we will pay for an independent mediator to try and reach a satisfactory solution for both sides. We will pay for up to 5 hours (up to £2000) for both parties to see a mediator |
The dispute must relate to your permanent home. |
| Medical Consultation Service | 24 hour telephone medical advice. We will arrange for you to see a doctor if you are away from home and become ill, or we will pay up to £100 towards private consultation. |
Any claims directly or indirectly caused by dangerous sports or activities or any event that happens if you have been away from your home for more than seven days. Any of your expenses that we have not agreed to. |
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| Emergency Help at Home | 24 hour service. We will arrange for a skilled tradesman to come out for any emergency at home, such as a leaky roof or burst pipes |
You will have to pay for any work carried out. | |
| Counselling Service | If you have a personal problem and need to talk to someone about it, we have counsellors available to talk to you confidentially, 24 hours a day | The Counselling service is only available over the telephone. | |
| Lawphone | Telephone advice relating to any personal legal problem. | Advice is only available over the telephone. Advice only relates to personal legal problems. |
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This is only a summary of our benefits of cover, please
contact us for further information.
