Das Legal Expenses

SPENCER

Has anyone ever used this kind of insurance and did you think it ws worth it?.

We have it on our house insurance. anyway, we have a dispute which we were hoping to obtain legal assistance to resolve. We have been told by Das that as we did not inform them withing 180 days of becoming aware of the dispute we are not covered.

I find this ridiculous,.At the time we did not think it would require legal action and thought the dispute would get resolved which is why we never even thought of informing Das.

Does this therefore mean that anyone with this cover who has a dispute has to inform Das just in case that in the future you might need to sue over it?.

Why would Das be interested at that stage if you were not even considering legal action, what is the point?.

Any advice would be appreciated.
Thanks

Bossyboots

DAS are one company I wouldn't touch with the longest bargepole in the world.

Thats neither here nor there though, with most insurance of this type you are expected to notify insurers of any incident which could POTENTIALLY lead to a dispute requiring legal cover and the 180 day time limit sounds about the norm.

We have to notify our liability insurers at work of anything that could become a dispute. The number of notifications in the year no doubt dictates how inflated our renewal premiums are.

Also, they need to know what their potential liabilities are.