Family legal protection on house insurance

mirry

I just got my new quote and it's says £25.99 for family legal protection. I'm not sure what this is for or is it needed?

InsideInsurance

What is for, typically is:

1) 24/7 legal advice on any topic

2) Pursuing, and sometimes defending, a claim on one of the below topics
a) Employment law
b) Consumer contracts
c) Property disputes
d) Personal injury

So if you feel you have been unfairly dismissed or that a dealer sold you a lemon of a car then they will represent you in a case as long as they feel you have reasonable prospects of success.

A No Win No Fee solicitor may also represent you on larger cases (or anything with injury) but would be entitled to keep a percentage of your winnings.

Smartozer

Probably a silly question but if I took out legal protection with my car insurance do I need to take it out with my home insurance - or is it the same thing?

magpiecottage

Smartozer wrote: »

Probably a silly question but if I took out legal protection with my car insurance do I need to take it out with my home insurance - or is it the same thing?

Typically legal protection on your car insurance will cover only motoring matters.

InsideInsurance

Smartozer wrote: »

Probably a silly question but if I took out legal protection with my car insurance do I need to take it out with my home insurance - or is it the same thing?

As above, Motor LE is explicitly for incidents related to the vehicle the policy it attaches to covers. So (a) Home and Motor explicitly exclude each others cover and (b) You "need" a Motor LE policy for each insurance policy you have

jpickles1

I have a query as am in the process of renewing insurance and have family legal protection [FLP] for the previous yr and will renew on my next policy but am worrying that if as I suspect a property issue is identified as requiring FLP that the source of this might predate the next policy, and just wonder which FLP team I would approach. Would it be better to stick with the same insurance firm and stomach the added cost of not being on the best deal; I can buy a policy that is £100 on the new insurance. Ahh! Any advise appreciated. Thank you.

dacouch

What sort of Household issue do you have?

Have you checked that this would definitaly be covered by your current or new Insurer?

Have you checked the periods each policy would require you to report claims in

csgohan4

Legal protection on home insurance only comes into play if you have more than 50% prospects of winning a case, they will not defend you if you are going to lose.

AnotherUserName

I have Legal Protection with Home Insurance. I tried to claim on it as I am moving house and at the last minute a builder sent an email telling me to tell the buyer that he owns my path. He has no evidence whatsoever, he simply did it in the hope that I would agree to do that so that he could claim it, rather than risk the sale falling through. I have been through the original planning consent, architects plans, contacted the previous owners of the land, researched Case Law relating to Boundaries etc. In short his claim is completely without foundation. He just wants the land for free.
In order to deal with him I contacted the Legal Assistance firm, but what do they do? They send me a paragraph from page 25 of the policy booklet that says that I am not covered for any claim relating to the property??

“Legal costs for pursuing a legal claim and/or arrangement of mediation for a dispute relating to your property which you own or is your responsibility”



There is only cover within the above section to pursue a legal action, there is no cover for defence of a legal action, nor is there cover for boundary clarification.



I suggest that anyone who thinks that they have legal cover under their policy takes a close look. This is a get out clause that no mere mortal would understand the implications of. In short, there is no legal cover, they could quote that paragraph no matter what the claim was, and walk away.

csgohan4

AnotherUserName wrote: »

I have Legal Protection with Home Insurance. I tried to claim on it as I am moving house and at the last minute a builder sent an email telling me to tell the buyer that he owns my path. He has no evidence whatsoever, he simply did it in the hope that I would agree to do that so that he could claim it, rather than risk the sale falling through. I have been through the original planning consent, architects plans, contacted the previous owners of the land, researched Case Law relating to Boundaries etc. In short his claim is completely without foundation. He just wants the land for free.
In order to deal with him I contacted the Legal Assistance firm, but what do they do? They send me a paragraph from page 25 of the policy booklet that says that I am not covered for any claim relating to the property??

“Legal costs for pursuing a legal claim and/or arrangement of mediation for a dispute relating to your property which you own or is your responsibility”



There is only cover within the above section to pursue a legal action, there is no cover for defence of a legal action, nor is there cover for boundary clarification.



I suggest that anyone who thinks that they have legal cover under their policy takes a close look. This is a get out clause that no mere mortal would understand the implications of. In short, there is no legal cover, they could quote that paragraph no matter what the claim was, and walk away.

Name and shame that insurance company, what a rubbish clause

OnanTheBarbarian

I will say it over and over again, the purpose of the vast number of legal protection policies are as follows:

1- Earn a sizeable chunk of mark up for whoever sold you the policy
2- Earn money from service providers instructed to help the policyholder (motor policies)
3- Avoid like the plague the possibility the underwriters of such policies ever take a financial hit.

It is any reason the insurance industry squeeled like pigs when there was a notion fronted that perhaps they should disclose loss ratios and pay out ratios on such policies?