Home Insurance - Legal Cover Open To Abuse By Insurer

TELLIT01

FoordyAnn said:

It’s all about opinions, our independent solicitor believed we had a greater than 55% chance of success - our insurance company solicitor believed we had less than 51% chance of success. If it’s always based on the opinion of the insurance company solicitor, they can always say it’s less than 51% to avoid paying costs. Hence, what’s the point of paying for legal cover if they are never going to say it’s greater than 51% chance of success. 

Your solicitor isn't independant, they are acting on your behalf so it's in their interest to state they believe you have a better than even chance of winning.  The insurance company's solicitor is acting for the insurance company.

The OP should have spoken to their insurer before acting, and tried to get agreement from them that if they did win their insurer would cover their costs.