Legal Protection Insurance doesn't cover everything

Legal protection insurance is not like car or house insurance, it is not as straightforward as you might think.

Will I be covered for all claims

  • There is no guarantee your claim will be covered, it has to be assessed by them first
  • Insurer has to be satisfied you have a reasonable chance of winning, else you don’t get cover
  • They can drop your case at any time if they feel your chances of winning changes
  • The insured person might be the intermediary, not you. This means they decide which lawyer to appoint

Things to watch out for

  • Who is insured you or the intermediary/supplier. What happens if the intermediary goes bust
  • Is there an up front charge or excess when you make the claim
  • Are you covered for everything including damages and other party’s legal costs
  • What happens if their advice is wrong and it has cost you
  • What happens if you’re not happy with the lawyer, can you switch to your own lawyer

Following the Process

  • You must notify the insurer before taking any action
  • You need to get their go ahead before you do anything
  • You must follow exactly the advice given by them, your cover can be dropped if you don’t

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