Legal protection for the family, covering a wide range of legal problems. Policy cover is offered alongside or automatically included within a home insurance policy through a broker or insurer scheme. Elements of the Family Legal Protection policy are as follows:

Your Employment Protection

  • Disputes with a current, former or prospective employer regarding an insured person’s contract of employment or related legal rights.

Protecting Your Property

  • Actions following nuisance or trespass.
  • Pursuit of a claim for damages following an event causing physical damage to the policyholder’s property.

Tax Enquiries

  • Representation in an investigation by HMRC into an insured person’s personal tax affairs.

Consumer Contract Disputes

  • Disputes with a person or organisation providing defective consumer goods or services and defence of claims brought by a person to whom private consumer goods have been sold.
  • Disputes with the policyholder’s landlord over the renting of their home.
  • Disputes over the purchase or sale of the policyholder’s main home.

Personal Injury

  • Pursuit of a personal injury claim on behalf of an insured person.

Clinical and Medical Negligence

  • Pursuit of a claim on behalf of an insured person following an identified act or negligent surgery or medical procedure.

Defence of Your Legal Rights

  • Defence of an insured person’s legal rights in work-related criminal prosecutions.
  • Defence of civil action for unlawful discrimination or breaches of Section 13 of the Data Protection Act.
  • Regulatory or professional body disciplinary hearings.
  • An insured person’s lost salary or wages whilst attending jury service or as a witness in a claim under the policy.

Identity Theft Assistance

  • Assistance to help restore an insured person’s identity and defending legal actions arising from an insured person’s identity theft.

Personal Legal Advice Helpline

  • Advice over the phone on any personal legal problem under the laws of the UK, Isle of Man or the Channel Islands.

Personal Tax Advice Helpline

  • Advice over the phone on personal tax matters under the laws of the UK, Isle of Man or the Channel Islands.

Identity Theft Advice

  • Advice and guidance on keeping personal identification safe and secure.

Counselling Helpline

  • Telephone counselling on matters causing distress and anxiety.

Limit of indemnity

  • The standard limit of indemnity is £50,000 per claim.

Territorial limit

  • The cover applies throughout the UK, the Isle of Man and the Channel Islands. Certain covers are also extended to member states of the EU, Norway and Switzerland.