Legal expenses cover is designed to protect you against the costs of being sued or having to make a claim against someone else in a range of circumstances.
The company providing the cover can take on the legal expenses involved in pursuing uninsured losses.
Always read the terms and conditions of the cover, but in addition to covering legal proceedings arising from the insured home policies can include:
- Personal injury
- Employment disputes, including unfair dismissal
- Provision of inadequate service
- Faulty goods
- Boundary disputes and other problems with neighbours
- Enquiries into your tax affairs
- Medical negligence
- Legal defence
- Property protection
- Jury service
Policies vary and you should check the terms and conditions, although there will be limits that are placed on the amount of legal expenses that will be paid out.