Home Insurance - legal expenses
A home insurance policy may offer a legal expenses
section. Some brokers may sell add-on legal expenses insurance to their
own home insurance policy when you may already have similar cover under
your home insurance policy - or your home insurance policy can include it
very cheaply.
Home insurance legal expenses cover.
Under a home insurance policy cover is
provided normally for events in the UK, there is usually an excess. Not
all eventualities are covered - usually in a personal capacity only, the
following are examples
-
Death or bodily injury as a result of a
sudden and specific event.
-
Medical treatment which causes death or
injury
-
Breach of legal rights to owning or
using your permanent home
-
An event that causes damage to your
home or property in the home
-
Against your employer at a tribunal
following breach of contract
-
Loss of money due to the way personal
information is used or stored
-
Breach of contract for buying selling
goods or services (including the home)
-
Defending your legal rights after any
event that results in criminal proceedings relating to owning or using
a motor vehicle
-
Representing you after a notice of
enquiry by the Inland revenue under 9a Taxes Management Act 1970
(providing you keep to legal requirements for keeping records and
returning forms)
Typical exclusions
-
The excess
-
Costs incurred before acceptance of
claim
-
Costs not agreed
-
Death or injury arising from driving a
motor vehicle
-
Property damage - mining and subsidence
-
Contracts less than £100, business
activities, tenancy agreements
-
Fines and penalties
-
Redundancy pay
-
Disputes with local authority regarding
use of, damage to or services provided
-
Disputes between you and Zurich, anyone
living with you or with whom you have lived
-
Judicial reviews
-
Libel and slander
This is a guide only. As is usual - refer
to your own policy or ask your broker if you have any queries about the
cover under your own policy.
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