Personal legal expenses insurance could help you and your family with a number of legal issues, depending on what cover you have. This site can help you learn about legal expenses insurance, how to get it, and how to use it if you have it.
See what we offer to our people
Legal expenses insurance can help you with a number of legal issues affecting your business.
News and analysis from our experts
Many brokers and law firms have chosen to partner with DAS. Here you can find out why our partners choose us, and how you can join them.
We've now made it even easier for customers to make a claim. Here you can find out how.
Commercial legal expenses insurance is usually sold alongside other commercial insurance products and can be included as part of a wider commercial package policy wording, or sold individually with its own separate policy wording.
Dependant on the policy you have, commercial legal expenses insurance may pay for:
No, you can’t claim for legal disputes that started before the date your cover began. And in some cases – for example, employment, contract and debt claims – you may not be covered for disputes arising within the first 90 or 180 days of the policy.
No – it’s important that you speak to us as soon as possible after a dispute arises so we can discuss the best way to proceed. We will not cover any costs you incur before we have agreed to cover your claim – for example, the cost of consulting your own lawyer.
We’ll usually appoint a lawyer from one of our preferred law firms on the basis of their expertise to deal with your claim. However, there are instances where you have the right to choose your own lawyer – such as if court proceedings are issued or there’s a conflict of interest. It’s important to know that if you do choose your own lawyer we will only pay them the same amount as we would pay our preferred lawyers – currently £100 per hour.
You’re covered in the UK, Isle of Man and Channel Islands on all the elements of cover listed above. You’re also covered for some legal defence and personal injury claims in certain European countries. For full details please refer to the ‘countries covered’ definition within your policy wording.
Our legal helpline can give you confidential legal advice on a range of commercial legal issues.
As often as you need; there are no limits on how many times you can call.
Commercial legal expenses insurance could cover a number of legal costs that your general business insurance won’t cover. For example, commercial legal expenses insurance can help you pursue a claim over a contract dispute with a supplier.
Many commercial legal expenses insurance policies will offer assistance in recovering unpaid debt, however the amount in dispute must be over £200 (including VAT).
No; this insurance will not cover you for any claims involving motor vehicles, unless your business is engaged in the business of selling motor vehicles.
Learn more about legal expenses insurance
We share two case studies highlighting the benefits of ATE insurance.
DAS has announced that it will be showcasing a suite of legal risk-mitigation product extensions at this year’s British Insurance Brokers' Association (BIBA).
Carol Parsons, Head of ATE at DAS, explains the difference between After the Event and Before the Event Legal Expenses Insurance.
DAS and Maxima have launched ‘Optimise’, a new clinical negligence/personal injury scheme aimed specifically at smaller legal practices.
DAS and Pattinson & Brewer have announced a new partnership to provide a bespoke clinical negligence product for the practice’s clients.
DAS has been chosen by Smith Partnership to provide a bespoke clinical negligence product for the practice’s clients.
DAS has been chosen by Covéa Insurance to provide a cyber insurance product as part of its HNW Home Insurance offering.
DAS has broadened its partnership to provide a bespoke home emergency product for Hiscox home insurance customers.
Rebecca Squires, ATE Technical Supervisor, DAS UK Group looks at the landmark MIB v Lewis case. DAS UK provided Thompsons Solicitors, which acted for the claimant, with its ATE Personal Injury product to help fund the case…
Alison Whitcombe, Propositions Manager at DAS, looks at how the ATE industry can do more to help clients and customers.
Jane Harper, ATE Technician, DAS UK Group looks at the ABC v St George’s Healthcare NHS Foundation Trust case which will have huge repercussions for clinical negligence.
DAS UK Group, the UK’s leading specialist legal expenses insurer, has announced a partnership with Simply Business, one of the UK’s largest small business and landlord insurance providers.
Legal expenses insurance has a major part to play in giving people and SMEs everyday peace of mind, now more than ever before.