Personal legal expenses insurance could help you and your family with a number of legal issues, depending on what cover you have.
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Legal expenses insurance can help you with a number of legal issues affecting your business.
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In response to some general criticism of Legal Expenses Insurance (LEI) in the press recently, Nathan Holt, Head of Trading Underwriting at DAS UK, sets the record straight…
A consumer piece in one of the weekend broadsheets caught my eye recently. It’s not that often that LEI makes the big papers, so this jumped out at me – albeit not for the right reasons. The article began as a description of the negative experience of one specific customer but then went on to be fairly broadly critical of LEI as a whole, which was actually really disappointing to read.
Working in the insurance industry, I can completely sympathise with the customer, but I firmly believe that not all LEI products are created equal and, in the current litigious society, a good quality LEI product will offer affordable access to justice that wouldn’t otherwise be available.
I also can’t help but feel that in cases such as the one mentioned – where a customer was reportedly “passed from pillar to post” with nobody providing help – that not only has the customer been let down but so has the primary insurer.
As LEI is often a white labelled ‘add-on’ product it is fundamental that your LEI provider understands that they are responsible for the reputation of not only their own brand, but also that of the main insurance provider.
If you are an LEI provider, it is also fundamental that you support your customers during their hour of need – as DAS UK does – through legal advice, online legal services, or ultimately of course, litigation if it’s necessary.
A situation can also arise when a business partner changes their LEI provider – LEI can be written on either a ‘claims made’ or a ‘claims occurred’ basis with the former often offering a very small claims window.
This can be particularly unsuitable in a long tail class of business and can often result in a customer being passed between LEI providers before finding that neither can help as they have changed providers since the incident that resulted in a legal dispute – a poor resolution and customer experience mess.
This is very unfair to the customer which is why we offer our policies on a ‘claims occurred’ basis to make sure the customer continues to have cover for that period even if they chose to move insurers.
The article also criticised the outsourcing of such services, asserting that it is confusing and makes life difficult for the customer. I would argue quite the contrary, provided you have a comprehensive service proposition and the right LEI provider.
Legal disputes and the expenses that can arise have the potential to be very complex and expensive matters, and it is vital that these services are provided by appropriate experts supported by suitable literature.
It should always be clear within a customer’s documentation who is providing these services and our general experience with customers shows that as long as you take ownership, show compassion for their issue, and provide expert, clear and honest advice then they generally have no issue with a service being outsourced. This again demonstrates the importance of partnering with the right LEI provider.
As we’ve spoken about before, the value and quality of legal expenses policies can vary greatly. Some offer limited value to a customer, having numerous waiting periods, limited claims windows or restrictive cover. With policies like these, even if you have a valid insurable dispute, it may be impossible to make a claim due to an economic exclusion clause (where the amount in dispute is less than the legal costs to pursue).
As an industry expert, this saddens me but I am proud that this is not the type of LEI provided by DAS UK. As a company we are proud of the quality of our offering, delivering and improving our products and removing barriers to better align customers and business partner expectations with the products and propositions we offer.
For us, both of our customers are important; the policyholder who has purchased the product and expects us to help when they have a legal query or dispute, and the business partner to whom we have been entrusted to provide this promise to their valued customer.
Come and connect with us at BIBA19. DAS UK Group will be at stand F39 – see you there.
Two years on the government’s consultation on fixed recoverable costs, ATE Underwriting Manager David Brown restates the DAS position on this highly complex issue.
Fran Clothier, DAS UK Group’s ATE Business Partnership Manager, shares her thoughts on the thought provoking annual SCIL (Society of Clinical Injury Lawyers) conference which took place in Birmingham recently.
Nathan Holt, Head of Trading Underwriting at DAS, looks at how things could end up for landlords in the unknown post-Brexit landscape.
BIBA 2019: Did it lead the way on social?
BIBA19: Tweeting the way
With the AvMA Annual Clinical Negligence Conference (ACNC) taking place in Leeds this week, Robyn Lampon from DAS UK Group looks at how ATE insurance has evolved over the last 20 years.
Now that the BIBA bubble has burst for another year, Social Media Executive Steph Davies takes a look back at BIBA 2019 and asks: Was it a success on social?
In response to some general criticism of Legal Expenses Insurance (LEI) in the press recently, Nathan Holt, Head of Trading Underwriting at DAS UK, sets the record straight.
Ahead of BIBA 2019, Stephanie Davies – Social Media Executive at DAS UK – takes a look at how social media can be used to make an impression and maximise value from the biggest insurance broker event of the year.
We will be sharing stand F39 with HSB Engineering Insurance – another member of the Munich Re family of companies – at the 2019 BIBA conference.
Enrique Gomez, Head of ATE at DAS UK Group, looks at how the time is right for innovation in the ATE sector.
This year DAS will be hosting the stand with HSB Engineering Insurance, which is part of Munich Re, the majority shareholder in ERGO.
DAS UK Group, the UK’s leading legal expenses insurer, has partnered with campervan and motorhome insurance specialist VM Insurance to provide a bespoke motor breakdown scheme for motorhomes and campervans.
A survey of 250 UK insurance brokers by DAS UK Group, the UK’s leading legal expenses insurer, has found that the insurance industry is still faced with challenges when it comes to the understanding and selling of legal expenses insurance.
Legal expenses insurers will pick up the baton as Ministry of Justice whiplash reforms reduce access to justice for many.