Family legal expenses insurance

Family legal expenses insurance could cover your legal costs in the event of a dispute relating to your home, your employment, a personal injury or a transaction for goods or services.

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What can it help you with?

Personal legal expenses insurance explained

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Problems at work

If you are unfairly dismissed or discriminated against, family legal expenses insurance provides access to expert legal advice to help you understand your rights and options. If the issue goes to tribunal, family legal expenses insurance could also provide cover for legal representation and costs in the event of a claim.

Protecting your home

If you are faced with a dispute relating to your home, for instance, a neighbour’s tree causing damage to your property, family legal expenses insurance will provide access to expert legal advice to help you resolve your dispute. Should it go to court, family legal expenses insurance could also provide cover for legal representation and costs.

Protecting your consumer rights

If you buy a faulty sofa and the seller is reluctant to put it right, family legal expenses insurance provides access to expert legal advice to guide you through the situation and help you understand your rights.

Personal injury that wasn't your fault

If you have suffered injury from clinical negligence or an accident that was't your fault, family legal expenses insurance could provide expert legal advice and representation to help you claim compensation.

Cover for legal costs

A family legal expenses insurance policy could pay up to a typical amount of £50,000 per claim to cover your legal costs and expenses, and the other person’s legal costs if you lose. Check your insurance policy for further information on indemnity limits.

Telephone legal advice

Access to telephone legal advice to help understand your rights and options on family legal matters.

Legal document drafting

Family legal expenses insurance also provides access to hundreds of legal documents using our smart legal document builders. So whether you want to apply to your employer for flexible working rights, or challenge a parking ticket, this service has everything you need to get started.

What wouldn't be covered?

  • Issues that started before you bought the policy.
  • Legal costs paid out before your claim gets accepted.
  • Claims which lack reasonable chances of success.
  • Anything specifically excluded from a policy.

Where can you buy it?

You can’t generally buy legal expenses insurance directly; most policies are purchased as additional services through home or motor insurance providers. Remember to check the cover you already have in place before adding family legal expenses insurance to a new insurance policy; you may already have it on another policy.

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If you’d like more information about family legal expenses insurance have a look at our FAQs or speak to your insurance adviser.

Family FAQs

Family legal expenses insurance can be a valuable addition to a general insurance policy, providing you and your family with a range of legal help and support.

Commercial legal expenses insurance

Providing your business with legal help and support, commercial legal expenses insurance could be a valuable addition to your business insurance policy.

Learn more
Motor legal expenses insurance

Motor legal expenses insurance could be a valuable addition to a motor insurance policy, providing you with a range of legal help and support.

Learn more
Home emergency insurance

If something happens to damage your home or render it uninhabitable, Home Emergency could be there for you.

Learn more
  • Family
Where can I buy family legal expenses insurance?

Family Legal Expenses Insurance is typically sold as an add-on product to a buildings and/or contents insurance policy. You may therefore be offered this cover by an insurance company or a broker.

What can I call the legal helpline about?

Our legal helpline can give you confidential legal advice on a range of personal legal issues.

Will this insurance cover disputes related to a property I am letting out?

No, the cover will only cover disputes related to your main home; legal disputes related to tenants and letting out property could be covered by property let legal expenses insurance.

Will this insurance cover motor disputes?

No, family legal expenses insurance will not cover any motor-related matters, such as contract disputes related to motor vehicles or personal injury claims for car accidents. Claims such as these could be covered by motor legal expenses insurance.

How often can I call the legal advice helpline?

As often as you need; there are no limits on how many times you can call.

Can I claim for a problem that started before I bought the policy?

No, you can’t claim for legal disputes that started before the date your cover began. Also, 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.

Can I claim for costs I’ve incurred before making a claim?

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, such as the cost of consulting your own lawyer.

Can I choose my 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.

What countries would this insurance cover me in?

This depends on the type of cover you have; some policies will only cover you in the United Kingdom, the Isle of Man and the Channel Islands, while others could cover you elsewhere in the European Union and other European countries.

This also depends on the kind of incident which needs to be covered; for example, a policy might only cover employment disputes in the UK while covering personal injury claims made in other EU countries. You should check your policy documents to see what is covered and in which countries.

News and insights

Innovation DAS launches new suite of commercial products

DAS UK Group, the UK’s leading legal expenses insurer, has launched a new suite of commercial products that will be available on the company’s new quote and buy web portal – DAS Connect – which goes live today.

July 2018
DAS Connect goes live

DAS UK Group has launched DAS Connect, a brand new quote and buy web portal that will enable brokers to quote, buy, adjust and renew DAS products online.

July 2018
A golden opportunity for ATE to innovate

Enrique Gomez, Head of ATE at DAS UK Group, looks at how the time is right for innovation in the ATE sector.

July 2018
2018 , Events Innovate, Evolve, Tweet - An outsider's view of #BIBA2018

Last month, whilst many DAS UK people were coming down with a case of #BIBAfever, our social media executive, Josh Gater, was kept in deskbound quarantine, with a serious job to do. His task was monitoring the social media activity around the event.

June 2018
2018 , Innovation , Events DAS UK Group makes significant investment in E-Trade for brokers

Ahead of BIBA 2018, DAS UK Group has announced a significant investment in its E-Trade capability to support brokers with the sale of commercial legal expenses insurance.

May 2018
2018 , LEI news insights , Innovation , Events DAS unveils stand line-up for BIBA 2018

This year DAS will be hosting the stand with HSB Engineering Insurance, which is part of Munich Re, the majority shareholder in ERGO.

May 2018
Alexa , Innovation 3 tips for winning with Alexa

Our Head of Strategy & Innovation at DAS UK Group shares some hard earned experience about developing and launching your own Amazon Alexa skill.

February 2018
Alexa , Innovation DAS announces new Alexa skill for Amazon Echo

DAS UK Group has become the world’s first legal expenses insurer to launch an innovative new Alexa skill for the Amazon Echo.

January 2018
IPT Announcement – June 2017 Rate Change

The standard rate of Insurance Premium Tax (IPT) rose by 2% from 10% to 12% with effect from 1st June 2017.

January 2018
LEI news insights DAS Partners with VM Insurance to Create Bespoke Motorhome and Campervan Product

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.

December 2017
Recovery of post-LASPO ATE premiums: an underwriter’s perspective

Despite post-LASPO after-the-event insurance (ATE) policies being more relevant now than ever in terms of access to justice, their premiums receive criticism.

December 2017
LEI news insights Insurance industry facing challenges to improve understanding of legal expenses insurance

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.

October 2017
LEI news insights Personal injury reforms could spark increased demand for motor LEI

Legal expenses insurers will pick up the baton as Ministry of Justice whiplash reforms reduce access to justice for many.

March 2017