What is legal expenses insurance?

Legal expenses insurance

Legal expenses insurance is a type of ‘add-on’ insurance designed to help protect you and your family against the impact of life’s unexpected legal challenges.

What is legal expenses insurance?

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If you find yourself in need of help, legal expenses insurance gives you access to a legal advice helpline and could also cover your legal costs, even if your case goes to court. It could provide cover for common issues like:

  • Unfair dismissal, or discrimination at work;
  • Injury from an accident that was not your fault; or
  • Disputes involving faulty goods or services.

How can it help me?

Legal expenses insurance can be an affordable way to help individuals, motorists and business owners get access to legal support when they need it

What it doesn’t do

Legal expenses insurance does vary between providers, but there are some things that it doesn’t generally help with. These might be:

  • Issues that started before you bought the policy;
  • Legal costs you pay for before your claim is accepted;
  • Claims where the likelihood of success or ‘reasonable prospects of success’ are evaluated as being less than 51% likely to succeed; and
  • Anything specifically excluded – the policy documentation will set out what is and what is not covered.

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How can legal expenses insurance help me?

Legal expenses insurance can provide a wide range of legal help and support for you and your family.

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Personal products

Find out about the types of personal legal expenses insurance available, and how they may be able to help.

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