3 Dec 2021
Legal Expenses Insurance (LEI) covers the costs of commonplace legal action and is often sold in conjunction with home, credit card, motor or travel insurance as an add-on. Since LEI is often packaged, it is advisable to check current insurance policies for LEI included within the terms. Many trade unions and workers’ associations run similar schemes which allow for free access to legal advice from an approved solicitor, and remuneration even if the case is unsuccessful.
LEI policies are designed to cover the most routine legal issues, including:
Common qualifying criteria for LEI:
LEI generally does not cover issues which began before the date of insurance policy purchase or legal costs paid before approval for the claim is accepted by the insurer. Insurance policies often outline specific cases for which they will not pay out this is documented in the terms of insurance and should be consulted both before purchasing the insurance policy and before deciding to make a claim.