We all know how unpredictable life can be, which is why we offer legal expenses cover as an optional extra. Take a look below to find out what legal cover is, how legal expenses insurance works and what it could protect you against.
Legal expenses insurance, also known as LEI, is a type of cover you can add to your Saga Home Insurance policy that will protect you against any legal costs you may face if you are involved in a dispute.
You can add legal expenses insurance to your contents only, buildings only, or combined buildings and contents policy.
Our legal expenses cover on your home insurance may help with the cost of legal advice and representation in events like:
As well as covering personal and property-related incidents, our legal expenses insurance also includes an online safety support service. This can help with the following situations:
Our legal expenses insurance covers:
Unlimited legal and tax advice with a freephone helpline
Up to £100,000 for a variety of legal proceedings
24-hour fraud and scam helpline
Legal cover for you and any family members who live with you permanently
Legal cover relating to your home, contract disputes, employment, death, personal injury, and more
24-hour Online Safety Support Service offering you expert advice and assistance to help you prevent viruses and restore your electronic devices following a potential cyber attack
There are certain situations where our legal insurance won’t cover you, including:
If the amount in dispute is less than £100
If it’s unlikely your claim will be successful – known as the "prospect of success"
Any legal costs or expenses you’ve had before your claim is accepted
Issues that started before your policy
Legal costs for any incident that happens outside of the United Kingdom
Any criminal prosecution or proceeding in criminal court
Divorce or annulment legal costs
Disputes involving public or private planning permission
The usual cost of wills or probate (although probate disputes are covered)
It’s entirely up to you to decide whether to add legal expenses cover to your home insurance policy. But it may be worth keeping in mind that solicitors’ fees can start at around £126 an hour and without legal expenses insurance, you’d have to pay for these yourself. So at the very least, it can provide peace of mind.
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