Legal Cover / Legal Expenses Insurance

Don’t let legal costs drag you down; rely on a legal expenses policy you can trust.

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Why choose Howden for Legal Expenses Insurance?

Here at Howden, as a home insurance broker, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of standard and specialist home insurers, we make the process of comparing various specialist insurance policies and add-on options, on your behalf, straightforward and easy. What’s not to like?

We also know that each policy needs to be as individual as its owner, and that’s why we provide a tailored, personalised service, focused on getting to know you and finding out exactly what you want from your home insurance.

Ultimately, whether you need to make a claim, purchase a new home insurance policy, or renew an existing one, just know that we’re here if you need us.

Benefits of working with us:

You can trust us – we’re rated Excellent on Trustpilot.
We’re driven to save you time, money, and hassle.
Benefit from a tailored service that comparison sites can’t provide.
Speak with your local branch, within your community.
We’re right by your side in the event of a claim.

What is legal expenses insurance?

Legal expenses insurance (LEI) is a type of insurance that provides coverage for the costs associated with legal proceedings. This insurance is designed to protect individuals and businesses from the potentially high expenses related to legal disputes and litigation.

Legal expenses cover can be bought as a separate insurance policy or included as a standard feature of popular insurance products, such as car insurance and home insurance. Not many insurers include legal expenses insurance as a default aspect of their cover though, as it’s normally offered as an policy add-on.

Do I have legal expenses insurance?

You might not know it, but your home insurance policy might actually already include legal expenses cover, as some policies have this feature by default.

For instance, when you’ve gone to buy your home insurance policy, perhaps you assumed the legal expenses cover wasn’t included and was offered as an additional benefit that you didn’t opt for. It’s for this reason that you should always check your existing home policy with your insurance provider to double check whether you have legal expenses cover already or not.

Additionally, it's worthwhile to inquire whether anyone in your household has legal expenses insurance, as it may sometimes extend coverage to all residents of the property. Remember that certain bank accounts, credit cards, and life insurance policies you have may also include legal expenses insurance too, so we recommend that you verify whether this is included too.

More information about Legal Expenses Insurance

What does legal expenses insurance cover?

So, what exactly does legal expenses insurance cover you for? Well, this can vary across insurance providers, and it’s important that you have full clarity around what is and isn’t covered before you buy legal expenses insurance.

However, despite that, we can tell you what’s typically covered, including:

Personal injury
Insufficient service
Boundary disputes and other neighbour-related issues
Employment conflicts
Defective goods
Medical malpractice
Legal defence
Property safeguarding

What is legal expenses cover on home insurance?

Home legal cover, which is also widely known as home legal expenses cover, is a type of insurance you can buy alongside your home insurance and is there to assist you in pursuit and defence of your legal rights if you’re in an accident, suffer a personal injury or your property is damaged. It can cover legal costs if you have a contract dispute with your employer or have problems with something you have sold, hired, or purchased.

Legal expenses cover also assists in:

protecting your rights over your property and against trespasses
loss of earnings if you’re called for jury service
legal rights if you have a tax enquiry

Legal actions against you and your family can result from a range of circumstances and people or organisations are more likely than ever before to use the law to settle disputes. That’s why our home legal cover comes with a free 24/7, 365-day expert legal advice helpline to help you stay protected against any unexpected legal costs that come from defending legal disputes and general legal services.

Looking for legal expenses insurance cover that can help cover legal costs related to motor claims you make too? Find out more about our Motor Legal Expenses, a specialist motor insurance policy.

Do you need legal expenses cover on home insurance?

Whilst there is no legal requirement that says you must have legal expenses cover on home insurance, it is recommended that you do have it, because it could prove worthwhile.

Having legal expenses cover by your side could mean that the legal costs that come with cases you make against someone could be covered, saving you from potentially costly expenses.

It’s important to note though that whilst we do recommend that you get legal expenses cover, this policy doesn’t always guarantee yourself legal support, and that’s because not all legal expenses claims have a ‘51% or more’ chance of winning in the eyes of insurers.

How much is legal expenses insurance?

This is not only a popular question, but also a tricky one to answer. This is because the cost of legal expenses insurance in the UK can vary based on several factors, including the type of coverage, the level of protection, the insurer, and individual circumstances. Also keep in mind that insurance prices can change over time with fluctuations in the insurance market.

However, despite all that, when you consider how much suing someone could potentially cost you in the long term, paying for legal expenses protection could prove to be priceless and extremely valuable.

Ultimately though, to determine the current cost of legal expenses insurance and to get an accurate quote tailored to your specific needs, it's recommended that you contact insurance providers directly or speak to an insurance broker Howden.

We can help you find a policy that not only suits your requirements, but also meets your budgetary expectations.

How to get legal expenses insurance

The best way to get your hands on a legal expenses insurance policy is by getting in touch with us. You can either give us a call on 01993 894 700 and get put through to a member of our specialist, dedicated team, or click the Get a Quote button at the bottom or top of the page.

Once you’ve done that you’ll need to fill in the quote form, and only then will we be able to get in touch with you and discuss what are the best legal expenses insurance options for you and properties.

Following our discussion with you, we’ll get right away with compare various legal expenses policies across the market, before sourcing you a range of quotes. You’ll be able to pick and choose from the quotes depending on your preferences, or make further adjustments to search if you want to make any changes.

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