Legal expenses insurance is cover purchased to fund the cost of legal advice and representation in Court proceedings. It is often sold as an optional ‘add on’ to other standalone insurance policies, such as car, home or life insurance.
Legal expenses insurance can help you obtain support and representation in a wide range of legal matters, including:
- Employment disputes – unfair dismissal or discrimination at work
- Property
- Personal injury claims
- Faulty goods or services
Legal expenses insurance is typically ‘before the event’ insurance – e.g. before you are involved in something which you need the insurance for.
‘After the event ’ insurance is when you decide to make a legal claim or are defending legal action and the policy provides cover against paying the other side’s legal costs. These are generally standalone policies.