Family Legal Protection08 January 2011
Many home insurance policies offer family legal protection as a cost option. This can provide you with financial support in the event that you, or a member of your family, becomes involved in a legal dispute. Here, we look at the different types of cover that may be offered in a family legal protection policy, and give you a few tips on how to get the best deals and the right level of coverage.
Property ownership is a massive financial responsibility, so it is a good idea to try to do as much as possible to ensure to reduce your levels of financial risk. One way in which you can do this is to add family legal protection to your home insurance policy. Family legal protection can provide invaluable financial support and advice during stressful times. While policies vary from insurer to insurer, family legal protection policies usually provide the following levels of basic legal assistance:
Consumer protection cover. If this is included in your family legal protection policy, it will provide any member of your family with free legal advice and representation in the event that they become involved in a legal dispute over the purchase, hire purchase, or sale of goods or services.
Residential dispute cover. If you have any problems with your neighbours, such as a disagreement over the boundaries of your property, or a noise issue, and this type of cover is included in your family legal protection policy, then you would get help from a qualified solicitor in resolving the dispute. By taking the legal route early on, you can prevent a minor disagreement from escalating into something that is altogether more disruptive.
Personal injury cover. If you, or any member of your family were to have an accident that wasn’t your fault, and your family legal protection included personal injury cover, you would receive assistance in making a claim against the person, or company, that was ultimately responsible for the accident. This means that you would not have to use a ‘No win no fee’ solicitor, whose fees often amount to the vast majority of the claim amount in personal injury cases.
Employment dispute cover. Employment disputes can be expensive and difficult to resolve, so it may be worth checking to see whether your family legal protection includes employment dispute cover. This can come in very handy if you or a member of your family should become embroiled in a legal dispute with their employer, either over unfair treatment, or an unfair dismissal.
24-hour legal helpline. Most family legal protection policies provide a helpline that allows you to speak to a qualified legal adviser twenty four hours a day, seven days a week, so that if you or any member of your family needs legal advice for whatever reason, they can get it for free.
You may find that your existing home insurance policy already provides family legal protection as standard, but it is worth checking at any rate. The actual levels of family legal protection cover can vary widely between insurers, from the most basic and limited legal assistance to full-blown legal cover that will provide assistance and representation for a wide range of circumstances. Before you commit to a family legal protection plan, it is vital that you check the terms and conditions of the policy in detail to ensure that you will be getting the level of cover that you need in every area.