Just for reference: BALPA give you unlimited legal fees covereage. The IPA give you £10,000. Which will get you about 10mins with a decent lawyer. (You can purchase more cover if you want - alternatively you could join BALPA and get it for free).
No legal coverage is 'unconditional'. All insurance companies will need to be sure that there is a case to be had before paying out. The Idiot Pilots' Assoc don't make this clear, but then again, they are the Idiot's PA.