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Legal insurance

Old 16th Sep 2020, 06:07
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Join Date: Aug 2004
Location: Between BHX and EMA
Age: 74
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Legal insurance

Just received house and contents insurance renewal, and the offer includes legal expenses cover. I've always declined this in the past on the expectation that - well, it's insurance, and if I really need it they will find some clause that says it doesn't cover my case, and I can write a pretty effective letter with menaces myself anyway.

Today I read the T&Cs and it seems pretty comprehensive, so I wondered if anybody out there had actually had cause to use this type of cover, and whether it worked or not. Thanks in advance.
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Old 16th Sep 2020, 08:05
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Join Date: Jan 2002
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Yep, while still living at my mother's flat I had a cycling accident with a pedestrian which was legally my fault despite him not looking before stepping into the road - mother's household insurance covered a session with a solicitor and took care of any claim subsequently made by the idiot er victim... I got a small fine and never heard any more about it...

So I've always had Legal insurance as it is a small outlay for a fair amount of peace of mind.
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Old 16th Sep 2020, 09:35
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Join Date: Oct 2000
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Utterly useless in many cases. It is always sold as an add-on because it is lucrative.

I never bother but recently it was thrown in with my house insurance. I am currently involved in litigation. The Legal Insurance said they would cover it, then found a clause and changed their mind. When I found a decent firm to pursue my case and asked if I had legal insurance they asked who they company was. I told them and the response was that he, the solicitor, wouldn't deal with them because in his words 'they will do anything to avoid paying out' apart from never answering e-mails or returning telephone calls. Interestingly this is a firm who seem to supply a vast amount of legal insurance.

I have heard similar stories from others that legal insurance rarely is worth the expenditure.

Of course, just my experience and opinion.
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