What Is Personal Legal Protection And What Does It Mean To You?
Whether it’s a personal injury or a contractual dispute, requiring legal assistance can be an arduous, stressful and expensive experience. If you’ve just had an accident, or are dealing with the worry of a legal dispute, it’s comforting to know that with Personal Legal Protection your insurer is there to support you when you need it most.
What Do You Actually Receive With Personal Legal Protection?
Put simply, this is an add-on which could entitle you to help and financial assistance if you become involved in a legal dispute of some sort.
Here at Insure4Retirement, for example, we will pay an appointed representative on behalf of yourself, assuming you have the appropriate cover, for any costs and expenses incurred following an insured incident.
There are some stipulations you should be aware of, as not all legal disputes and instances will be covered. For more information it is highly recommended that you read your policy document.
So What Does This Mean For You?
The following is a list of some of the situations you may encounter where personal legal protection may be required. Please note that for any of these situations there are instances in which you can and can’t claim, something we will look into further on.
- Personal injury
- Clinical negligence
- Contract disputes
- Employment disputes
- Property protection
- Personal identity theft
- Criminal prosecution defence
- Vehicle cloning
As you can see, there are a variety of instances where this cover would be very handy to have – some more so than others.
Whilst it may be impossible to predict the future, it is highly recommended to look at these instances and establish for yourself whether you feel you’d be in a situation to invoke this protection.
In addition, it’s worth looking at the instances in more detail to decipher whether you’d actually get the protection you’d need. With this in mind, let’s take a look at the above instances in more detail, and establish what you can and can’t claim for.
What Can And Can’t You Claim For?*
|Legal Situation||What Is Insured||What Is Not Insured|
|Personal injury||A specific or sudden accident that causes death or bodily injury||An illness or bodily injury which has happened gradually over time, or a psychological injury or mental illness unrelated to a specific or sudden accident|
|Clinical negligence||An identified negligent act of surgery, clinical or medical procedure which causes death or bodily injury||Failure or alleged failure of misdiagnosis|
|Contract disputes||From a contractual agreement of buying or hiring goods or services or selling goods||Construction work on any land or a building extension where the contract exceeds £5,000 (including VAT)|
|Employment disputes||From your employment contractual agreement if you are in application of a tribunal or ACAS Arbitration Scheme.||Any claim that solely relates to a personal injury|
|Property protection||A civil dispute relating to your main home which causes physical damage, is an unlawful interference or a situation of trespassing||The first £250 of any claim for legal nuisance or trespass|
|Personal identity theft||Where someone has stolen your identity and applied for credit, goods or services in your name||When you have not taken reasonable precautions against Identity Theft|
|Tax||When you need representing in any appeal proceedings in respect of a HM revenue and Customs full Enquiry into your personal Income Tax position||Where deliberate misstatements or omissions have been made to the authorities|
|Criminal prosecution defence||To defend your legal rights after any event which results in criminal proceedings being brought against yourself||Following an allegation of intentional violence or dishonesty|
|Vehicle cloning||When your vehicle’s identity has been used by another person or organisation without your permission||When you did not act to take reasonable precautions against your vehicle’s Identity being copied without your permission|
*Please note, for full details on what is included within Insure4Retirement’s Personal Legal Protection, please check the policy document
Before You Make A Claim
It’s essential that you read your policy documents thoroughly. Without knowing exactly what you can and can’t claim for could render your claim invalid. This does not just involve the specific scenarios we’ve already mentioned, but also more general cases.
As such, the following conditions must be adhered to before you make a claim; this includes, but is not limited to the following:
- Notify your insurer of the incident within reasonable time of it happening
- Your insurer must be told if anyone offers to settle your claim
- If you do not accept a reasonable settlement, your insurer may refuse to pay further costs and expenses
- Take reasonable steps to avoid incurring unnecessary costs
- Send everything the insurer asks for in writing and report to them full details of any claim as soon as you can
Please read your policy wording carefully, paying particular attention to any exclusions, endorsements and limitations.