What is legal cover?

Legal expenses is optional cover you can add to your property and possessions policies.

Legal cover gives you access to legal representation and provides up to £50,000 to cover your legal costs in a dispute (contractual disputes or tenancy disputes if you rent your property).

When claiming on this policy there must be reasonable prospects of success, meaning greater than 50% chance of successfully pursuing your claim. Legal cover does not cover costs and expenses incurred before written acceptance of your claim, or fines, penalties, compensation or damages which you are ordered to pay by a court.

A £250 excess is applied to nuisance and trespass claims, otherwise this cover is excess free.