Personal legal expenses insurance could help you and your family with a number of legal issues, depending on what cover you have. This site can help you learn about legal expenses insurance, how to get it, and how to use it if you have it.
See what we offer to our people
Legal expenses insurance can help you with a number of legal issues affecting your business.
News and analysis from our experts
Many brokers and law firms have chosen to partner with DAS. Here you can find out why our partners choose us, and how you can join them.
We've now made it even easier for customers to make a claim. Here you can find out how.
If you’re involved in an accident that wasn’t your fault, motor legal insurance could help you with the losses that aren’t covered by your motor insurance policy. For instance, motor legal expenses insurance could:
Motor legal expenses insurance could pay up to £100,000 per claim to cover your legal costs and expenses, and the other person’s legal costs if you lose.
Motor legal expenses insurance can also come with access to a telephone legal advice, and a counselling helpline.
As with all insurance policies there are important terms and conditions you will need to be aware of. Motor legal expenses insurance tends not to cover:
Most policies are available as an additional product when you buy a motor insurance policy through an insurance provider. Check what cover you already have in place before adding motor legal expenses insurance to a new policy though; you may already have it.
If you’d like more information about motor legal expenses insurance have a look at our FAQs below or speak to your insurance adviser, or get in touch.
Motor legal expenses insurance could help with the recovery of other losses that are not covered by your main motor policy
Family legal expenses insurance can be a valuable addition to a general insurance policy, providing you and your family with a range of legal help and support.
If something happens to damage your home or render it uninhabitable, Home Emergency could be there for you.
Motor Legal Expenses Insurance is typically sold alongside a motor insurance policy. It can be bought for most types of vehicles, including cars, vans and motorbikes. Your insurance company or broker will usually discuss Motor Legal Expenses Insurance with you when you take out or renew a motor insurance policy. If you take out LEI with your motor insurance policy, you will usually pay for both in the same way.
Having a car accident is bad enough, but it can impact more than just your car. Items in the car like your phone or tablet could be damaged, or if you can’t use your car for a few days you might not be able to get to work, losing you income. None of these things are likely to be covered by your car insurance.
Motor legal insurance will help you work out the full value of loses you have suffered and claim them back from the person who caused the accident.
Being injured in a car accident could potentially have a lifelong impact on you. Regardless of the extent of your injuries, motor legal expenses insurance could mean that your case will be managed by an experienced personal injury lawyer.
In most cases motor insurance policies don’t guarantee a replacement vehicle if your car is damaged. Many motor legal expenses insurance policies will help you either by providing you with a replacement vehicle or reclaiming costs (within certain limits) of you hiring a replacement vehicle where you are entitled to. Your legal expenses provider should be able to explain what you are entitled to, or you can find out by reading your policy documents.
It all depends on the policy you have. The main benefit of motor legal expenses insurance is to help you recover costs and get compensation if you are involved in a motor accident that isn’t your fault. However, policies are increasingly expanding their benefits to include legal help in defending you against certain motor prosecutions, like dangerous driving, or helping you with a motor-related contract dispute, like buying a second-hand car that turns out to be less reliable than the salesman implied. Some policies will also include legal helplines.
Our legal helpline can give you confidential legal advice on personal legal issues; you are not limited to questions about motor legal issues.
As often as you need; there are no limits on how many times you can call.
You can’t usually claim for legal disputes that started before the date your cover began.
No; if you have a DAS policy it’s important that you speak to us as soon as possible after a dispute arises so we can discuss the best way to proceed. We will not cover any costs you incur before we have agreed to cover your claim, such as the cost of consulting your own lawyer.
For a claim under a DAS policy we’ll usually appoint a lawyer from one of our preferred law firms on the basis of their expertise to deal with your claim. However, there are instances where you have the right to choose your own lawyer – such as if court proceedings are issued or there’s a conflict of interest. It’s important to know that if you do choose your own lawyer we will only pay them the same amount as we would pay our preferred lawyers – currently £100 per hour.