Family Legal Protection

What is Family Legal Protection insurance?

Legal fees are expensive, and unfortunately we only appreciate this when we need the help of a solicitor. Family Legal Protection is designed to cover your legal costs for a variety of situations you might find yourself in at some point in your life.

What does Family Legal Protection cover?

esure Family Legal Protection covers you and anyone in your family that lives at your address. You all have access to a 24-hour legal helpline where you can seek advice from specialist lawyers.

The events which are covered by Family Legal Protection are:

• Employment disputes

  If you are ever in the unfortunate situation of being unfairly dismissed at work or faced with discrimination, this cover could enable you to take your case to an employment tribunal.

  An example of unfair dismissal could be that you’ve told your boss you’re pregnant and your role becomes redundant as a result of this.

  You also could’ve been on the receiving end of some unpleasant treatment at work, which pushes you to leave.

  You can use Family Legal Protection to pursue legal action against your employer or ex-employer, cover is provided for legal fees and expenses up to £10,000. An upfront excess of £250 applies.

• Contract disputes

  So you’ve recently bought something off the internet that has fallen apart and you want your money back, but the seller isn’t paying up.  You can use Family Legal Protection to help get your money back in court. As long as, whatever you bought is worth more than £250 (including VAT).

• Personal injury

  Nobody likes getting injured – especially when the situation that caused the injury could’ve been preventable.

  Whether you slip on a grape in a supermarket and twist your knee, or you’re injured at work, Family Legal Protection could help you pursue legal action against the person or company responsible. The amount we cover in court fees and expenses is £50,000.

  Unfortunately we don’t take on cases that involve clinical or medical negligence.

• Property Infringement, Property Damage and Property Sale & Purchase

  Property protection is designed to cover all sorts of scenarios involving your home, which may require you to take legal action.

  You may find that a company has damaged your garden path when laying down new cables.  In this instance Family Legal Protection could be used to pursue compensation and/or recover the cost of repairs, providing the damage done is more than £250.

  If you’re having problems with people frequently trespassing on your property or have caught someone vandalising your home. Family Legal Protection could help you take them to court.

  The amount in court fees and expenses we cover is £50,000, and you’ll have to pay £250, as an excess when you want to make a claim.

•  Tax

  If HMRC want to investigate your self-assessment tax return, Family Legal Protection can be used to pay for an accountant.

  Unfortunately if you’re self -employed, a sole trader, or in a business partnership you can’t claim for the fees of an accountant using Family Legal Protection insurance.

• Legal defence

  Family Legal Protection insurance aims to cover legal costs and expenses up to £50,000 for your defence if you’re being prosecuted for your actions as an employee at work.

  Your defence could also be covered for a motoring incident, such as dangerous driving.

  But if you’ve been caught driving without a licence your defense isn’t covered.

• Jury service and court attendance

  If you need to attend jury service or a tribunal, Family Legal Protection can compensate any wages you might lose for not being at work.

  The amount paid will cover your time in court, and you will receive your take-home pay (your pay after tax, national insurance, and any other deductions), minus any amount you get paid by the courts.

For full information, please refer to your home policy booklet