What is legal expenses insurance?

If you find yourself in need of help, legal expenses insurance (or LEI) could provide access to legal advice and provide cover for legal costs if your case goes to court.

Millions of people in the UK have a form of insurance that could cover the legal costs of many everyday issues. But not many people are aware of this. One of the first questions our legal experts will ask you when taking on your case is “have you got legal expenses insurance cover?”

Below, we explain what legal expenses insurance (LEI) is, and how you could use it to cover your legal costs and receive expert legal advice.

How can legal expenses insurance help?

If you find yourself in need of help, legal expenses insurance could give you access to a legal advice helpline and could cover your legal costs, if your case goes to court. Typically, legal expenses insurance provides cover for common issues such as:

  • Unfair dismissal, or discrimination at work;
  • Injury from an accident that was not your fault; or
  • Disputes involving faulty goods or services.

Legal expenses insurance can be an affordable way to help individuals, motorists and business owners get access to legal support when they need it.

Do I already have legal expenses insurance?

Legal expenses insurance is typically sold as an optional 'add-on' when purchasing an insurance policy - although it does sometimes come as part of standard insurance cover. It is often included with:

  • Home contents insurance
  • Buildings insurance
  • Car or motorcycle insurance

You may also have elements of legal expenses insurance cover included with another product or as benefits of your employment. To see whether you have this cover, check your current insurance policy documents, and the terms and conditions of other packaged products or employment contracts.

What doesn't legal expenses insurance cover?

Legal expenses insurance cover varies between different providers, but there are some things that it doesn't generally help with. These might be:

  • Issues that started before you bought the policy;
  • Legal costs you pay for before your claim is accepted;
  • Claims where the likelihood of success or ‘reasonable prospects of success’ are evaluated as being less than 51% likely to succeed; and
  • Anything specifically excluded - the policy documentation will set out what is and what is not covered.

Speak to your insurance adviser to find out more about legal expenses insurance.

Our legal process

At DAS Law we make our legal process clear and simple, with our expert legal team there to support you from start to finish.

Learn more
Legal services for individuals

We can help with legal issues in a number of areas, including personal injuries, disputes over things you have bought, or problems at work.

Learn more

Read the DAS Law blog

Holiday disputes Know your rights before buying and cancelling bargain holidays

Here's what to do if unforeseen circumstances force you to cancel a holiday that has already been paid for in advance.

February 2019
General advice If your engagement doesn't have a happy ending, who gets the ring?

If your fiancé(e) or unexpectedly breaks off the engagement, who gets to keep the engagement ring?

February 2019
Employment disputes How veganism could soon be protected by law

In March this year an employment tribunal will have the task of deciding whether veganism is protected by law. DAS Law’s Emyr Gwynne-Thomas takes a look at the case and some of the key questions it raises…

February 2019
Employment disputes Your rights if it’s too cold in the workplace

As the winter weather arrives with a vengeance, chilly workplaces across the UK are potentially having serious impacts on the health and effectiveness of employees.

January 2019
General advice , Protecting your business 6 things you need to know about missing the 31 January self-assessment deadline

With 31 January deadline fast approaching, HM Revenue and Customs (HMRC) has warned that 5,542,000 taxpayers have still to complete their Self-Assessment tax returns. What can you do if you miss the deadline?

January 2019
Employment disputes Winter commuting: I thawed the law

If you run your own business, bad weather can cause chaos when staff can’t get in. What employment law regulations are in place when handling transport troubles in winter?

January 2019
Employment disputes Is a hug harassment in the workplace?

Following the news that employees at fashion house Ted Baker have launched a petition over ‘forced hugging’, DAS Law’s Lucy Kenyon looks at what is acceptable in the workplace, and what could be considered harassment.

January 2019
Employment disputes 8 things SMEs need to know about wrongful dismissal

DAS Law’s Michaela Smeaton gives us the low-down on wrongful dismissal, and suggests a few things you can do to protect your business against these claims.

December 2018
General advice , Property disputes Ho-ho-home invasion: is Father Christmas trespassing?

When he enters your home, is Father Christmas actually trespassing? If he does so without your expressed permission, could he be prosecuted?

December 2018
Employment disputes Working on Christmas Day – your rights if you end up on the rota

It's a day of rest for millions, but for others it’s double the workload as business continues as normal – but with fewer staff. Can you refuse? Hannah Parsons outlines your rights.

December 2018
General advice Beware the perils of sharing colleagues’ Christmas party antics on social media

Are people allowed to record and share your more embarrassing moments without your permission? What does the law have to say?

December 2018
Professional services disputes What to do if your new hairdo turns into a hairdon’t

What rights do you have if you don’t like your new hair style? Do you still have to pay if you didn’t give you the look you wanted?

December 2018
General advice The school nativity – danger in the manger?

Antony DiPalma, solicitor at DAS Law, looks at the photographic minefield of the school nativity play.

December 2018