Legal Expenses cover can help with the cost of pursuing a civil claim for compensation if another person causes your bodily injury, illness or death, subject to the policy terms.
What this article helps you do
Compare legal expense limits and identify the main restrictions before starting legal action.
Applies to
- Plans: Budget, Silver, Gold and Black
- Cover: Legal costs for an eligible civil action for compensation
Legal Expenses limits
| Plan | Limit | Excess |
|---|---|---|
| Budget | £10,000 | Nil |
| Silver | £15,000 | Nil |
| Gold | £50,000 | Nil |
| Black | £60,000 | Nil |
Important Legal Expenses conditions
The policy includes requirements around how a legal case is pursued:
- Legal costs incurred before written acceptance of the case are excluded.
- You must co-operate with the insurer and the suitably qualified person appointed or nominated under the policy conditions.
- You must notify the insurer of settlement offers and must not settle or withdraw a case without the required agreement.
Main exclusions to be aware of
Legal Expenses does not apply to every legal dispute. Among the exclusions are claims where:
- there is insufficient prospect of obtaining reasonable compensation;
- anticipated legal costs are likely to exceed the compensation;
- estimated compensation is less than £1,000 per insured person, in the insurer's opinion;
- the claim is against specified parties, including your travel agent, tour operator, carrier or another insured person.
Other restrictions apply, including to appeals, legal action in multiple countries and certain fee arrangements.
Still need help?
Read your policy documents.
Eligibility, terms and exclusions apply. Please refer to your policy documents for full details.
Updated