Legal protection insurance is not like car or house insurance, it is not as straightforward as you might think.

Will I be covered for all claims

• There is no guarantee your claim will be covered, it has to be assessed by them first
• Insurer has to be satisfied you have a reasonable chance of winning, else you don’t get cover
• They can drop your case at any time if they feel your chances of winning changes
• The insured person might be the intermediary, not you. This means they decide which lawyer to appoint

Things to watch out for

• Who is insured you or the intermediary/supplier. What happens if the intermediary goes bust
• Is there an up front charge or excess when you make the claim
• Are you covered for everything including damages and other party’s legal costs
• What happens if their advice is wrong and it has cost you
• What happens if you’re not happy with the lawyer, can you switch to your own lawyer

Following the Process

• You must notify the insurer before taking any action
• You need to get their go ahead before you do anything
• You must follow exactly the advice given by them, your cover can be dropped if you don’t