How do I go about making a claim on my legal expenses insurance?
Simply give us a call to let us know what’s going on, and we’ll guide you through the process.
What is “reasonable prospects of success” and why does this matter when I’m claiming with my legal expenses insurance?
When your claim has been accepted, more often than not it will be assessed by a lawyer to ensure the case is likely to succeed in court. This is called ‘reasonable prospects of success’ and is a fairly standard part of the legal process. The initial ‘prospects of success’ can change during a case as evidence comes to light, but as long as your lawyer believes you’re more likely than not to win, your legal expenses insurance will still cover the fees. It is, however, important to bear in mind that there are instances where ‘reasonable prospects of success’ doesn’t apply, such as criminal cases.
Can I claim for a dispute which started before I bought my legal expenses insurance policy?
Unfortunately, no. Your legal expenses insurance only covers you for disputes arising past the policy start date – this includes cases like an employment-related claim, where you may have reached a point where you need legal assistance after buying the policy, but the original dispute started much earlier before the policy commenced.
What are the benefits of having legal expenses insurance?
The benefits of Tradesman Saver’s legal expenses cover include:
- No upfront solicitor’s fees: the insurer will pay a solicitor’s fees directly to the solicitor in question, so you don’t have to pay anything upfront
- Alternative to legal aid: Legal aid is quite difficult to secure (you generally have to be in a low income bracket to obtain it), and isn’t available for employment disputes which are responsible for a number of claims, so legal expense insurance is the next best thing for ensuring your legal safety
- 24-hour assistance: we offer 24-hour legal advice helplines, which can be really useful if you need points of law clarified so you can approach an individual or an organisation which the correct information. This can even sometimes help to prevent full legal action from being taken.