Home Legal Expenses
Get legal advice for legal issues and disputes
Do you already have a policy with us?
Make a claim, renew your policy or get help with your home insurance.
What is Home Legal Expenses cover?
When life takes a difficult turn, we’re here to help. Home Legal Expenses cover (also known as Family Legal Protection) is an optional extra you can add to your home insurance policy. If you have a Plus or Premium policy, you’ll have Home Legal Expenses included with your insurance.
It gives you unlimited access to a 24-hour legal helpline whenever you need it. Plus, up to £100,000 cover for a wide range of legal issues, including:
- property and employment disputes
- personal identity theft
- legal defence
- clinical negligence
- personal injury claims
How does Legal Expenses cover for home insurance work?
Call our 24/7 legal advice helpline
Contact our 24/7 helpline for support from our trusted advisors. You also have access to our Legal Depot, our hub of legal templates, tools and guides designed to help you and your family get through life's unexpected legal events.
Get up to £100k in legal costs
Our Home Legal Expenses add-on covers up to £100,000 in legal costs. But you need to have at least a 51% chance of winning your legal case for us to cover you.
Don't forget, policy limits and exclusions always apply here. You can find these in your policy book.
Make unlimited claims
You can make as many claims as you need – there's no limit on how much we can support you.
How do I get Home Legal Expenses cover?
Our More Than Plus and Premium Home Insurance policies include Home Legal Expenses cover as standard.
If you don’t have a More Than Plus or Premium policy, you can add Home Legal Expenses cover to your home insurance. You can do this when you get a quote or if you already have a policy with us.
Get in touch to add it to your policy.
Who is Home Legal Expenses cover for?
Home Legal Expenses cover gives you or a family member access to legal advice.
Your family member would need to be living at the same address as you to be covered. They could be your:
- partner (whether you're married or not)
- children
- parents
- brothers and sisters
As part of your cover, you'll get access to a 24/7 legal helpline to discuss your legal issue.
Give us a call on 0117 927 1852. We’re available 24/7.
If your issue is about the law outside of England and Wales, our opening hours are Monday to Friday, 9am to 5pm.
If you have a dispute with your employer or one relating to your contract, we’ll help you take legal action through an employment tribunal.
Home Legal Expenses add-on covers the costs to take legal action after disputes about your home or personal possessions. For example:
- if someone damages them
- legal nuisance or trespass
We’ll support you financially if you have a dispute about:
- buying, selling or renting your home you live in
- buying or hiring in goods or services
If you’ve had an accident, we’ll support you in making a compensation claim for damages.
If you’re subject to a negligent medical procedure that causes bodily injury or even death, we’ll support you or a loved one to claim compensation.
You’ll get access to our cyber and identity fraud helpline if you’ve experienced issues with:
- identity theft
- fraudulent fund transfer
- cyber extortion
- financial loss
- breach of personal information
- cyber bullying
Check your policy book or log in to MyMoreThan to get the number.
We’ll cover you for:
- defence for criminal prosecution or certain civil action against you as an employee
- a formal investigation or disciplinary hearing brought against you by a company or official body
We’ll take care of the costs to pursue legal action if you’re a named beneficiary, and if there’s a dispute involving the will of your:
- parents
- grandparents
- children
- stepchildren
- or adopted children
We’ll cover the costs if you need to pay an tax expert to deal with a HM Revenue and Customer full enquiry.
We’ll pay you your net salary for the time you’re away attending jury service. Or, if our solicitor who represents you asks you to go to court or a tribunal.
We’ll support you if you have disputes over:
- buying, selling, hiring or insurance of a motor vehicle or its spare parts or accessories
- service, repair or testing of the insured vehicle
This covers you for costs in legal action if someone has used your vehicle's identity without your permission.
One of our expert solicitors will tell you if you have a good chance of winning your case.
After looking at the facts and evidence, they’ll make an independent assessment on whether it’s likely to be successful.
If they decide that you’ll likely succeed, we’ll cover the legal costs and they’ll take your case forward.
If they decide it’s not and you don’t agree with their decision, you can get a second opinion from a barrister. But if they decide in your favour, you’ll get the money back and we’ll move on with your claim.
No, you can use our support as much as you need to from the day you start your policy to when it’s time to renew.
Most cases will reach settlement before they need to go to court.
Court cases can be stressful and long. But if your case does need to go to court, we’ll continue to support you through the entire process.
One of our expert solicitors on our panel will represent you.
You can choose your own solicitor to represent you, but it’s usually smoother and easier if you work with one of our appointed solicitors.
This is because we already have an agreement with our panel, and how we will work together.
It means our solicitors can go ahead and get to work right away, without needing to pre-authorise each cost and payment with us first.
Looking for more?
Here are some of our other optional extras you can add to your home insurance policy: