What is Covered on InsuraHome's Legal Expenses Insurance?

Below is a brief explanation of what is covered on InsuraHome's Legal Expenses Insurance Policy Add On. However, you should always refer to the InsuraHome's Home Insurance Policy wording for full cover limits, terms, conditions and exclusions.

The table above is only a summary of cover. You should always refer to the policy wording for full terms, conditions and exclusions.

Consumer Pursuit - for advisers' costs to pursue legal action following a breach of contract you have for buying or renting goods or services for your private use. This includes the purchase of your main home. The contract must have been made after you first purchased this insurance and, in respect of disputes over the purchase of your main home, the purchase must have commenced at least 180 days after you first purchased this insurance or purchased similar insurance which expired immediately before this insurance began.

Personal Injury – Advisers’ costs to pursue a legal action following an accident resulting in personal injury or death against the person or organisation directly responsible.

Employment Disputes - Advisers’ costs to pursue a legal action brought before an employment tribunal (or its equivalent in Scotland, Northern Ireland, the Channel Islands or the Isle of Man) against an employer or exemployer for breach as an employee of your:- (a) contract of employment; or (b) legal rights under employment laws.

Property Infringement – Advisers’ costs to pursue legal actions for nuisance or trespass against the person or organisation infringing your legal rights in relation to your main home.

Property Damage - Advisers’ costs to pursue a legal action for damages against a person or organisation that causes physical damage to your main home. The damage must have been caused after you first purchased this insurance.

Consumer Defence - Advisers’ costs to defend legal action brought against you following a breach of a contract you have for selling goods for the private and personal use of another person. This insurance includes the sale of your main home. The contact must have been made after you first purchased this insurance and, in respect of disputes over the sale of your main home, the sale must have commenced at least 180 days after you first purchased this insurance or purchased similar insurance which expired immediately before this insurance began.

Tax - Advisers’ costs, arising from an insured event, incurred by an accountant if you are subject to an
HM Revenue and Customs Full Enquiry into your personal income tax position, provided that the insured event arises on the date that you or your adviser are contacted, either verbally or in writing, by the relevant department of HM Revenue & Customs advising you of either dissatisfaction with your returns, or amounts paid, or giving notice of intention to investigate.

Personal Identity Fraud - Costs to pursue actions within the territorial limits relating to a single act, or the start of a series of single acts, against you by one person or group of people:

• To deal with all organisations that have been fraudulently applied to for credit, goods or services in your name or which are seeking monies or have sought monies from you as a result of identity fraud;
• To liaise with credit referencing agencies and other relevant organisations on your behalf to advise that you have been the victim of identity fraud; and/or
• To defend your legal rights and/or take steps to remove County Court Judgements against you that have been obtained by an organisation from which you are alleged to have purchased, hired or leased goods or services. Cover is only available if you deny having entered into the contract and allege that you have been the victim of identity fraud.

Legal Defence - Advisers’ costs to defend your legal rights following an event arising from your work as an employee: Costs in a legal action to defend your legal rights in the following circumstances arising out of your work as an employee:

• Prior to being charged when dealing with the police or Health & Safety Executive or others with the power to prosecute.
• In a prosecution brought against you in a court of criminal jurisdiction.
• In a civil action brought against you as a data controller for compensation under data protection legislation.
• In civil proceedings brought against you under legislation for unlawful discrimination.

Costs in a legal action to defend your legal rights arising out of a formal investigation or disciplinary hearing brought against you by any trade association or professional or regulatory body.

Discrimination - Advisers’ costs to defend your legal rights following an event arising from your work as an employee that results in civil proceedings being brought against you for sex, race, age, religious or disability discrimination at work.

Data Protection - Advisers’ costs to pursue a legal action against a person or organisation for breach of data protection legislation which has resulted in you suffering a financial loss.

Jury Service - Payment will be made where you are required to attend jury service arising during the period of insurance. At the end of the period of jury service, you can submit a claim for:

• A daily rate for each whole day of attendance for the duration you are off work attending jury service, providing these costs are not recoverable from your employer or the court.
• 50% of the daily rate for each additional half day you are off work attending jury service providing these costs are not recoverable from your employer or the court.

School Admission Disputes - Advisers’ costs in appealing against the decision of a Local Education Authority (LEA) arising out of the LEA’s failure to conform with its published admission policy, which leads to your child or children being refused entry at the state school of your choice.