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Home insurance - legal expenses cover
Add legal expenses cover for extra support for you, your home and family
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Legal expenses cover with Policy Expert
When you choose to include legal expenses with your Policy Expert home insurance, you benefit from:
Contract disputes help
Help with legal action when a contract dispute arises
Buying & selling disputes
Cover for contract disputes linked to buying or selling your home.
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What is legal expenses cover?
Legal expenses cover on your home insurance provides financial protection if you need to take legal action or defend yourself in certain situations involving your property. Policy Expert offers two different levels of legal expenses cover; Home Legal Select and Home Legal Plus. The level of legal expenses cover you have depends on your home insurance cover level. Some tiers include it as standard, while others let you add it on if you need it.
When you get your quote online, you'll see exactly what's available for your policy, so you can pick the right cover for you.
What’s included with legal expenses cover?
Policy Expert offers two levels of legal expenses cover; Home Legal Select and Home Legal Plus.
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Home Legal Select
Up to £25,000 in legal costs per claim, with a £250 excess. This can help you take legal action if someone damages your home or belongings, trespasses on your property or causes a serious nuisance. It can also help you seek compensation if someone causes you physical injury in an accident, and help with certain consumer disputes or disputes over a contract to buy or sell your home.
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Home Legal Plus
Includes the cover provided by Home Legal Select, with a higher claims limit of up to £100,000 per claim and no excess. It also covers legal costs for certain medical negligence claims, employment disputes and employee legal defence, subject to the policy terms.
How do I check if legal expenses cover is included in my home insurance?
Most standard home insurance policies focus on protecting your property and belongings from damage, theft, or loss. Legal expenses cover is typically an optional add-on rather than a standard inclusion. This means unless you specifically added it when taking out your policy, you’re likely not covered for legal fees.
With Policy Expert, some of our home insurance cover levels include legal expenses cover. If you’re an existing customer, the easiest way to find out if you have legal expenses cover is to check your policy documents, which you can find in your customer account. Can’t find your documents? Give us a ring, we can quickly confirm what’s included in your policy and explain what legal expenses cover would add. The level of cover depends on your tier:
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Basic
Optional extra
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Bronze, Standard, Silver & Gold
Home Legal Select is included in your policy
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Platinum
Home Legal Plus is included in your policy
What isn’t protected by legal expenses cover?
Legal expenses cover protects people against the cost of negotiating and defending their legal rights in a variety of issues – but some instances aren’t covered, such as:
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Late claims
If you tell us about a claim more than 180 days after the incident.
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Consumer disputes
Depending on your cover level, there is a limit to the contract value that we can cover.
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Incidents outside your cover period
If you’re claiming for something which happened outside your period of insurance.
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How to make a legal expenses claim with Policy Expert.
The quickest way to make a claim is to call the 24hr helpline first: 0330 0600 683
Report your issue early
Let us know about your legal issue as soon as possible, and always within 180 days of the incident.
Contact us before instructing a solicitor
Speak to us before you instruct a solicitor or commit to any legal costs. We can then check whether your claim is covered.
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Our awards and recognition
When you choose Policy Expert, you're choosing an insurer recognised for great customer service.
We are rated Excellent on Trustpilot. and were named Buildings Insurance Provider of the Year in the Telegraph Insurance Awards 2025.
Legal expenses cover FAQs
Does legal expenses on home insurance cover debt dispute?
It depends on what the dispute is about. Legal expenses cover won’t pay off a debt, but it may cover legal costs if the issue falls within your policy. Both Home Legal Select and Plus cover certain consumer contract disputes. Plus also covers other issues, including employment disputes, some education disputes and debts arising from identity theft. Check your policy wording or call the legal helpline to discuss your situation.
Does my home insurance cover legal expenses for my car?
No. Home insurance and car insurance are separate products designed to cover different risks, and they don’t typically overlap when it comes to legal protection. Policy Expert’s legal expenses cover is additional cover for your home insurance.
Does standalone home insurance cover any legal expenses?
No, not usually. Your home insurance covers your buildings and contents for things like fire, theft or flooding. Legal expenses cover is different; some policies include it, while others offer it as an optional extra. With us, it depends on which tier you choose.
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