legal expenses & family protection insurance cover by Intelligent Insurance
Specialist Insurance Cover

Family legal protection

Family Legal Protection, often referred to as Legal Expenses Insurance (LEI), is included as standard* with our home insurance policies for no additional cost to you. Family Legal Protection provides financial cover to help you pay legal fees if you require professional legal assistance**.

You have the option to upgrade to Family Legal Protection Plus for an additional cost, which provides extended cover and increased claims limits.

*There is a maximum claims limit of £5,000 for Employment Disputes

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Frequently Asked Questions

Upgrade to Family Legal Protection Plus Cover

If you or your immediate family require professional legal assistance, Family Legal Protection provides up to £25,000 cover for legal expenses (whether prosecuting or defending). There is a £100 excess. Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of disputes that you’re covered for.

Summary of cover

24 hour legal helpline for your Family legal protection

Our Family Legal Protection includes access to a 24 hour legal helpline, for advice and peace of mind immediately when you need it. A breakdown of what’s included with each type of cover is shown below:

Family Legal Protection Family Legal Protection Plus
Max Claims Limit £25,000 £50,000*
Legal Helpline
Consumer Pursuits
Consumer Defence
Property Damage
Property Sale & Purchase
Property Infringement
Personal Injury
Employment Disputes
Probate & Tax Disputes
School Admission Disputes
Personal Identity Fraud
Vehicle Cloning
Legal Defence
Social Media Defamation

To sign up for Family Legal Protection Plus just select the option when completing your online quote.

*There is a maximum claims limit of £5,000 for Employment Disputes

Frequently Asked Questions

Absolutely. Should you choose to incorporate Family legal protection plus cover during your current insurance term, the premium will be adjusted on a pro-rata basis for the remaining duration of your primary home insurance policy.

Generally, yes. However, for employment disputes, claims cannot be made for incidents that occur within the first 90 days of the policy’s start date. Similarly, claims related to property infringement are not covered if they arise within the first 180 days of the policy.

If you wish to add Family legal protection plus cover to your existing policy, please login to your account and click ‘Amend my policy’.

Yes, the Family Legal plus cover requires an excess payment of £100.

No, since legal expenses insurance is distinct from home insurance, any claims you file under it will not influence your home insurance no-claims discount.

**We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.

Policy Documents

If you’re currently insured with us, you’ll find the documents for your policy in MyAccount.

Add-Ons

Home Emergency Plus
Family Legal Protection Plus

How to make a claim

Making a claim has never been easier – just follow these three simple steps.

step-one

Step One – Check Your Policy

Find your insurer’s claims contact details in your policy document or Schedule. Always have your policy number to hand, as it helps your insurer’s claims team quickly identify you and assist you without delay.

step-two

Step Two – Report the Incident

Call your insurer’s claims team as soon as the incident occurs. Provide a brief description of what happened and, if applicable, notify the Police within seven days for incidents like theft or malicious damage.

step-three

Step Three – Submit Your Claim

If required, complete and return the claim form along with supporting documents (receipts, photos, etc.) within 30 days. This ensures a smooth, timely processing of your claim.

High quality home insurance provided by names you can trust

We work with experienced and established insurers to give you peace of mind that your home is protected

Intelligent Insurance | Arkel Panel Member
Allianz Insurer
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Intelligent Insurance | Prestige Underwriting Services Panel Member