Legal Cover With Home Insurance?

Bellycaster

Not Boiler Related..........for a change 

Does anyone insist on having Legal Cover on their Home Insurance? I don't mean Public Liability thing, I mean Legal Expenses Cover for things like Boundary Disputes, Personal Injury, Consumer Disputes, Employment Disputes etc.

Or do some of you take out separate Legal Cover for yourselves?

Just Curious, I thought I had it on my Policy but I don't, I'm up for renewal in 2 weeks so I was thinking of having it as an add-on.

For around £25 it's probably worth it, what do you reckon?

Thanks.

TheMarlin

I do. Never had to use it, but gets expensive quickly if you don’t have it and need it. 

fretmeister

I do. Always.

little known fact, a lot of them also include unsatisfied judgment cover.

So if you need to sue someone and you win, and they don’t pay, then your own house insurer will pay you the sum.

Its not in every policy, but it’s there in many.

Roland

If you ever encountered someone who’s taken the “OK, sue me” approach to a dispute then it can be very useful. People and companies take this approach because they think you can’t afford to. If you’ve got legal insurance then you can afford to.

munckee

Yup every time and I'm in insurance. 

grungebob

Always take it out. Have used them for free legal advice quite a few times with favourable outcomes. 

Bellycaster

Looks like it worth the bit extra then, cheers.

Voxman

munckee said:

Yup every time and I'm in insurance. 

Ditto