Brokers: General Insurance Products

Family and Household- Family Legal Protection

Why Family Legal Protection?

Our Family Legal Protection policy can help you or a member of your family if you are unfairly dismissed at work or suffering discrimination in your workplace. We can help you redress your situation and help pay associated costs.

Our policy provides a range of cover to help you and your family with legal matters and offers experienced professional representation.

The Cover
The level of cover depends on the policy chosen as indicated in the table below:

Levels of Cover	Standard	Premier	Platinum
1. Free phone legal advice line
2. Damages sustained in the course of employment
3. Employment Disputes
4. Tax Protection
5. Jury Service
6. Legal Defence
7. Contract Disputes
8. Identity Theft Assistance
9. Property Protection

1. Free phone Legal Advice Line - a 24 hour help line for legal advice for the cover holder and their families.

2. Damages sustained in the course of employment - costs up to £50,000 for making a claim for damages,     including costs of an appeal in respect of death or bodily injury, sustained by the insured or a member of     their family in the course of their employment. Also legal costs and expenses that they or a member of their     family may become liable to pay to another party in making a claim for damages or compensation.

3. Employment Disputes - up to £5,000 for the insured’s legal costs and expenses for the insurer to negotiate     for their legal rights concerning a claim by them or a member of their family, against an employer for unfair or     wrongful dismissal, redundancy or unlawful discrimination.

4. Tax Protection – the insurer will negotiate on the insured’s behalf and represent them in any appeal     proceedings in respect of a full enquiry by the Inland Revenue into their tax affairs provided the enquiry     resulted from the insured’s work as an employee.

5. Jury Service - provides protection for the insured’s salary or wages whilst attending Jury Service.

6. Legal Defence – defence of an insured person’s legal rights arising out of the carrying out of their duties as     an Employee.

7. Contract Disputes – negotiation of an insured’s rights in a contractual dispute under the buying, hiring or     selling of goods.

8. Identity Theft Assistance – Identity theft and fraud protection cover.

9. Property Protection – negotiation of legal rights in a civil action relating to material property.

At a Glance
• Legal protection for you and your family
• Three levels of cover available
• Cover up to £50,000 per claim