Family Legal Expenses
Cheap Family Legal Expenses Insurance
Only £15 Per Year
One Policy Covers Your Whole Family
Your family is undoubtedly one of the most important things in your life – so choosing an insurance policy which guarantees protection and assistance when you need it most is vital. ALPS Family Legal Expenses provides comprehensive security, support and advice in the event of a legal dispute concerning you or your immediate family – supported by an indemnity limit of £50,000. Dedicated legal helplines manned by fully trained professionals provide much needed support and top quality advice to you on a wide range of legal issues, including tax advice and identity theft.
24/7 Free legal advice Line
The helpline provides free legal advice for your personal legal issues, it is not intended to replace the services of a solicitor, but rather to assist you to identify the legal issues at hand, consider their legal rights and what courses of action are available to you
Personal Injury Cover
legal assistance to recover compensation should you suffer personal injury or death as a result of another person’s negligence. This includes, but is not limited to, negligent acts of surgery during a clinical or medical procedure.
Criminal Prosecution Defence
We will, reimburse the professional fees incurred with our consent in the successful defence of criminal legal proceedings brought against an insured person, relating to a strict liability offence because of any act or omission or alleged act or omission
Tax Protection
We will negotiate on your behalf and represent you in any appeal proceedings in respect of a full enquiry by the HMRC into your personal tax affairs, if the full enquiry resulted from your work as an employee.
Jury Service
We will pay the actual loss of your salary or wages (that are not legally recoverable from the court or your employer) for the time that you are off work whilst attending a court for jury service.
Probate
The pursuit of claims by the insured person in respect of a probate dispute, disputing the validity of the will of the insured person's spouse, parents, grandparents, children, stepchildren or adopted children
Contract Disputes
We will negotiate your legal rights in a dispute arising from an agreement, which the you have entered into for:
• The buying or hiring in of any goods or services; or
• The selling of any goods.
Property Protection
We will negotiate for your legal rights in a civil claim relating to material property (including your principal home), which is owned by you, following: • An event which causes, or could cause, physical damage to such property; • A nuisance or trespass.
Education
Appealing against the decision of a Local Education Authority (LEA) arising out of the LEA’s failure to comply with its published admission policy, resulting in the refusal to accept the insured person’s child or children at the state school of their preference, subject to a claim limit of £5,000 any one claim
Social media Defamation
Following defamatory comments made about you through a social media website, the claims administrator will: a) Contact the provider of the social media website requesting that the comments are removed. b) Write one letter requesting that the defamatory comments are removed from the social media website, where the identity of the author responsible for the defamatory comments is known.
Identity Theft
This section of your policy provides cover to reimburse the reasonable costs you incur whilst reinstating and correcting any wrongful debt or data recorded against you caused by another party not authorised to act on your behalf stealing and using your identity. Where your identity has been used by another person without your authority or knowledge, which has resulted in you allegedly being responsible for debt, financial loss or it effects your credit rating we will reimburse your costs reasonably incurred in resolving the issues up to the maximum sum of £5,000 (costs will need to be evidenced e.g. Via bills or invoices
Travel Consumer Disputes
Pursuing a breach of contract claim arising from a contract (which must be evidenced and recorded in writing) entered into by you for the purposes of undertaking a holiday in order to seek compensation and or implementation of the contract from the following: • Your tour operator or holiday company; • Your travel agent; • A car hire company with whom you have pre-booked a vehicle; • An airline, ferry, train, cruise liner or coach operator; • A hotelier or property owner.
Home Sale/Purchase
Pursuing claims arising out of a contract for the sale or purchase of the principal home entered into by the insured against: • The vendor of the principal home including taking legal proceedings to obtain vacant possession in the event of continued occupation of your principal home by the vendor; • A property valuer or surveyor acting on your behalf or on behalf of your mortgage lender; • A solicitor or licensed conveyancer acting on your behalf; • The removal firm contracted to move your household possessions; • Your mortgage lender; • A builder providing a warranty on the home or any built-in domestic appliance; • The public utility responsible for the connection of electricity, gas, water, sewage or telephone services in your home.
