We are currently helping many of our customers with the impact of the large storm so our phone lines are very busy with long wait times. Unless your claim is an emergency, please register your claim online, it's quick and easy to do.

okay

Lifestyle Guides

Family Legal Protection: What is it & how does it work?

Also known as legal cover, Family Legal Protection helps pay legal costs towards claims for several issues. Find out more here.

solicitor working on documents at desk

Things don’t always go as planned. Whether it’s a dispute with a tradesman, an unexpected injury or even a disagreement with your employer, we can all use a bit of extra assistance every now and then. That’s where Family Legal Protection could help.

What is Family Legal Protection?

Solicitor costs can be expensive, with rates ranging from £100- £300 per hour. 

Family Legal Protection covers you for up to £100,000 worth of legal costs per claim for several issues, including Property and Employment Disputes, as well as Personal Injury claims. 

It also provides a Legal Helpline available 24 hours a day, 365 days a year for advice on any personal legal matter that affects you or your family.

What can I claim for with Family Legal Protection?

Family Legal Protection will protect you and your family if you find yourselves in a difficult situation, and covers common issues such as:

  • Consumer Disputes - If you have an issue involving goods or services you’ve bought or sold, we may be able to help cover your legal costs
  • Personal Injury - If you have an injury that wasn’t your fault, we may be able to help cover legal costs to pursue the person or business responsible for causing your injury
  • Employment Disputes - If your employer has breached your employment contract, we may be able to help cover costs if you wish to pursue legal action against them in an Employment Tribunal

man at laptop speaking on phone

Examples of claims

Personal Injury

Our customer was a passenger in a vehicle when they were hit by a falling tree. They suffered head trauma and multiple injuries before being transferred to hospital. 

Outcome: Our customer contacted us to claim for compensation for the injuries sustained and loss of salary while they were out of work.

We were able to successfully secure a settlement of £65,000.

Employment Disputes

Our customer was subject to racial harassment at work. They were refused PPE kit, suffered damage and theft from their locker and numerous complaints were made about their agreed working hours by other employees. 

Our customer was distressed and considered quitting their job as they didn’t feel supported by their employer.

Outcome: We appointed a solicitor to represent our customer at an Employment Tribunal and negotiated a settlement of £20,000. 

Consumer Disputes

During some building work at our customer’s property, an area of exposed roof caused water damage to the internal ceilings of the existing building. Further damage was also caused to carpets and mattresses, and black, damp patches appeared on the walls.

Our customer felt the contractor’s work was poor quality and lacked care. They sought advice from the local council who confirmed the build didn’t comply with building regulations and was a health and safety risk. Our customer had to pay another contractor to complete the unfinished works.

Outcome: We were able to successfully negotiate a settlement of £5,800 for damages.

Frequently Asked Questions

 

What can’t I claim for with Family Legal Protection?

There are certain situations that aren’t covered under your Family Legal Protection policy:

  • Where the estimate of costs is higher than the amount in dispute
  • Where there’s no reasonable prospect of success, due to a lack of evidence or legal obstacles
  • For disputes that arose before the policy start date and not all claims will be covered in the first 30 days of the policy 

What does ‘reasonable prospect of success’ mean?

A reasonable prospect of success means there must be a 51% or greater chance of winning the case and achieving a positive outcome. 

A positive outcome includes: whether the amount of money in dispute is obtainable, whether a favourable judgement is achievable and whether or not there’s a better way to settle in your favour.

What if I don’t agree with the solicitor’s assessment of my claim’s ‘prospect of success’?

If you disagree with your legal representation’s opinion your case file may be reviewed by a senior solicitor, or we may request a barrister’s opinion.

Can I claim for an issue that began before I bought the policy?

You can’t claim for legal disputes that occurred before the start of your policy and you may not be covered for disputes arising within the first 30 days.

Can I claim for costs incurred before I make a claim?

You’re not able to claim for any costs incurred before your claim was accepted. It’s important to contact us as soon as possible once a dispute arises so we can advise the best way forward.

Can I choose my own solicitor?

Most claims are dealt with by our recommended solicitors unless legal proceedings have already been issued or a conflict of interest arises. 

When a non-recommended solicitor is requested and agreed, the costs must be no more than our standard advisor’s costs.

When using a recommended solicitor, all legal costs involved in your claim will be covered by your policy up to the maximum amount payable.

How to make a Family Legal Protection claim

Your first step is to call the Legal Helpline on 0344 770 1042 and quote Admiral Insurance Family Legal Protection, and you’ll receive legal advice and details on how to make a claim. Alternatively, you can start your claim online.

Bear in mind that for a claim to be considered, your claim must be judged to have at least 51% prospect of success and you can’t claim for anything that happened before your policy start date.

If you don’t currently have Family Legal Protection you can take it out with us over the phone. Get in touch and we’ll be happy to help. 

You can find the full policy wording in the Home Insurance policy booklet.

Flexible home insurance from Admiral