What's Family Legal Protection?
Family Legal Protection is an optional extra you can add to your home insurance policy. It protects you and your family if you’re in a difficult situation.
It also gives you unlimited access to a free 24/7 legal advice helpline whenever you need it.
Family Legal Protection covers up to £100,000 in legal costs for things like:
- property or employment disputes
- legal defence
- personal identity theft
- personal injury claims
Just so you know, there needs to be at least a 51% chance of us winning the legal case for us to go forward with it.
Don't forget, policy limits and exclusions always apply here. You can find these in your policy book.
What does Family Legal Protection cover?
Family Legal Protection protects you if you find yourself dealing with a difficult legal issue or dispute.
Don't forget, limits and exclusions always apply here.
24-hour legal helpline
Get advice on any private legal problem with our 24/7 legal helpline.
Employment disputes
We’ll help you pursue legal action brought before an employment tribunal, or any disputes relating to your employment contract.
Personal injury
We’ll cover the costs for legal action if you want to claim compensation for damages after you’ve been in an accident.
Clinical negligence
If you’re subject to a negligent medical procedure that causes bodily injury or even death, we’ll support you or a loved one to claim compensation.
Consumer disputes
We’ll financially support you with disputes over:
- buying, selling or renting the home you live in
- buying or hiring in goods or services
Personal cyber and identity fraud
Access to a helpline for advice on cyber-related issues including:
- identity theft
- fraudulent fund transfer
- cyber extortion
- financial loss
- breach of personal information
- cyber bullying
Motor contract disputes
We’ll support you if you have disputes over:
- buying, selling, hiring or insurance of a motor vehicle or its spare parts or accessories
- service, repair or testing of the insured vehicle
Property disputes
We’ll cover the costs to pursue legal action after disputes relating to your main home or personal possessions, such as:
- someone causing damage to them
- legal nuisance or trespass
Probate
If there’s a dispute involving the will of your parents, grandparents, children, step-children or adopted children, the costs to pursue legal action will be taken care of.
Vehicle cloning
This covers you for costs in legal action if someone has used your vehicle's identity without your permission.
Tax investigation
If you're subject to an HM Revenue and Customs full enquiry, you’ll be covered for the costs you need to pay an accountant.
Jury service
You’ll be paid your salary while you attend a court or tribunal at the request of the solicitors we’ve appointed for you, or do jury service.
Legal defence
- Defence for criminal prosecution or certain civil action against you as an employee
- A formal investigation or disciplinary hearing is brought against you by a company or official body
Personal Cyber and Identity Theft Helpline
As part of your Family Legal Protection cover, you have access to a 24/7 personal cyber and identity theft helpline.
This offers you support and advice in a range of situations, including:
- identity theft
- fraudulent fund transfer
- cyber extortion
- financial loss
- breach of personal information
If you have Platinum home insurance or Family Legal Protection added to your policy, you have access to this helpline.
Head to your policy book to find out more about this benefit and how to reach the helpline.
How does it work?
If you've experienced cybercrime, you can call our support service for help.
One of our agents will work with you to identify the attack, contain the damage, and discuss your next steps.
They may support you by documenting evidence, liaising with your bank or filling out reports.
They'll also give you some advice on how to protect yourself online in the future.
The Legal Depot
The Legal Depot is a hub of legal templates, tools and guides designed to help you and your family get through life's unexpected legal events.
It can help you in a range of situations, including employment disputes and issues with faulty goods or services.
It can also give you guidance on tax and probate situations, drafting a will, financial planning and more.
Watch our video guide to find out what the Legal Depot can do for you.
How do I register for Admiral Legal Depot?
- Once you've taken out a Family Legal Protection policy with us, look out for your 'Welcome to the Admiral Legal Depot' email. This should be sent a few days after you've bought your policy.
- Find your voucher code in the email, then head to the Legal Depot to register.
- Enter your code into the 'First time using the Admiral Legal Depot?' section and click 'validate voucher'.
- Fill in your details to finalise your account.
What isn't covered by Family Legal Protection?
We don't cover your legal costs if you don't have a reasonable prospect of success, or less than 51% chance of success. But what does this mean?
Essentially, it means you don't have a good chance of winning your case. This might be because there's not enough evidence or the case simply isn't strong enough.
How do we decide your prospect of success?
Your prospect of success is decided by one of our expert panel of solicitors.
They take a look at all the facts of your case and make an independent assessment on whether they think you're likely to succeed.
If you don't agree with the decision, we can get a barrister to give a second opinion, but you'd need to pay for this yourself.
But if they decide in your favour, you'll get that money back and your case will be taken forward.
How do I get Family Legal Protection?
Our Platinum Home Insurance includes Family Legal Protection as standard. You can also add it to your policy if you have Admiral or Admiral Gold Home Insurance.
Get in touch with us if you want to add Family Legal Protection to your policy.
Who does Family Legal Protection cover protect?
The policy covers you and family members at the same address who are either:
- a partner (including civil or co-habiting) and any children
- parents of the policyholder
- brothers and sisters of the policyholder
Need to make a claim?
The first step is to call the legal advice helpline to speak to one of our advisors. They'll give you some advice and support and let you know what your next steps should be.
Call our legal advice helpline on 01179271852.
If your claim incident start date is before 31st August 2022, then you're insured with our previous supplier Arc Legal and may be directed to them instead.
Your questions answered
Will using the legal advice or legal depot services affect my no-claims?
No, these services can be used as much as you want from the day you start your policy without any impact on your policy renewal premium.
Will I have to go to court?
Most cases will reach settlement before they need to go to court.
This is the ideal situation as court cases can be stressful and lengthy. But if your case does need to be taken to court, we’ll continue to support you through the entire process.
Check out our video guide on going to court.
Who will represent me?
You’ll be represented by one of our expert solicitors on our panel.
You can choose your own solicitor to represent you, but typically the process will be smoother and easier if you work with one of our appointed solicitors.
This is because we already have an agreement with our panel, and how we will work together.
It means our solicitors can go ahead and get to work right away, without needing to pre-authorise each cost and payment with us first.
Check out our video guide on representation in court cases.
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Looking for other policy upgrades?
Admiral offers great value, flexible policy upgrades across all our Home Insurance products.