Family Select Legal Protection It may be an employment matter, a dispute over goods that you purchase or sell, or you and your family may find yourself involved in legal areas which are governed by a minefield of legislation. Family Select has been specifically designed to ensure that you have peace of mind knowing that you and your family are fully
Family Select Legal Protection Policy Summary Summary Some important facts about your Family Select Legal Protection policy are summarised below, which you should read. This summary does not describe all the terms and conditions of your policy, so please take time to read the policy document to make sure you understand the cover it provides. When reviewing your policy it should be read in conjunction with your policy schedule. Family Select Legal Protection is a legal expenses insurance contract, which helps you in the event of identity fraud and also helps you by providing legal advice and representation if you, or family members who permanently live with in the home, have a legal dispute which is insured under the policy. Insurers: UK General Insurance Limited on behalf of Ageas Insurance Limited (for full details see the policy wording) Your cover is valid for one year. Significant features and benefits Significant and unusual exclusions or limits Relevant section in the policy document In the areas described below, we will resolve an insured legal problem through ourselves, or if we agree it necessary, we will appoint an external panel solicitor to act on your behalf, who will negotiate settlement. We will only provide cover if the legal costs and expenses and incident took place during the period of insurance and the incident leading to your claim is covered by a court within the geographical limits. 50,000 is the maximum sum payable by the insurers for all insured events which are related in time or by cause after aggregation of the legal costs and expenses of you or your family members and any opponents insofar as you are liable to pay them. However the maximum sum payable under Section 4 Identity Fraud it is 25,000 and under Section 8 - Jury Service it is 1,000. We will not pay legal costs and expenses for legal proceedings if we consider that you will not get a reasonable and proportionate settlement or if any expected settlement is small compared to the time and expense involved. Unless we agree to commence court proceedings or there is a conflict of interest, we have the right to choose a solicitor/adjuster to assist you. Definitions: Limit of indemnity. Special Exclusions Representation.
Section 1: Personal Injury Claims arising from your personal injury or death. No claim relating to you driving a motor vehicle is No claims relating to illness, injury or condition arising as a result of alleged clinical or medical negligence is Section 1 - What is Section 2: Employment Claims involving an employment tribunal, arising from your contract of employment. You or a family member must agree to use the solicitor nominated by us. No disputes over redundancy are The first 250 of any claim is not Section 3: Contract Disputes Disputes over selling, buying or hiring any goods or services, including selling or buying a home. Disputes for less than 1,000 if buying or selling a motor vehicle and disputes for less than 100 for anything else are No cover for any contract entered into in connection with a business activity. No cover is provided for any dispute which starts within 3 months of the period of insurance start date, unless the claim is to do with a contract you entered into after the start date of this policy. not covered - c. not covered - a. Section 4 - Identity Fraud Cover If you become aware of and can prove identity fraud, we agree to pay up to 25,000 for legal fees, subject to prior approval, to defend a claim wrongly made against you as a result of identity fraud, including cover of your communication costs, your loss of earnings, reinstatement of credit rating via statutory declaration, or reapplication for loans. We will give you access to to a confidential helpline if you believe you have been the victim of identity fraud. We must be told of a claim within 90 days of you becoming aware of identity fraud or attempted identity fraud. Loss of earnings is only covered for four weeks in any year up to 2,000. We will not be liable for any legal costs and expenses incurred prior to us approving these in writing. Unless we agree to commence court proceedings or there is a conflict of interest, we have the right to choose a solicitor or adjuster to assist you. The first 50 of any claim is Section 4. What is Section 4. Limits. Section 4. Limits. Representation. Section 4. Conditions.
Section 5: Work Legal Defence Defence of criminal prosecutions and actions for an unlawful discrimination or breaches of the Data Protection Act arising from an insured person s work as an employee. Defence of motoring prosecutions. No cover is provided for parking offences, driving without insurance or drink driving. Section 5. What is Section 6: Property Protection Civil claims relating to physical damage to your home or secondary home. No disputes for less than 100 are The first 25 is not covered for any nuisance or trespass claims. No claims are covered for mining subsidence. Section 6. Section 6. Section 6. What is Section 7: Tax Protection Protection in the event of a full enquiry into your personal tax affairs. The tax affairs of any company, or any claim if you are self employed, a sole trader or in business partnership are not Section 7. What is Section 8: Jury Service Payment of salary while an insured person is absent from work to attend Jury Service up to 1,000. We will not pay the salary or wages if they are recoverable from the Court or your employer. Section 8 What is Cancellation If you decide that for any reason, this policy does not meet your insurance needs then please return it to the administrator within 14 days of issue. On the condition that no claims have been made or are pending, we will then refund your premium in full. Thereafter You may cancel the insurance cover at any time by informing the administrator however no refund of premium will be payable. The insurer shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by giving 14 days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to you at your last known address. Valid reasons may include but are not limited to: a. Fraud b. Non-payment of premium c. Threatening and abusive behaviour d. Non-compliance with policy terms & conditions Provided the premium has been paid in full you will be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance. Making a claim To make a claim please call 0845 034 4582.
Financial Services Compensation Scheme (FSCS) Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if Ageas Insurance Limited cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk Complaints Procedure It is the intention to give you the best possible service but if you do have any questions or concerns about this insurance or the handling of a claim you should in the first instance contact the Managing Director of the administrators. The contact details are: The Managing Director, LawShield UK Ltd, 850 Ibis Court, Lakeside Drive, Centre Park, Warrington, WA1 1RL Tel: 0800 731 3942 Fax: 0845 077 0806 Email: customerrelations@lawshield-uk.com Please ensure your policy number is quoted in all correspondence to assist a quick and efficient response. If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity and have an annual turnover of less than 2 million and fewer than ten staff. You may contact the Financial Ombudsman Service at: The Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR. Tel: 0845 080 1800 The above complaints procedure is in addition to your statutory rights as a consumer. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau.