Legal services insurance

Cover to pursue or defend things like personal injury, employer or property disputes.

Remember you only need to take this cover out once for your household, rather than for each family member who lives with you.

On this page you can see:


With Pick and Protect legal services insurance we’ll cover:

  • legal expenses up to £50,000
  • a lawyer specialising in the law relating to your claim or one you nominate to represent you
  • employment disputes such as unfair dismissal or discrimination at work
  • property issues such as noisy neighbours or boundary disputes
  • personal injury including food poisoning and accidental injury which is someone else’s fault
  • consumer disputes relating to goods or services you have bought, sold or rented for your personal use such as car purchases or breach of contract by a holiday company
  • medical negligence by anyone responsible for your care such as doctors, dentists and cosmetic treatment practitioners
  • every family member who lives in the main family home which you include on the policy
  • unlimited number of claims without affecting your no-claims discount

Terms, conditions and policy exclusions apply. Must be a UK resident and aged over 16 to apply.

Start a quote

Must be a UK resident and aged over 16 to apply.

Home emergency and legal services cover

Home emergency can cover your home for unexpected emergencies. Our legal services cover provides you with protection against personal injury, employer and property disputes. 

It's important that you know what this insurance does and doesn't include. You'll find more details here.

Retrieve an existing quote

Must be a UK resident and aged over 16 to apply.

Quote references beginning with QTE

If you’d prefer to call

0345 030 8788

If you'd prefer to talk to a member of our team please call us:
Monday to Friday 8am - 8pm
Saturday 8am - 6pm
Sunday 10am - 4pm
Bank Holidays 10am - 4pm

Calls to our 0345 numbers are charged at local rates dependent on network and usually included in inclusive minute plans. For our joint protection, telephone calls may be recorded and/or monitored.

You won’t be able to claim for:  

  • disputes which you know are likely to happen before taking out this policy
  • disputes with anyone related to you or who is insured on the same policy
  • disputes related to letting a property
  • legal fees unless the lawyer thinks you have more chance of winning the case than not

You can see the full list of exclusions in the Policy Document. Must be a UK resident and aged over 16 to apply.

Get £5 off your policy with any other cover you take out. T&Cs apply.

You can add the following when you apply:

  • buildings insurance so the bricks, mortar, fixtures and fittings of your main home are insured. 
    You could save money if you take out buildings and contents insurance together versus buying them separately. See our home insurance page to get a combined quote
  • contents insurance so the things in your home, garage or shed are covered 

Call 0345 030 8839 for confidential legal advice as soon as you become aware of a situation which may lead to a claim. This number is open 24 hours a day, 7 days a week all year round.

You’ll need to have your policy number to hand. 

Remember, there are no fees or excess to pay for using your Legal services cover – it won’t count as a claim on your home insurance policy so your No Claims discount won’t be affected.

We will confirm:

  • your legal rights 
  • the options available to you
  • if you need a lawyer or you can take action yourself
  • if your issue can be covered under the Legal Services cover taken out with us

You will be provided with a lawyer specialising in the law relating to your claim. You don’t have to find your own lawyer but you’re free to choose one to represent you (although conditions apply, including that they must accept the terms of appointment).

The likelihood of winning your case will be assessed by the lawyer, known as ‘Prospects of Success’.

Legal costs and expenses paid up to £50,000 if the lawyer believes you’re more likely than not to win your case and pursues it for you.

The lawyer will try to resolve your case with the other side. However, if a resolution isn’t reached the case may go to a court which will decide an outcome. You may have to attend and give evidence.

Continued legal fees will be paid if the prospects of success remain in your favour.

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