Legal protection

Monday, 20 June 2016


Legal protectionFor a variety of reasons, homeowners of any age can find themselves involved unexpectedly in legal disputes that require professional advice, services and action that can in many instances amount to considerable sums of money. This is where Personal Legal Protection from RIAS comes in.

Provided by Arc Legal Assistance Limited and underwritten by Inter Partner Assistance SA, this optional extra available to our home insurance customers provides up to £50,000 for the pursuit of a wide range of disputes including:


  • Personal injury: providing aid in relation to taking compensatory legal action against a person or organisation directly responsible for your personal injury or death following an accident.
  • Clinical negligence: an increasingly frequent occurrence these days, negligent action and/or advice on the part of medical clinicians can result in considerable injury, limitations and other consequences including the loss of life, so Personal Legal Protection contributes towards the cost of paying for legal assistance.
  • Pursuit and defence of contractual disputes: in case legal action is taken against you by another person who claims a breach of contract has occurred after buying goods from you for their private use; or conversely to pursue a claim against a person from whom you bought or rented goods or services for your private use.
  • Tax investigation: if HMRC subjects you to a full enquiry into your personal income tax, Personal Legal Protection will contribute towards or cover the fees charged by advisors instructed by your accountant, providing you’ve maintained proper and accurate records, all tax returns have been filed and paid promptly and HMRC has been provided with all the information they have requested.
  • Employment disputes: if you take legal action against a current or former employer because you believe they have breached your contract of employment, the advisors’ costs in pursuing legal action through an employment tribunal or similar will be covered providing the policy’s criteria are met.
  • Defence of motoring prosecutions: in circumstances where your use of a vehicle results in a motoring offence or other related legal action being taken against you, this optional insurance will contribute towards your legal advisors’ fees. Pleas in mitigation can also be covered in certain circumstances. Parking violations that do not attract driving licence penalty points are not covered and you must have been insured to drive the vehicle and not disqualified at the time the offence occurred.
  • Property: if a person or organisation trespasses or causes a nuisance within the boundaries of your home, legal advice and services will be covered in pursuing legal action against them, along with damage caused to your main home if it meets certain restrictions.


More information

Additional services are also available such as RIAS’ Total Legal package and Law Assistance from Arc Legal, which provides access to legal assistance and various legal documents online. Anyone interested in our legal protection should refer to our full policy wording for in-depth information on what is and isn’t covered.

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