What does legal expenses insurance cover? Understanding legal costs cover.
Legal expenses insurance; what it covers and when it may not be worth it.
Around 25 million households have legal expenses insurance, according to the consumer organisation Consumer Focus. The problem is that many people don’t realise this or don’t know what it covers. Legal expenses insurance gives you free legal advice and the use of a lawyer in case of a dispute about employment or other civil matters. It can cost between £13 and £24 a year and is often sold alongside car or home insurance, although you may also get it with a paid-for bank account.
Is it better to insure your gadgets on your home insurance or take out gadget cover?
It’s often said you can save money on gadget insurance by using cover on your household policy. Are there any downsides?
A while ago I was emailed by a SavvyWoman user who had been refused household insurance after she’d made several claims in the space of five years. Although one of the claims was over £10,000, due to a bathroom leak, most were for a few hundred pounds for accidental damage to a camera, computer and mobile phone. It got me thinking about whether there was a downside to relying on your household insurance for gadget cover.
If your property is damaged in a storm, will your insurer pay up?
How to claim for storm damage; understanding when your insurer may refuse your claim.
As I write this, rain is lashing against my office window and the winds are pretty relentless, to say the least. So I’m pretty confident it’s a storm. But when it comes to storm damage claims, insurers don’t have any official definition of what counts as a storm. While household insurance will pay for damage caused by a storm, it won’t cover the costs of damage during ‘normal’ rough weather. So what happens if you and your insurer don’t agree?