Legal Expenses Cover

Legal expenses cover helps to give you peace of mind that if you have an issue at work or a problem with a neighbour, for example, your legal costs will be covered up to £100,000 and there's no excess if you need to make a claim.

This is an optional add-on to our Bronze, Silver or Gold Home Insurance policies, and the benefits include:

• No excess if you need to make a claim.

• Add cover at any time so if your circumstances change halfway through the policy, it’s no problem.

• No admin fees – it's completely free to make changes at any time, but your may premium may go up.

• Fair, transparent pricing – you only pay for the extra options you choose.

Bronze, Silver and Gold John Lewis Home Insurance is brought to you through our Home Insurance provider, Munich Re Digital Partners Ltd.

What is legal expenses cover?

Legal expenses cover covers your legal costs and expenses around any claims you may need to make. This includes the cost of hiring a lawyer if your case goes to trial and generally we will provide you with our choice of lawyer. We can also cover any lost earnings during the time you are in court and not able to work.

Some typical situations legal expenses cover can help with include:

• Disputes about buying, hiring or selling products and services - anything from a new sofa to a family holiday.

• Dispute amount must be more than £100 (including VAT).

• Claims made by visitors who have been injured at your home.

• Poor work carried out by a tradesperson in your home.

With our legal expenses cover (also known as family legal expenses), you have our help and support for any unexpected difficulties that may come up at home, work and beyond. It is an add-on available with Bronze, Silver Gold policies from John Lewis Home Insurance and it covers both you and your immediate family members.

What’s covered by legal expenses cover?

There is a range of common scenarios covered within legal expenses cover, including:

Do you need legal expenses cover?

Legal expenses cover can be helpful if you ever find yourself in a difficult situation with a neighbour or employer, for example. We’re here to help you to resolve things, hopefully without having to go to court. But if you do go to court, we cover your costs there too - up to £100,000 in total per claim.

You have 24/7 access to our specialist legal help and support, as well as 24/7 confidential counselling. You also have access to our tax advice helpline and our health and medical advice helpline - both of which are open 9am-5pm, Monday to Friday. We hope this goes some way to lightening the load.

Is there anything legal expenses cover doesn’t cover?

There’s a full list in your policy document, but as an overview the types of situations that aren’t covered include:

• Marital disputes including divorce.

• Problems with landlords.

• If you are arrested for a suspected crime.

• Parking fines, speeding tickets, etc.

We’ll take as much detail as possible about your claim before making a decision. We’re only able to take on cases that we believe have a good chance of success.