Family legal protection gives you the 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.
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
- Fair, transparent pricing – you only pay for what you specifically need, with no hidden extras in the final price
- No unnecessary renewal hikes because we really do value your loyalty.
What is family legal protection insurance?
Family legal protection 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 family legal protection can help with include:
- Disputes about buying, hiring or selling products and services - anything from a new sofa to a family holiday
- Claims made by visitors who have been injured at your home
- Poor work carried out by a tradesperson in your home
With our family legal protection (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 family legal protection?
There is a range of common scenarios covered within family legal protection, including:
Do you need family legal protection?
Family legal protection 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 family legal protection 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.
No, but it’s already included in our home insurance policy, so if you or your family experience identity theft we’ll provide cover for expenses and legal fees. This is a benefit for all John Lewis Home Insurance customers.
No, but you can add family legal protection to your Bronze, Silver or Gold policy from John Lewis Home Insurance at any time with no admin fees.
No. We won’t be able to cover any events or injuries that happened before you added family legal protection to your John Lewis Home Insurance.
There is no excess with our legal protection insurance add-on.
We can cover claims over £100 including VAT.
Choose other optional add-ons
With our Bronze, Silver or Gold Home Insurance policies, you can change your add-ons to suit your new circumstances at any time, without admin fees or hidden charges.
John Lewis Finance, John Lewis Home Insurance and John Lewis & Partners are all trading names of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England and Wales (Registered Company Number 233462). John Lewis plc is an appointed representative of Munich Re Digital Partners Limited, a company authorised and regulated by the Financial Conduct Authority to carry on insurance distribution activities.
John Lewis Finance, John Lewis Insurance and John Lewis & Partners are all trading names of John Lewis plc. Registered office: 171 Victoria Street, London SW1E 5NN. Registered in England and Wales (Registered Company Number 233462). John Lewis plc is an appointed representative (Financial Conduct Authority no. 416011) of Covea Insurance plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registration no. 202277). John Lewis Specialist Home Insurance is underwritten by Covea Insurance plc. Registered Office: A&B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales (registration no. 613259).