Legal Expense Insurance
The purpose of this Policy Summary is to help You to understand the insurance by setting out the significant features, benefits, limitations and exclusions. You should still read the full Policy Wording for a full description of the terms of the insurance, including the definitions. This Policy Summary does not form part of the Terms and Conditions.
This insurance is underwritten by Brit Insurance Ltd – 55 Bishopsgate, London, EC2N 3AS and administered by Abbey Legal Protection a trading division of Abbey Protection Group Limited.
Duration of Contract
The Period of Insurance is for 12 months or as otherwise stated in Your Policy Schedule.
The premium payable is as stated in Your Policy Schedule and Indication.
This is a claims made insurance which covers claims notified within the Period of Insurance. The Insurance indemnifies You for Legal Costs as shown in the Policy Benefit table below.
Significant Benefits and Exclusions
|Sections A - E £25,000 any one claimSection F £1,000 any one claim|
£500,000 in the Aggregate
|The United Kingdom of Great Britain and Northern Ireland||Schedule|
|All sections - Nil||Schedule|
|Sections D & F - Not applicable|
All other Sections - £1,000 any one claim
Defence of Criminal Prosecutions.
|Arising from HMRC investigations
Allegations of dishonesty
Allegations of speeding or driving whilst under the influence of alcohol or drugs or allegations of non endorsable road traffic offences
Legal expenses incurred in;
defending a civil action against you for allegations of unlawful discrimination
appealing against the serving of a Statutory Notice on you under the Health and Safety at Work Act 1974
Upon receipt of official notification from the General Medical Council into a complaint made against You requiring a formal response and/or attendance at a pre-dismissal interview provided the maximum indemnity is £2,500 Any One Claim
In a formal investigation or disciplinary hearing brought against You by any, professional or regulatory body.
|allegations of private practice clinical negligence;
Expert representation for Your business in the event of either a full enquiry, an Employer Compliance dispute, an aspect enquiry, a Schedule 36 pre dispute request or a VAT tribunal
Technical or routine treatment matters
Defence of a criminal prosecution
Taxation proceedings arising out of negligent misstatements or omissions by You or a lack of reasonable care in keeping Your business books and records
Investigations solely into earlier accounts or records
Where Corporation Tax and Income Tax Self Assessment Returns are submitted outside statutory time limits
Preparation or correction of a Self Assessment return
Investigations by the Special Civil Investigations or Criminal Investigations Office of HMRC
Disputes concerning Working Families Tax Credit, National Minimum Wage, IR35 legislation
Where the Anti Avoidance Intelligence Unit of HMRC are involved
Defence of claims arising out of an application or appeal under the Data Protection Act
|Jury Service Allowance
To pay the amount You are liable to pay employees when they attend on jury service
|Limited to £100 a day and £1,000 any one claim
Policyholders will have unlimited free access to the Legal Advice Line for specialist UK advice covering:
• Commercial Law • Employment Law • Scottish Law • Health and Safety • Taxation • VAT Enquiries
Claims Handling and Claims Notification
Initial notification of a Claim must be given by written notification, by first class post or facsimile to the Claims Department at Abbey Legal Protection, Minories House, 2-5 Minories, London EC3N 1BJ.
All notices and communications from the Insurer or their representatives to the Insured shall be deemed to have been duly sent if sent to the Insured’s address as last declared to the Coverholder or, in relation to any matters arising out of any Claim, if sent to the Appointed Representative.
Your right to cancel
If You are an individual acting for purposes outside Your trade, business or profession, You have a right to change Your mind and cancel Your Policy within 14 days of insuring with us and receiving Your policy documents, by writing to: Trafalgar Risk Management Ltd, through the contact page at www.trafalgar.uk.com. No charge will be made and any premium You have already paid will be refunded.
Your right to complain
If You are not satisfied with any aspect of our service or the insurance provided, You should contact us by writing to:
The Customer Services Manager, Abbey Legal Protection, Minories House, 2-5 Minories, London EC3N 1BJ.
We will do our best to resolve Your complaint but, if You are still not satisfied You can refer Your complaint to the Financial Ombudsman Service who may be able to review Your case:
The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.
Your right to compensation
If You have a turnover or income of less than £1m a year You may be eligible for compensation from the Financial Services Compensation Scheme should the Insurer not be able to meet their obligations.
If there is a dispute between You and the Insurer, You and the Insurer are free to agree the law applicable. Unless specifically agreed to the contrary this insurance shall be subject to the laws of England and Wales.