What is family legal protection?
Understand family legal protection through your home insurance and how it could help you.
Key points
- Family legal protection is an optional add-on to your home insurance that helps with the cost of legal advice and action.
- It can cover areas like employment, consumer, property, personal injury, and medical negligence law.
- Some providers offer 24/7 legal helplines, giving you unlimited access to advice when you need it most.
- With Aviva, this cover is called Legal Services Cover and includes support for you and your family, subject to your policy terms.
- You can also consider other optional extras like home emergency cover and accidental damage cover to help protect your home further.
Family legal protection (FLP) is a type of cover you can get through your home insurance. It can help you with certain costs of legal action or having to make a claim against someone. In this article we’ll talk about what it is, how it works and what it does and doesn’t cover.
How does it work?
Some insurers will offer family legal protection as standard within their home insurance policies. But, it might be an optional extra that comes at an additional cost, so check with your insurer.
As a feature of this cover, some providers have a 24-hour helpline you can call when you need legal advice. They’ll help you to understand your rights and options. You’ll also, usually, have an unlimited number of calls you can make to them.
If you’re covered, your provider will arrange for you to speak to a lawyer. If you want to use a lawyer of your own choice there may be conditions, so check with your provider what these might be.
What is covered by family legal protection?
Each provider might cover slightly different things such as:
- employment law.
- consumer law.
- property law.
- personal injury law.
- medical and cosmetic negligence.
What isn't covered by family legal protection?
You'll have to check each provider for their individual exclusions.
Why can you get legal insurance through home insurance?
Legal insurance falls under home insurance because it may help you cope with legal issues as a homeowner or tenant. But the main reasons this tends to fall under home insurance are:
- Property-related disputes – this might be when you encounter legal issues relating to the property itself, like boundary disputes.
Legal Services Cover with Aviva
The equivalent of Family Legal Protection with Aviva is our Legal Services Cover. It’s an optional add-on for home insurance that provides 24/7 access to legal advice through a helpline.
This service can be added at an additional cost. If you, your domestic partner, or any family members living with you need legal help, we will continue to fund the costs and expenses up to the limit shown on your policy schedule, subject to the terms and conditions of your policy.
Other types of optional cover to consider
You can also get other types of cover under home insurance, such as:
- Home emergency cover, helps cover urgent issues with your property that may mean you can’t stay there.
- Accidental damage cover will usually protect you from accidents like a vase falling off a shelf and cracking your bathroom sink. Or a football smashing your window.
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