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    • Join Date: Jan 2007
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    #1

    legal expenses cover, household insurance policies

    Legal expenses cover is often sold as an add-on to household insurance policies.

    Please explain the emboldened parts.

  1. I'm With Stupid's Avatar
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    #2

    Re: legal expenses cover, household insurance policies

    Household insurance policy: you pay money to an insurance company on a monthly basis, and if your house is damaged for whatever reason (weather, criminal damage, etc), they'll pay for it to be repaired. There are also car insurance policies, travel insurance policies, health insurance policies, and many other types. It is often said without the word "policy" on the end, just becoming "household insurance."

    Legal Expenses Cover: A lot of insurance companies will provide you with legal assistance should you need it. They will pay for a lawyer, or any other legal costs that might be involved in an accident.

    Not a teacher.


    • Join Date: Jan 2007
    • Posts: 1,740
    #3

    Re: legal expenses cover, household insurance policies

    Thanks a lot.

    I understood "household insurance policy".
    But I couldn't understand "Legal Expenses Cover". Could you explain it to me in some other way?

  2. I'm With Stupid's Avatar
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    #4

    Re: legal expenses cover, household insurance policies

    I'll try and explain it in the context of car insurance, since that's the only insurance I've ever bought myself.

    For example, you are driving, and you are hit by an uninsured driver. Certain things are covered by your insurance, such as the cost of repairing your car. However, other things aren't always covered by insurance, such as:
    - Travel costs while your car is being repaired.
    - Phonecalls to the insurer.
    - Any excess paid to the garage. An excess is where you are required to pay a certain amount towards the cost of any repairs of your own car in the event of an accident. So if you agree to a 100 excess, you have to pay 100 of any repair bill.
    - Money lost from time off work as a result of any injuries.

    You are allowed to take the person to court for these expenses too. Ordinarily, you would have to pay for any legal advice and legal representation yourself. But if you have Legal Expenses Cover, your insurance company will pay for this.

    Hope that helps.


    • Join Date: Jan 2007
    • Posts: 1,740
    #5

    Re: legal expenses cover, household insurance policies

    thanks a lot "I'm with stupid". It's a really nice explanation and I got it.

    Can we sell this "legal expenses cover" as the original sentence suggests?

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