Legal And General Home Insurance – We all have at least one car insurance and one home insurance. It is something that we internalize as necessary but, in addition to acting in the event of an accident or breakdown, did you know that your home policy can get you out of other troubles that you cannot even imagine? It will depend on the coverage you have contracted, but in most cases, this type of policy includes legal defense coverage. However, what exactly does it consist of?
What companies include this coverage in their home insurance?
It may seem that the legal defense in home insurance is as basic a guarantee as the protection of the continent. However, not all home insurance includes it. When contracting a policy of this type, it is important to read its general conditions. If you compare all the home insurers, you will see that there are companies that include legal defense among their coverage, either as standard or as a complementary guarantee. Or at least a telephone legal advice service. This follows from the analysis we have made of this guarantee in the home policies of four large companies:
|Does it offer legal defense as a standard guarantee?||No, it is optional in the Family Home and Platinum Home policies||Yes||Yes||Yes|
|What does your legal defense cover?||Basic:|
Claim of damages
Criminal defense, absence, and legal death
Proceedings and legal fees
|Advice and Legal Protection||Claim for damages and non-compliance with pensions|
Rights related to the insured home (as a tenant and as an owner)
Defense in administrative infractions related to housing
Constitution of bail in criminal proceedings
Contracts (for services, consumption, on personal property)
Defense against domestic service
Challenge of the cadastral value
Rights related to housing (as a tenant and as an owner)
Contracts (services, furniture, supplies)
Defense in administrative infractions related to housing
|Limits of your legal defense||No capital available in case of free choice of lawyer and solicitor||In legal direction: 100% minutes and expenses, up to 30,000 euros. 1,500 euros for free choice of lawyer and solicitor|
In advice and legal protection: up to 6,000 euros
|Capital indicated in the particular conditions||Capital indicated in the particular conditions|
|Do you have telephone legal advice?||Yes||Yes||Yes||Yes|
|Most attractive aspects of your legal defense||Claim for damages due to contractual or extra-contractual fault or negligence||Includes labor claims (defense in the procedures or files followed against the insured by their domestic service employees, in the scope of the employment relationship)||Optional warranties available:|
Amateur radio antenna civil liability
Civil liability against domestic staff
|Free choice of lawyer and solicitor, with the insurer assuming the cost of the fees|
Mapfre: legal defense as an optional guarantee
MAPFRE insurance is very flexible. Each user decides the coverages that he wants to include. This condition also affects the legal defense guarantee, available as an option in the Family Home and Platinum Home modalities. Among other cases, MAPFRE Hogar’s legal defense covers claims for damages, criminal defense, and labor claims. It stands out when contemplating this benefit whether it is damaged due to contractual or non-contractual fault.
Allianz: an extensive legal defense in all its insurance
Allianz offers Legal Advice and Protection among the guarantees of all its policies, including the most essential, its Allianz Basic Home insurance. If you contract a more complete modality, you can add other legal benefits, such as the online testament service, which is included among the Plus services of the Plus Home Insurance, Extra Legal And General Home Insurance, and All Risk Home Insurance policies. The benefit includes notary fees. It adds other attractions compared to other options by proposing protection in the event of alleged administrative infractions that are related to the insured home and claims for the defective provision by third parties in different services.
Ocaso: the most complete legal defense
Ocaso includes Legal and Legal Assistance among the coverage of all its modalities. What changes is the limit of the expenses contemplated for this guarantee. In the Ocaso Home Comfort and Ocaso Home Plus policies, it is 6,000 euros, while for its most basic policy -Ocaso Home Standard- expenses for legal and legal assistance are guaranteed, up to a maximum of 3,000 euros. Ocaso stands out from the competition by presenting a long list of benefits within this guarantee that take into account multiple areas, such as labor or claims in contracts of various kinds.
Zurich: legal protection, also for landlords
For its part, the Zurich Multi-Risk Legal And General Home Insurance also offers legal defense among its basic guarantees, as well as telephone advice. The most interesting thing about Zurich Hogar is that it provides specific legal support for rental housing. When contracting the Rental Protection guarantee, you have legal defense related to the rental contract, among other benefits designed especially for this type of housing. If you are a tenant, Zurich is also responsible for disputes arising from the rental agreement. The legal defense of this company also includes claims in case of non-compliance with service contracts: from qualified professionals, doctors, and hospitals, cleaning, removals, etc.
What is legal protection? Legal And General Home Insurance
Legal And General Home Insurance protection is a guarantee offered by the insurer to cover the expenses generated by the insured when participating in a judicial or administrative procedure. Its main purpose is to defend the individual against claims or problems by friendly or legal means. It includes advice to the person, the claim on their behalf, and the request for compensation for the damage caused.
All this without the insured having to pay any additional sum for the expense that this type of procedure usually entails. And although to benefit from these benefits you can take out specific legal defense insurance, some such as home or car insurance usually include it, in a more limited way, among their coverage.
Within this guarantee, the Civil Responsibility of the insured is also covered, which covers the expenses generated by the damages caused to third parties in cases such as the performance of a work, the appearance of a leak, or by the actions caused by a domestic animal.
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Legal defense insurance coverage: Legal And General Home Insurance
In general terms, the legal defense covers the expenses generated (fees, minutes, etc.) by all the people who are included in the policy, whether they have initiated the claim or if they are the ones reported. As in all insurance, the conditions will vary from one company to another and it is essential that we look before hiring. The basic risks that may include are:
- Civil and labor defense of the insured, if he has not acted in bad faith.
- Consumer claims for conflicts generated with supply contracts and for the sale of goods.
- Drafting and revision of legal texts.
- Telephone legal advice for issues related to housing rental, works, sales, doubts about divorce, inheritance, etc.
- Expenses are derived from legal proceedings in which the insured is immersed.
- Lawsuits for works carried out in the home or problems in the community of neighbors.
- Choice of lawyer and solicitor by the insured, provided that these professionals can practice in the place where the procedure is performed.
However, before hiring, look at the limits that are reflected in the fine print. The basic points you should pay attention to are: if you have a franchise, what are the limits on the payment of fees to lawyers and solicitors and if there is any special condition, such as, for example, that the insurer does not provide its services if it considers that the process is unfeasible.
In the same way, one can also speak of general exclusions. Some of the most common are that the payment of fines or compensation for expenses derived from the sanctions imposed on the insured and claims against banks are not covered, among other assumptions.
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What types of legal defense insurance exist?
These policies can be included in company insurance, self-employment, neighborhood communities, and individuals privately to safeguard the interests of your family. The type of coverage in legal defense will depend on who hires it and the area they want to protect:
- Home and Communities: includes the costs originated in this area by the legal defense of the contracting party and claims for damage to the property and non-payment of fees to the community of neighbors.
- Self-employed and companies: to claim unpaid bills and all extrajudicial issues to which they are exposed in the performance of their work activity.
- Drivers: covers the expenses generated from the procedures for the loss of the license, the defense of the insured, and that of the occupants, in the event of any accident.
- Private or family: defense for all family members, drafting of legal documents, and advice in case of divorce.
Mandatory or optional coverage: how do I contact legal defense?
As we have already seen, it is possible to take out home insurance that includes legal defense among its standard coverage, but there are also policies that include it as an option or that offer you different levels of protection for this guarantee. This difference can be appreciated by taking as a reference the legal defense coverage in two large companies: Mutua Madrileña and AXA.
Mutua Madrileña has two types of a legal defense: Legal Protection and Legal Protection Plus. The specific legal protection that refers to “the legal help you need in the activities of your private life through telephone advice and legal defense”.
However, in the Legal Protection Plus -standard in your MM Global Home Plus insurance- extra advantages are added, which make it one of the best guarantees in a home policy: tax and labor defense, legal defense abroad and of the student, defense on the Internet, comprehensive management of the testamentary process, telematic presentation of personal income tax and mediation in mortgage conflicts, among others. It is possible to have legal protection as an option, if you add that guarantee to any of your policies, even if it is insurance for a rental home -except MM Hogar Fácil-.
For its part, AXA offers different levels of protection regarding legal defense. Depending on whether you opt for FlexiBasic, FlexiConfort, or FlexiVip, you can have Basic Legal Protection, Comfort Legal Protection, or Vip Legal Protection, or choose one of them and add it to your policy. The basic protection includes the usual assumptions -claims for damages, criminal defense-, as well as telephone legal advice. With the most complete option of legal protection, you also enjoy defense in conflicts with neighbors -against neighbors or the community of owners-, in labor law, and in claims against the tenant.
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Can I choose a lawyer? In what cases not? Legal And General Home Insurance
The free choice of lawyer and solicitor is an aspect that you should review in the conditions of the policy. Above all, you have to pay attention to two questions:
If it effectively allows the free choice of lawyer. There are many companies, such as Ocaso, that do not consider it when it comes to offering legal defense at home.
If allowed, what limit of expenses does it establish, in terms of lawyer’s fees and attorney’s fees? All companies set a limit when they offer you the option of freely choosing the lawyer to defend you in a possible claim or other legal cases.
While in car insurance, the freedom to choose a lawyer and solicitor is usually a very common option, it is not so when we talk about legal defense at home. In addition, it can be conditioned to the fulfillment of certain requirements.
In the case of Mutua Madrileña’s MM Hogar Global insurance, it is the company that assumes the legal direction and assigns a lawyer in claims for damages, criminal defense of the insured, etc., but establishes an exception: in case of conflict of interest -for example, if they have to defend you against a third party who claims damages and who is also insured by La Mutua-, you have the freedom to choose a lawyer and Mutua Madrileña has the obligation to bear the expenses, up to the limits agreed in the policy.
MAPFRE Hogar, however, grants the insured the right to “freely choose the solicitor who represents him and the lawyer who defends him”. Of course, the insured also has obligations: communicate his decision -the choice of professionals- within fifteen days from the appointment. An exception to take into account, which affects expenses for legal defense, is that, in the event that the sentence is unfavorable to the insured -that payment is imposed on the opposing party, unless the latter is declared insolvent-, MAPFRE will not assumes the payment “of the fees, rights, and supplies of lawyer and solicitor in which the insured could have incurred”.
AXA also allows it, as indicated in its general conditions: “the insured may exercise his right to freely choose the professionals who represent him before the courts, agreeing with them on the circumstances of his professional performance and previously informing the insurance company of all of it”. It also specifies that he will do it up to a cap: the expense limit specified in the particular conditions of the policy for this case.
You can find all kinds of application conditions for this guarantee. That is why it is important to compare all the offers and analyze in detail what they offer you. At Acierto.com we provide you with both.
Another way to have peace of mind in your home: Family Legal Defense Insurance
Another way to feel protected -in terms of legal aspects- is to opt for a specific product that meets all your legal defense needs. There are companies that offer solutions for the whole family, such as Caser with the Family Legal Defense Insurance. This policy is flexible, so you can decide on some guarantees. You should know that it covers up to 3,000 euros per claim, but it does not put limits on you, neither in terms of the number of claims covered per annuity, nor in terms of expert witness expenses, fees, or criminal bail.
Among the basic guarantees of this insurance are criminal defense, consumer defense, the case of administrative infractions, and telephone legal advice. You can add access to labor law and the benefit for separation or divorce, among other optional coverage.
Allianz Assistance has a similar product: it’s Legal Defense Insurance for Families, available in three different types: Iuris Familia 1,500, Iuris Familia 3,000, and Iuris Familia 6,000. They all offer the same guarantees -criminal and labor defense, defense against the Administration, succession procedures, etc.-, but the spending limit varies: 1,500 euros, 3,000 euros, and 6,000 euros respectively.
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