Crankarm
Guru
- Location
- Nr Cambridge
Hi All,
Haven't been on here for ages, so hi again. Unfortunately I now have a pressing employment matter for which legal advice is going to be most desirable. The solicitor I have been using has suggested I check my house insurance to see if I have legal expenses to cover their costs. I have found that I actually do (M&S home insurance) so could claim the solicitors costs on this.
However my question to the forum is that if I were to try to claim for the employment solicitors costs on this legal expenses policy attached to my home insurance would they cover it as it is an employment matter and not home related, and secondly if they did agree to cover my solicitors costs would my renewal premium for my home insurance next year rise substantially as they would view me availing myself of this legal expenses cover as a claim and penalise me accordingly. Also would it reduce my no claims entitlement as I have years and years and years of no claims.
Anyone who has any experience or advice of such legal expenses policies bolted onto their house insurance or who has indeed used the legal expense cover attached to their M&S home policy and claimed on them for such a matter would go along way to easing my anxiety and much appreciated. Debating whether to claim on such a policy or fund solicitors costs out of my own pocket seems bizarre given the legal expenses cover will at present be costing me money.
Any advice or peoples' own experiences of a similar situation would be much appreciated.
Many thanks in advance.
Haven't been on here for ages, so hi again. Unfortunately I now have a pressing employment matter for which legal advice is going to be most desirable. The solicitor I have been using has suggested I check my house insurance to see if I have legal expenses to cover their costs. I have found that I actually do (M&S home insurance) so could claim the solicitors costs on this.
However my question to the forum is that if I were to try to claim for the employment solicitors costs on this legal expenses policy attached to my home insurance would they cover it as it is an employment matter and not home related, and secondly if they did agree to cover my solicitors costs would my renewal premium for my home insurance next year rise substantially as they would view me availing myself of this legal expenses cover as a claim and penalise me accordingly. Also would it reduce my no claims entitlement as I have years and years and years of no claims.
Anyone who has any experience or advice of such legal expenses policies bolted onto their house insurance or who has indeed used the legal expense cover attached to their M&S home policy and claimed on them for such a matter would go along way to easing my anxiety and much appreciated. Debating whether to claim on such a policy or fund solicitors costs out of my own pocket seems bizarre given the legal expenses cover will at present be costing me money.
Any advice or peoples' own experiences of a similar situation would be much appreciated.
Many thanks in advance.