Legal expenses insurance Legal expenses policies compared

How much does legal expenses insurance cost? 

The table below shows the costs and levels of cover for legal expenses insurance (LEI) purchased as an add-on or standalone to home and car insurance policies. It also shows whether the insurer pre-ticks the opt-in box when you take out an insurance policy.

Home LEI typically covers contract, employment, personal injury and property claims. Car LEI typically covers personal injury and damage/loss to the insured’s vehicle and its contents, although terms of cover may differ. 

Legal expenses insurance – cost and cover levels
Car insurance providers
 Online premiumClaim time limit after accidentLevel of coverPre-ticked box (LEI selected as default)
AllianzStandarda180 days£100,000n/a
Aviva£27180 days£100,000No
AXA£29.99As soon as possible£100,000No
Churchill£26.50Reasonable time£100,000No
Co-operative£24180 days£100,000No
Direct Line£26.50Reasonable time£100,000No
Esure£30Reasonable time£100,000No
John Lewis£24180 days£100,000No
LV£24.90180 days£100,000No
More Than£27.50180 days£100,000No
NFU MutualStandarda180 days£100,000n/a
RIAS£29.60180 days£100,000No
Saga£30Reasonable time£100,000No
Sheila's Wheels£30Reasonable time£100,000No
Swiftcover£29.99As soon as possible£100,000No
Home insurance providers
 Online premiumClaim time limit after accidentLevel of coverPre-ticked box (LEI selected as default
Aviva£25As soon as possible£100,000No
AXA£20.20180 days£50,000No
Churchill£25.44Reasonable time£100,000No
Direct Line£25.44Reasonable time£100,000No
Hiscox£23.88As soon as possible£100,000No
Insure4Retirement£19.99180 days£50,000No
John Lewis£16.32180 days£100,000No
Legal & General£22.87180 days£50,000No
Lloyds Bank£20.04Reasonable time£50,000No
More Than£23.99180 days£50,000No
NFU MutualStandardaAs soon as possible£50,000n/a
RIAS£27.40180 days£50,000No
Swiftcover£24.96180 days£50,000No

Table notes

  1. LEI included as standard

Each policy will cover specific claims to different degrees. Restrictions may apply. Correct at: August 2015 - next update February 2016. Based on a Ford Focus Zetec owner and a one-bed flat in south London.


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