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)
Aviva£27.84180 days£100,000No
AXA£29.99As soon as possible£100,000No
Churchill£27.38Reasonable time£100,000No
Co-operative£25180 days£100,000No
Direct Line£27.38Reasonable time£100,000No
Esure£30.96Reasonable time£100,000No
John Lewis£24.79180 days£100,000No
LV£24.90180 days£100,000No
More Than£28.37180 days£100,000No
NFU MutualStandarda180 days£100,000n/a
RIAS£29.60180 days£100,000No
Saga£28.50180 days£100,000No
Sheila's Wheels£30.96Reasonable 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£26.27As soon as possible£100,000No
AXA£22.50180 days£50,000No
Churchill£25.19Reasonable time£100,000No
Direct Line£25.19Reasonable time£100,000No
Hiscox£36As soon as possible£100,000No
Insure4Retirement£23180 days£50,000No
John Lewis£15.49180 days£100,000No
Legal & General£23.15180 days£50,000No
Lloyds Bank£20.65Reasonable 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£22.50180 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 2016. Based on a Ford Focus Zetec owner and a one-bed flat in south London.


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