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 premium||Claim time limit after accident||Level of cover||Pre-ticked box (LEI selected as default)|
|AXA||£29.99||As soon as possible||£100,000||No|
|Direct Line||£26.50||Reasonable time||£100,000||No|
|John Lewis||£24||180 days||£100,000||No|
|More Than||£27.50||180 days||£100,000||No|
|NFU Mutual||Standarda||180 days||£100,000||n/a|
|Sheila's Wheels||£30||Reasonable time||£100,000||No|
|Swiftcover||£29.99||As soon as possible||£100,000||No|
|Home insurance providers|
|Online premium||Claim time limit after accident||Level of cover||Pre-ticked box (LEI selected as default|
|Aviva||£25||As soon as possible||£100,000||No|
|Direct Line||£25.44||Reasonable time||£100,000||No|
|Hiscox||£23.88||As soon as possible||£100,000||No|
|John Lewis||£16.32||180 days||£100,000||No|
|Legal & General||£22.87||180 days||£50,000||No|
|Lloyds Bank||£20.04||Reasonable time||£50,000||No|
|More Than||£23.99||180 days||£50,000||No|
|NFU Mutual||Standarda||As soon as possible||£50,000||n/a|
- 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.
Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.