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 premiumPre-ticked box (LEI selected as default)Level of cover
AA£25.99No£50,000
Admiraln/a [a]n/a£100,000
Aviva£27.00No£100,000
AXA£29.99No£100,000
Churchill£26.50No£100,000
Direct Line£26.50No£100,000
John Lewis£24.00No£100,000
Lloyds TSB£25.99No£100,000
LV=£24.90No£100,000
Marks & Spencer£24.99No£100,000
More Than£24.99No£100,000
Nationwide BS£24.90No£100,000
RIAS£29.60No£100,000
Saga£27.00No£100,000
Home insurance providers
 Online premiumPre-ticked box (LEI selected as default)Level of cover
AA£25.99No£50,000
Admiral£19.95 [b]n/a£100,000
Aviva£23.00Yes£100,000
AXA£19.99Yes£50,000
Churchill£25.44No£50,000
Direct Line£25.44No£100,000
John Lewisn/a [a]n/a£100,000
Lloyds TSB£20.04No£50,000
LV=£22.90No£50,000
Marks & Spencer£21.50No£50,000
More Than£20.67No£50,000
Nationwide BS£15.90No£50,000
RIAS£27.40No£50,000

Table notes

  1. LEI included as standard
  2. Home insurance quotations only available by telephone

 

Each policy will cover specific claims to different degrees. Restrictions may apply. Correct at: September 2013. Based on a Ford Focus Zetec owner and a one-bed flat in south London.

 

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