Home insurance Legal Cover
What is Home Legal Protection Cover?
Home Legal Protection Cover is an optional extra for your 1st Central Home Insurance designed to help with legal claims and disputes.
What is Home Legal Protection Cover?
Legal costs can add up. Our Home Legal Protection Cover gives you extra peace of mind through challenging and stressful legal situations. You’ll get up to £100,000 in legal cost coverage, 24/7 advice and support, and zero excess. It means you won't have to cover the costs yourself.
Contract issues and neighbour disputes
Covers legal costs for claims related to contracts involving the sale, purchase, or services for personal goods, as well as property damage at your home.
Personal injury
If you suffer injury, illness or death due to an accident or as a result of improper treatment – also known as clinical negligence – we’ll cover the legal costs for the claim.
Employment disputes and employee defence
If you ever find yourself in the unfortunate position of facing unfair dismissal, workplace discrimination, or other mistreatment that forces you to leave your job, Home Legal Protection is here to support you. This cover enables you to pursue legal action against your employer or ex-employer, including taking your case to an employment tribunal if necessary.
Property issues
If you suffer nuisance, trespass or damage to your home, we’ll be able to help with the repair costs.
Tax disputes
If HMRC investigates your personal self-assessment tax return, Home Legal Protection can help with formal or full enquiries. However, this cover doesn't apply to enquiries related to your business, trade, or profession.
24/7 legal helpline
Need help with legal matters? Get around-the-clock legal advice and guidance, whenever you want.
How to make a Home Legal Protection claim
Report your legal issue
Don’t worry, accidents happen. Call our 24/7 helpline to make a claim.
Provide your details
Sharing the relevant information will help us serve you quicker.
Get legal advice
Our dedicated Claims team will handle your claim as soon as possible.
Speak to our Claims team 24/7 on 0333 043 2076
Answers to important questions
What is Home Legal Protection?
Our Home Legal Protection means you’ll be covered for up to £100,000 in legal costs if you’re involved in a legal matter, such as employment disputes, personal injury claims, property disputes and clinical negligence.
You’ll also have access to a 24/7 helpline so you can get advice and guidance from a legal expert on a variety of areas. And there’s no excess to pay on this cover.
I'd like to add Home Legal Protection Cover to my policy
If you have an existing home insurance policy with 1st Central and would like to add Home Legal Protection Cover, don’t worry, you can take out this cover at any time during the year, simply give us a call on 0333 043 2001 and we'll get it added to your policy.
I'd like to discuss an existing home claim
If you have a question about an existing home insurance claim, we're here to help Monday to Friday, 8am - 5.30pm. Just give our friendly team a call on 0333 043 2034.
How do I make changes to my home insurance policy?
If you’d like to make a change to your home insurance policy – like update your personal details, add or remove a joint policyholder or add extra items to your cover – just give our friendly Customer Service team a call on 0333 043 2001 and they’ll take care of this for you.
Thinking about Home Legal Protection Cover?
Existing customer? To add this cover please give us a call on 0333 043 2001