Legal expenses insurance
A lawyer on your side in everyday disputes.
- Legal helpline
- Unlimited
- Your own lawyer
- Free choice
- Scope
- Everyday
Claiming against an electricity company, a dispute with a neighbour, challenging a disproportionate fine: situations where being right is not enough, because the lawyer costs more than the problem. This policy covers those fees and respects your right to choose your own lawyer; what varies from one policy to another is the fee limit.
What it is really used for.
Facts
The electricity company bills you for energy you have not used.
Action
An out-of-court claim and, if necessary, legal action, with fees covered.
Facts
A neighbour's building works are causing damp in your home and they will not respond.
Action
Advice and a claim for damages against the neighbour or their insurer.
Facts
You buy a faulty appliance and the shop refuses to replace it.
Action
A claim against the seller under consumer protection law.
Ley 50/1980 de Contrato de Seguro (Insurance Contract Act), article 76 d)
You have the right to choose your lawyer.
The law grants the insured the right to freely choose the lawyer and court representative (procurador) to act for them in any proceedings.
In practice, policies set fee limits when you choose a professional outside the insurer's panel. That is why we compare those limits.
- Free choice of lawyer and court representative
- Fee limit if the lawyer is external
- Arbitration to resolve disagreements with the insurer, under art. 76 e)
Areas it can cover.
- Claims for damage suffered
- Disputes with utilities and service providers
- Defence in housing and residents' association matters
- Employment matters as an employee
- Free choice of lawyer, subject to a fee limit
- Unlimited legal helpline
How to use the policy.
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Step 1
Call the legal helpline
A lawyer advises you on your case by phone, with no limit on consultations.
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Step 2
Assessment of the dispute
The viability of the claim and the available documentation are assessed.
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Step 3
Out-of-court claim
The other party is served formal notice in writing before going to court.
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Step 4
Legal action
If no agreement is reached, the policy pays fees and legal costs up to the agreed limit.
Frequently asked questions.
Can I choose my own lawyer?
Yes, the law grants you that right, although policies set a fee limit if the lawyer is external. We will check it for you beforehand, because that limit varies between insurers.
Does it cover pre-existing disputes?
No. Disputes that arose before the policy started are excluded, as with almost all insurance.
Can I use it to claim against my own insurer?
Some policies exclude claims against the insurer itself. It is one of the points we check when comparing.
Being right is easier with a lawyer behind you.