Legal Expenses Policy

Features and Benefits

This screen contains a summary of the features and benefits of your Legal Expenses Policy. This summary does not contain the full terms and conditions, which can be found in the Policy Wording available on-line throughout the quotation process.

Features and Benefits	Significant Exclusions or Limitations	Policy Section
Employment Disputes We will pursue a claim through an employment tribunal or the ACAS Arbitration Scheme following a dispute arising from a contract of employment.		INSURED INCIDENT 1
Tax Protection Representing your rights throughout an investigation by the Inland Revenue into your self assessment tax return.	Investigations where the insured person is self employed, a sole trader or in business partnership.	INSURED INCIDENT 5, What is not covered 1.
Bodily Injury We will pursue claims for accidental death or physical injury.	We will not cover any illness or bodily injury which happens gradually or is not caused by a specific or sudden event.	INSURED INCIDENT 3 What is not covered 1.
Legal Defence Defence of criminal prosecutions and actions for unlawful discrimination or breaches of the Data Protection Act arising from an insured person's work as an employee.	Offences arising from owning, driving or using a vehicle. Payment of court orders.	INSURED INCIDENT 7, What is not covered 4.

How To Make A Claim.

If you wish to report a claim please ring 0117 927 1817 within 6 months of your accident.

How To Complain.

Making a claim You must give DAS details of any claim as soon as possible and within six months of the insured incident happening. You can write to:

Personal & Commercial Claims Department,
DAS Legal Expenses Insurance Company Limited,
DAS House,
Quay Side,
Temple Back,
Bristol
BS1 6NH

Alternatively you can e-mail: newclaims@das.co.uk.

How to make a complaint

If you have a complaint about our service or about a claim, please write to our Managing Director at our head office address shown above. He will direct the complaint to the head of the relevant department(s). A copy of our internal complaint handling procedure is available on request. If you are still not happy with the response you receive, you have the right to ask the Financial Ombudsman Service to review your case.

DAS is covered by the Financial Service Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 100% of the first £2,000 and 90% of the remainder of the claims costs. You can get more information about the compensation scheme arrangements from the FSCS.

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