Group and Affinity Legal Protection Product Brochure and Key Facts Summary

LEGAL PROTECTION GROUP LIMITED GROUP AND AFFINITY LEGAL PROTECTION

What do we cover? If your group members have the The following lists examples of the types of cover misfortune of being involved in a we can provide. Cover can also be tailored to the legal dispute, they may not have the specific needs of your group. financial means to pay the costs of a • Disputes with a member’s employer solicitor to help pursue or defend their • Disputes over the sale of goods or the purchase legal rights. of goods or services • Disputes with a member’s landlord • Disputes over the purchase or sale of a member’s Why do your group members need home Group and Affinity Legal Protection? • Nuisance or trespass Legal disputes can be costly and difficult to • Damage caused to a member’s home and understand and many people are put off from personal property protecting their legal rights due to the significant financial risk and uncertainty of the outcome. If you • HMRC enquiries into personal tax affairs lose a legal case then you may have to pay the other • Pursuit of claims following death or personal injury side’s costs as well as your own solicitor’s fees which • Pursuit of claims following clinical negligence could run into thousands of pounds. • Defence of work-related prosecutions The solution is Group and Affinity Legal Protection which can provide essential protection to members of • Disciplinary hearings conducted by a regulatory your group, organisation or association and cover the or professional body legal costs involved in pursuing or defending claims • Attending jury service or as a witness in court which can occur in the workplace or outside of work. • Assistance following a member’s identity theft Group and Affinity Legal Protection covers up to £50,000 or £100,000 (depending on which level • Access to 24-hour telephone helpline services of cover is selected) in legal costs and includes the appointment of a solicitor, barrister or accountant, costs of expert witnesses and court fees. The other side’s costs are also covered if your group member is ordered to pay them by a civil court.

2 LEGAL PROTECTION GROUP

We are a specialist provider of legal expenses , legal services and emergency assistance products.

Legal Protection Group Limited was formed by a team of well-known legal protection insurance professionals with a wealth of knowledge and experience within the industry. Our largest shareholder is Eldon Insurance Services Limited. Eldon has grown into a market- leading claims operation with diverse teams of dedicated insurance professionals leading the way in claims excellence and cutting edge technology. Legal Protection Group Limited provides a wide range of products, with innovative features which are specifically designed to avoid some of the common challenges associated with legal protection insurance. We are absolutely focused upon providing a first class product and claims service. Our management structure means that our clients will always be able to talk to a decision maker and as we are responsible for designing, pricing and servicing our insurance products, we can provide quick and effective decisions on all types of enquiry. Our products are underwritten by International Insurance Company of Hannover SE (Inter Hannover), rated “AA-” (very strong) by Standard and Poor’s and “A+” (superior) by A. M. Best.

3 THE COVER

Employment Protection Losing your job or being unfairly treated by your Typical disputes we can help with include: employer is a very stressful situation and taking your • Unfair dismissal or unfair selection for redundancy employer to court can be daunting and costly. Even if you win your claim, you will usually have to pay • Disputes over maternity or paternity leave or pay your own costs, including the Employment Tribunal • A group member’s employer has discriminated against application fee. them due to their age, race, gender or disability • A group member’s employer has tried to change the terms of their contract making it impossible for them to continue in the same role

Consumer Contract Disputes People enter into agreements to buy goods or Typical disputes we can help with include: services every day and there is always the risk of • A tradesperson is hired to decorate a group something going wrong with you being left with member’s house and they have not completed defective goods or sub-standard work and a large the work to the agreed standard legal bill to put things right. • A group member buys a defective washing machine You may also have a disagreement with your and the supplier is refusing to repair or replace it landlord over the terms of your tenancy agreement or become involved in a dispute over the buying or • A hotel booked through a travel agent was not as selling of your main home. they had advertised it • The landlord is refusing to carry out essential maintenance to a property rented by a group member

Property Protection Property law can be very complex, disputes can Typical claims we can help with include: take a long time to settle and ruin your enjoyment • A neighbour has started to build a conservatory of your home. Disputes with neighbours can be which encroaches over the existing boundary line particularly distressing and damage previously good relationships to such an extent that you may need to • A group member’s neighbour is refusing to allow move house. use of a right of way which prevents access to the home • Contractors working on a neighbouring building have caused damage to a group member’s roof • A neighbour’s guttering is leaking and this has caused rising damp inside a group member’s property

4 THE COVER

Tax Enquiries Paying the right amount of tax is a necessity but Typical issues we can help with include: sometimes HMRC may take a closer look at your • A group member inherits a property which is let tax returns and claim that you owe more tax than to tenants and the income from this activity was you think is due. If HMRC carry out an investigation declared on the last self-assessment tax return. into a group member’s tax affairs, we will appoint HMRC are querying the amount declared an accountant to negotiate and represent them in dealings with HMRC. • HMRC spot an error in the amount of additional income declared from investments held

Personal Injury Whilst people have a duty of care to not do anything Typical claims we can help with include: that could result in harm to others, accidents do • A slip in a wet toilet cubicle leads to a broken arm happen and if it is a result of someone else’s negligence, you have the right to bring a claim • A trip on a defective paving stone results in a against the person or organisation responsible. fractured ankle If a group member suffers death or bodily injury as a • A hand injury sustained following contact made result of another person’s negligence, we will pursue with faulty machinery at work a claim against that person to obtain compensation. • A faulty dining chair collapses in a restaurant resulting in a back injury

Clinical and Medical Negligence

If you have elective surgery or surgery to correct Typical claims we can help with include: a medical condition, you expect practitioners to be • Incorrect medication prescribed which leads to a fully trained to give you the best possible care and severe allergic reaction attention. Human error, especially in a pressurised environment, can happen and if the standards you • A dentist incorrectly removes a tooth and causes take for granted fall below those expected, it could nerve damage resulting in an abscess have catastrophic consequences. • Negligence by a practitioner during a routine If a group member suffers death or bodily injury operation from an act of clinical or medical negligence, we will • A mistake during laser eye surgery has caused pursue a claim against the negligent party to obtain blindness compensation.

5 THE COVER

Defence of Legal Rights The vast majority of the public will abide by the laws • An accusation of discrimination has been made of the land but there are occasions where something by a resident of the care home where a group may go wrong in the workplace and you are accused member works of breaking the law or committing a civil wrong. • A group member is alleged to have breached their Typical claims we can help with include: profession’s code of conduct and principles and are asked by the professional body to attend a • A group member is accused of selling alcohol to a disciplinary hearing minor in the pub they work in

Jury Service and Witness Expenses More than 400,000 people are selected for jury Where a group member is not able to claim their lost service each year and in performing this civic duty, salary or wage from a court, tribunal or other party, you could face the prospect of being off work for up including their employer, we will pay these sums. to two weeks, sometimes longer. A group member may also have to give evidence in a court or tribunal as a witness for a claim which we are covering under this insurance.

Identity Theft Assistance In 2015 there were more than 148,000 recorded We will also: cases of identity theft in the UK. Identity theft occurs • Pay costs incurred in correspondence with the when fraudsters seize their victims’ personal details Police and other agencies to restore identity and such as date of birth and bank details in order to credit rating acquire goods and services in their victim’s name. Not only is there the inconvenience of having to • Pay costs incurred in having to re-apply for a loan restore your identity if it has been stolen, you may which was previously rejected due to ID theft also face difficulty in applying for credit. • Defend legal rights if organisations take action If a group member becomes a victim of ID theft, against a group member for recovery of money we will provide access to an adviser who will help if goods or services have been acquired by a restore their identity. fraudster in their name

6 HELPLINE SERVICES

Group and Affinity Legal Protection not only telephone helpline services which provide advice provides your group members with assistance if and guidance on a wide range of issues. they have a claim, it also gives members access to

Personal Legal and Tax Advice Helpline This service provides group members with 24-hour • Problems with neighbours access to qualified advisers who can provide them • What to do if there is an accident with advice on issues under UK, and Channel Islands law including: • Landlord and tenant disputes • Employment rights or problems at work • Enquiries on self-assessment tax returns • Advice on consumer rights

Identity Theft Helpline This service provides group members with advice and secure and tips on how to avoid becoming the and guidance on keeping their identification safe victim of identity theft.

Counselling Helpline This service provides group members with 24- anxiety such as financial problems, family issues or hour access to qualified counsellors who can give bereavement. confidential guidance on matters causing stress and

7 POLICY SUMMARY AND OTHER IMPORTANT INFORMATION

This is a summary of the cover provided under Group Please note: the information which follows is a and Affinity Legal Protection. It does not contain full description of the standard covers provided by this details of policy terms, exclusions and conditions. For insurance which can change due to selection of full details of this insurance please refer to the policy covers and any endorsements which may be applied. wording, a copy of which is available on request.

Group and Affinity Legal Protection is a legal expenses insurance contract designed to provide advice Type of and representation for your group members and, for certain insured incidents, members of their family insurance who permanently live with them in legal disputes involving work as an employee, their home, consumer contract disputes, personal injury and tax investigations.

Who provides Legal Protection Group Limited, authorised under a binding authority agreement to administer this this insurance insurance on behalf of the insurer, International Insurance Company of Hannover SE.

How long does Unless otherwise agreed, this insurance will remain in force for 12 months from the date of the cover last commencement and for any period for which you renew this insurance (as long as the premium is paid).

a) For insured incidents 2 Consumer Contract Disputes and 5 Personal Injury – the European Union, the Isle of Man, the Channel Islands, Norway and Switzerland. Territorial limit b) For all other insured incidents – the of Great Britain and Northern Ireland, the Isle of Man and the Channel Islands.

This insurance is governed by the laws applying to the part of the United Kingdom of Great Britain and Choice of law Northern Ireland, the Isle of Man or the Channel Islands where your home is located.

Significant exclusions or Where to look in the policy Features and benefits limitations wording

The insurer will pay legal costs and The most the insurer will pay for any Meaning of words and terms – limit expenses, up to the limit of indemnity, for one insured incident arising at the same of indemnity the insured incidents listed below. time or from the same originating cause is £50,000 or £100,000 (depending on which limit has been selected). The same limit of indemnity will apply for all group members.

We will not cover any event or dispute General exclusions applying to the an insured person was aware of before whole policy 1) this insurance started.

The insurer will not pay any costs General exclusions applying to the incurred before we have accepted whole policy 2 a) a claim or costs which we have not authorised in advance.

There must always be more than a Meaning of words and terms – 50% chance that a claim will have a reasonable prospects of success successful outcome.

We will select an appointed adviser The insured person’s chosen General conditions applying to the of our choice to deal with an insured legal representative must agree whole policy 2 c) person’s claim. to our standard adviser’s terms of Where it is necessary to issue legal appointment and the most the insurer proceedings or if a conflict of interest will pay is no more than the amount arises, the insured person is free to that would have been paid to our own nominate a legal representative of choice of appointed adviser. their choice.

8 POLICY SUMMARY AND OTHER IMPORTANT INFORMATION

Features and benefits Significant exclusions or Where to look in the limitations policy wording Insured incident 1 – Employment Protection

Pursuing or defending disputes with a current, We do not provide representation What you are covered for former or prospective employer regarding throughout internal disciplinary or Please note that a contract of employment or breach of grievance procedures between an employment rights. insured person and their employer.

Insured incident 2 – Consumer Contract Disputes

Pursuing or defending disputes arising from a The amount in dispute must be more What you are covered for breach or alleged breach of a contract entered than £100 (including VAT). Please note that (ii) into in a personal capacity for: a) buying, selling or hiring in goods; Construction work on land or design, What you are not covered for b) buying or hiring in services; conversion or extensions to buildings (i) c) renting an insured person’s home or where the value of the contract is more occupying an insured person’s home under than £7,500 (including VAT). a lease where they are the tenant; Pensions, savings, investments, loans, What you are not covered for d) buying or selling an insured person’s home. mortgages, borrowing or any other (ii) arrangements with banks, building societies or suppliers of credit.

Contracts involving motor vehicles. What you are not covered for (iv) Insured incident 3 – Property Protection

a) Pursuing or defending legal rights in disputes Land or buildings other than an insured What you are not covered for relating to a legal nuisance or trespass which person’s home. (i) interferes with the use, enjoyment or right over an insured person’s home. Any contract entered into, including What you are not covered for tenancy agreements or leases or (ii) Pursuing legal rights following an event b) licences to occupy property. which causes damage to an insured person’s home or to their personal belongings. For property damage claims, the amount What you are covered for b) in dispute must be more than £100. Please note that Insured incident 4 – Tax Enquiries

Representing an insured person in an HMRC Returns must be complete and What you are covered for investigation into the whole or particular correct and submitted within specified Please note that features of their personal tax affairs. deadlines.

Business tax affairs or where an insured What you are not covered for person is self-employed, a sole-trader (i) or in a business partnership.

Insured incident 5 – Personal Injury

Pursuing claims following a sudden and specific Illness or injury which develops What you are not covered for event causing death or bodily injury to an gradually over a period of time or is not (i) insured person. caused by a sudden and specific event.

Insured incident 6 – Clinical and Medical Negligence

Pursuing claims following an identified act of Illness or injury which develops What you are not covered for negligent surgery, clinical, medical or dental gradually over a period of time or is procedure or treatment which causes death or not caused by a sudden and specific bodily injury to an insured person. negligent act.

9 POLICY SUMMARY AND OTHER IMPORTANT INFORMATION

Features and benefits Significant exclusions or Where to look in the limitations policy wording Insured incident 7 – Defence of Legal Rights

Defending an insured person following a work- Fines, compensation, damages or General exclusions applying related event which leads to: penalties awarded against an insured to the whole policy 3) person including any costs the insured a) interview by the Police or other prosecuting authorities where suspected of committing a person is ordered to pay by a criminal criminal offence; court. b) prosecution in a criminal court; A claim relating to an insured person What you are not covered for c) civil action for unlawful discrimination or driving a motor vehicle. (i) breaches of Section 13 of the Data Protection Act; Allegations of a sexual nature. What you are not covered for d) a formal investigation or disciplinary hearing (ii) brought by a regulatory or professional body.

Insured incident 8 – Jury Service and Witness Expenses

Payment of an insured person’s lost salary or Any claim where an insured person What you are not covered for wages for the time taken off work to perform cannot provide evidence of the extent jury service or to attend a court or tribunal as a of their lost salary or wages. witness for a claim covered by this insurance.

Insured incident 9 – Identity Theft Assistance

a) Access to an adviser who will provide The insured person must have sought What you are covered for assistance to help restore an insured and followed advice from our ID theft Please note that (i) person’s identity. helpline as soon as they suspect they have become a victim of ID theft. b) Costs incurred in correspondence to restore identity and credit rating. The insured person must notify their What you are covered for c) Costs incurred in re-applying for a loan which bank, lender or supplier of credit within Please note that (ii) was previously rejected due to identity theft. 24 hours of discovering ID theft or d) Defending an insured person’s legal rights if attempted ID theft. other parties take legal action against them Any ID theft committed by a person What you are not covered for arising from the insured person’s ID theft. insured under this policy.

Helpline Services

Personal Legal and Tax Advice Helplines are available 24-hours a day Helpline Services Provides confidential telephone legal advice on but in some cases we may need to call personal legal or tax matters under UK, Isle of the insured person back. Man or Channel Islands law.

Identity Theft Advice Provides telephone advice and guidance on keeping identification safe and secure and tips on how to avoid becoming a victim of ID theft.

Counselling Any costs incurred in using onward Helpline Services – Provides confidential telephone counselling on referral services are not covered. Counselling Helpline matters causing distress.

Important note: This policy excludes certain situations and circumstances and it is important that you read the policy wording to ensure you are familiar with its terms and conditions and that it meets your demands and needs. If you have any queries over the suitability of this cover and its terms and conditions, then please contact your insurance adviser.

10 POLICY SUMMARY AND OTHER IMPORTANT INFORMATION

Cancellation rights You can cancel this insurance within 14 days of taking it out, or If there is evidence of a fraudulent or exaggerated claim, we within 14 days of receiving your policy documents, whichever can cancel this insurance from the date of the alleged claim is later. You will be entitled to a full refund of premium paid and can recover any sums paid in respect of that fraudulent as long as no claims have been made by any insured person. or exaggerated claim. No refund of premium will be payable. At all other times you or we can cancel this insurance subject Full details of cancellation rights can be found in the to 7 days’ notice. You will be entitled to a pro-rata refund as policy wording. long as no claims have been made by any insured person in the current period of insurance.

What to do if you need to make a claim If an insured person is aware of any circumstances Under no circumstances should you or any insured person which could give rise to a claim under this insurance, instruct their own lawyer or legal representative or incur any they must contact our claims reporting line shown in costs before we have accepted a claim as the insurer will not the policy wording as soon as possible. The insured pay any costs incurred without our agreement. person may need to complete a claim form and provide Full details of the claims procedure can be found in the policy additional information in support of their claim. wording. This is a claims made insurance which means that claims must be notified to us during the period of insurance or within 14 days after the expiry date if this insurance is not renewed.

The insurer This insurance is underwritten by International Insurance Authorised by the Bundesanstalt für Finanzdienstleistung- Company of Hannover SE who are registered in Germany, aufsicht and authorised and subject to limited regulation by registration number HRB 211924. the Financial Conduct Authority (FCA No. 659331). Registered Office: Roderbruchstraße 26, 30655 Hannover, Germany, acting through its UK branch whose office is located at: 10 Fenchurch Street, London EC3M 3BE, United Kingdom.

Financial Services Compensation Scheme The insurer is covered by the Financial Services Compensation Further information about the compensation scheme Scheme (FSCS) and you may be entitled to compensation arrangements can be found on the FSCS website at from the scheme if they cannot meet their obligations. This www.fscs.org.uk will depend on the circumstances of the claim.

What to do if you have a complaint

We will at all times endeavour to provide you and your group Email: [email protected] members with a high level of service. However, if things go Phone: 0800 023 4567 (free from a landline) or wrong and you or your group members are not happy with 0300 123 9123 (free from some mobile phones) our standard of service, please let us know: Post: Financial Ombudsman Service, Email: [email protected] Exchange Tower, London E14 9SR Phone: 0333 700 1040 You can also visit their website Post: Customer Service Department, www.financial-ombudsman.org.uk Legal Protection Group Limited, and follow the guidelines on how to complain. Lysander House, Catbrain Lane, Cribbs Causeway, Bristol BS10 7TQ Using the Financial Ombudsman Service does not affect your or your group members’ legal rights. If we are not able to resolve the complaint satisfactorily, then you or your group member can contact the Financial Full details of the complaints process can be found in the Ombudsman Service, subject to their eligibility criteria: policy wording.

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(firm reference number 477112). Eldon Insurance Services Limited is authorised and regulated by the Financial Conduct Authority. Authority. by the Financial Conduct (firm reference number 477112). Eldon Insurance Services Limited is authorised and regulated Legal Protection Group Limited (firm reference number 749446) is an appointed representative of Eldon Insurance Services Limited Protection Group Limited (firm reference number 749446) is an appointed representative of Legal www.legalprotectiongroup.co.uk www.legalprotectiongroup.co.uk @LegalProGroup Twitter: LEGAL PROTECTION GROUP LIMITED PROTECTION LEGAL Office: Head and Registered Bristol BS10 7TQ Cribbs Causeway, Catbrain Lane, House, Lysander number 10096688 company and Wales, in Registered

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