SFS Group University Cover
Personal Accident Cover
What is covered?
- Legal costs of up to £10,000 per claim
- Legal advice service available 24/7
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Legal costs to pursue:
- Contract claims against a person/organisation providing defective goods or services
- Personal injury claims against the responsible person/organisation
- actions for nuisance or trespass relating to the home.
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Legal costs to defend:
- Criminal prosecutions arising from road traffic offences unless otherwise insured.
- Contract claims brought by a person to whom private goods have been sold.
What is not covered?
This insurance covers the legal costs incurred by Irwin Mitchell Solicitors. The Assured is not covered for any other legal representatives' costs unless court proceedings are started.
It is a key condition of this insurance that there must be reasonable prospects of success in taking legal action before a claim for legal costs will be accepted.
For full details of policy exclusions please refer to the policy wording.
In addition to other exclusions detailed in the policy wording there is no cover for:
- Claims which arise, or where proceedings are brought, outside of the United Kingdom;
- Costs incurred without our prior consent;
- Claims arising from a dispute between persons insured under this policy;
- Costs covered by another insurance policy;
- Fines or penalties.
At least £125 plus VAT must be in dispute.
There is no cover for claims arising from medical negligence.
There is no cover for claims arising from divorce or matrimonial matters.
The nuisance or trespass must have occurred at least 180 days after legal costs cover started.
There is no cover for prosecutions alleging dishonesty or intentional violence or if the Assured has already been disqualified from driving.
There is no cover for claims arising from offences involving drink or drugs or from parking offences.