What is Legal Expenses Insurance?

This might seem like a very simple question.

Too simple, even.

But insurance is often confusing. We find that people don’t always readily understand what different types of insurance are intended to do.

Apart from that, many people have Legal Expenses Insurance (LEI) and don’t know it.

And, apart from that, we’re not always very good at explaining it.

In this article, though, we’re going to try and explain some aspects of LEI relative to personal injury claims.

We’ll cover what it is and what it is not. We will look at the different types of LEI which exist. Relative cost of insurance types will figure in our overview and we’ll also consider the timing of taking out the insurance. Finally, we will touch on the question of how easy it is to enforce your own choice of legal adviser under a LEI policy (rather than the LEI insurer’s choice). [Read more…]

Claims For Damage Caused By Falling Slates

From autumn 2015, the UK Met office and Irish Met office have been running a pilot project to name wind storms.

Between November 2015 and March 2016, the British Isles have been blasted by Abigail, Barney, Clodagh, Desmond, Eva, Frank, Gertrude, Henry, Imogen, Jake and Katie.

By using a single authoritative system for the naming of storms, the hope is that we will all be able to communicate more clearly about the approach of severe weather.

This will, in turn, put us in a better position to protect ourselves, our property and our businesses.

Stormy weather increases the risks to people and property

Chimney pots and slates get loosened and blown down.

Many houses in Moray have no front garden and anything falling off a roof will land either on the pavement or in the roadway.

What if something falls off a neighbour’s house and damages you or your property? Can you make a claim against your neighbour? [Read more…]