Does your insurance policy have legal services cover?

With the number of insurance claims made annually increasing in the UK, ensuring that policies include legal cover is advisable.

Accidents often happen on the road, in the workplace and even in the home. However, when they occur it is important that parties have legal services cover as part of their insurance in case they are deemed liable.

Noting the rise in claims, Paul Hine, managing director at Hine Chartered Insurance Brokers, stated: "Personal injury claims - and the number of insurance claims generally - is increasing, particularly following motor accidents where there's no risk of damaging a relationship with your employer et cetera."

With many people under financial pressure, facing a claim without insurance is a daunting prospect.

Legal cover is also important when taking a trip if trouble were to occur in a country that does not provide legal aid.

Personal liability insurance is particularly essential if holidaymakers accidently cause injury to another or damage property.

Published by Jessica Shervin