legal cover

[jaycee401]

I've also posted this in the Insurance sec as not sure which one) Been involved in a 2yr litigation battle (property dispute with land registry) with an ex which upto now has cost me a fair amount of money and we are now waiting to hear the adjudicators decision. I have just found out - typical- that for the past year I have had legal cover included on my home insurance. Am I too late now to try and claim any money back.
If when we receive the decision, dependant on the outcome, if I wish to appeal could I then sack the solicitors who are acting for me and ask for my insurers to take over - just a thought.

[jedimistress]

Jaycee my heart goes out to you. I was in the same boat. I discovered after the event, that I had legal expenses cover via my house insurance all along. I went through the horror of representing myself in court (and failed miserably) as I could not or was not prepared to pay extortionate solicitor fees. It haunts me every day.

Read your policy booklet. Mine said I had to make a claim within 6 months of the incident. So you may not be entitled to help at this late stage. I highly doubt they will repay your existing costs.

I am also using my legal cover to sue Welsh Water. The procedure was that I contact the insurance legal helpline which goes direct to their appointed solicitors. They review the case, see if it is covered by the policy and they do the required work.

I also read if there was no solicitor in the area you could choose your own. In some cases you would see if you had a case, and pay the solicitor upfront, to be reimbursed by the insurance company if they thought you had a case.

[jedimistress]

Oh I highly doubt that exising cases will be covered. So if you been in battle with Land Registry for 2 years but have only had the insurance for one year, then I suspect the answer would be that you are not entitled to the cover for that case.

[bednobs]

your policy is most unlikely to cover you for anything that had happened before the policy was in place

[jaycee401]

thanks for replies, I thought that may be the case bednobs but I rang them before and they asked me to fax relevant paperwork which i have, so we will wait and see, I wont hold my breath tho.
Jedimistress Im really sorrry you failed, sometimes theres just no justice! I don't know yet whether I have won or not, Im still waiting for the Adjudicators decision, been waiting 5 weeks now everyday I keep thinking I will hear something today, but never do. Good luck with Welsh Water.