I needed legal insurance add-on C but insurer DAS won’t pay my solicitor’s bill

Back next year, from a dispute which has a roof specialist, I claimed on my small legal expenses cover furnished by DAS together with my Halifax home insurance. I needed paid 50% on the roofer’s bill and said I might funds rest as he had returned to rectify some problems. He didn’t return, and instead issued court proceedings. I’d 2 weeks to answer this is the reason DAS’s slow response I had been obliged to get my solicitor to respond the summons.

I contacted DAS, obtaining the up to 50,000 cover. The policy states i’m eligible for select my personal representative, but subsequently DAS insisted I use an attorney from your preferred list C a bed that would are powered by a no-win no-fee basis.

Because I’d engaged a lawyer I was expecting to swallow the main legal costs. However, DAS insisted my solicitor be employed on its no-win no-fee, basis, which my solicitor refused.

I believe the life insurance policy terms make no mention of points that DAS was planning to impose.

Because the court’s timetables determined the progress, and because DAS procrastinated, I needed to match the whole worth of the court action: 12,268. I won the fact but the roofer’s firm went into liquidation.

I sent my legal bill to DAS but it won’t pay. DAS claims my solicitor refused its conditions C in fact, DAS turned down my solicitor when considerable progress have been made and significant amounts of time had elapsed. Am I around my rights to have DAS to spend this bill? CE, Basingstoke, Hants

Every year many people buying property insurance ponder whether it is worth making payment on the 20 annually approximately it costs so as to add legal expenses cover. It’s obsessed about the idea that it will cover you for events honestly. However, for you personally (and despite you like a Halifax home owners insurance customer for near to 4 decades) the protection refused to spend.

This case has gotten some a long time to unravel. You may have quite reasonably asked that which you have already been spending money on if the insurer will still only pay to pay a situation a solicitor will need on a no-win, no-fee basis C ie one it believes it will win.

DAS says its policies supply a number of solutions just in case its company is linked to a legal dispute C including initial advice C which will come across other expenses just like expert reports.

In this, its view is that you went ahead and used your individual solicitor, even if he previously had said although not agree to DAS’s terms. It says you can have switched to one of their appointed firms, but chose to not. You declare that the delays by DAS meant it was not realistic.

Interestingly, the Financial Ombudsman Service, exactly who you had complained prior to when you contacted us, had present in DAS’s favour, but the truth is say you simply can’t discover why.

Given that you choose to were a long-standing customer, understanding that your solicitor’s charges were quite reasonable, we suggested DAS should take an additional see this case. After reviewing the important points, it’s now decided pay half your bill.

“The pressure of imminent lawsuit, potential misunderstanding in our comparison to its appointment for his selection of solicitor, or any advice he have received from his solicitor regarding his DAS legal expenses insurance coverage, may have experienced a contributory look at his decision-making process. When considering this and also as a gesture of goodwill, we are ready to meet him halfway and create contribution of 6,000 towards his legal bill,” it says.

You will always be very unhappy and so are considering ought to pay a visit to court to retrieve the complete sum.

Has anybody else had experience of claiming for a DAS policy, well? Send us an email please.