News Feed
FirstAssist Insurance Services Limited
Marshall’s Court, Marshall’s Road,
Sutton, Surrey, SM1 4DU
1. What is this document?
This is a summary of the policy cover contained within Safeguard Legal Expenses Insurance. It does not include the full terms and conditions of the contract which can be found in the policy document, a copy of which is available on request.
2. Who is providing this insurance policy?
This insurance policy is administered by FirstAssist Insurance Services Limited and is underwritten by Great Lakes Reinsurance (UK) PLC. FirstAssist Legal Protection is a trading style of FirstAssist Insurance Services Limited.
3. What type of insurance policy is this?
This is a legal expenses policy that, subject to the terms, conditions and exclusions contained in the Policy Document, will meet your legal costs in pursuing or defending a legal action.
4. What are the significant features and benefits of this policy?
Under Safeguard Legal Expenses Insurance we will indemnify the policyholder in respect of legal expenses that they incur, subject to the terms, conditions and exclusions of the policy, under the following sections of cover.
| Section of Cover | Features |
| Employment | The cost of defending disputes with staff over contracts of employment or alleged breaches of employment legislation, at a tribunal or court (including any compensatory awards made against the policyholder). Cover is also provided for actions to recover property occupied by an employee or ex-employee. |
| Prosecution | The cost of defending criminal actions including matters arising from the Health & Safety at Work etc Act 1974, the policyholder’s prosecution in a court of criminal jurisdiction and defending a civil action taken against the policyholder for wrongful arrest in respect of an accusation of theft. |
For each of the sections of cover there is a limit of indemnity of £100,000 for any one claim with an aggregate limit of £500,000 for all claims in one year.
Safeguard Legal Expenses Insurance will provide you with a panel of solicitors and legal specialists who will represent you in any insured incident. They include experts in the fields of employment and health & safety who will ensure that you receive the best representation in any insured dispute which you may encounter.
For any hearings that are brought or would be brought before an Employment Tribunal, and any preparatory work relating to them, you must use our approved consultant as the person who will represent you at the Tribunal.
For any other hearings or proceedings you may choose your own representative only where there is a conflict of interest or where you have already received court papers. In all other circumstances we will choose a suitably qualified person to act on your behalf.
The territorial limits that apply to the insurance cover are the United Kingdom of Great Britain and Northern Ireland, the Isle of Man and the Channel Islands.
We also provide telephone advice from a team of legal and employment professionals.
5. What are the significant and unusual exclusions and limitations?
All insurance policies contain exclusions and limitations. Exclusions are the events that we do not intend to cover under the policy. A limitation is usually a financial limit to an event that we are happy to cover but only to a certain pre-defined limit. For all of the exclusions you will need to refer to the General Exclusions section in the policy document as well as the specific cover exclusions under each of the individual sections.
Summary of Policy Exclusions
We will not pay for:
- Cases without reasonable prospect of success.
- Legal expenses arising from the policyholder’s intentional wrongdoing.
- Disputes you were aware of or should have been aware of when you applied for Safeguard Legal Expenses Insurance.
- Any costs incurred without our written consent.
- Matters which are covered under other insurances e.g. professional indemnity.
- Defamation actions.
- Disputes over breaches of patent, trademark, design, copyright and trade secrets.
- Damages fines and penalties.
Individual Sections Exclusions
|
|
|
|
6. What is the duration of the policy?
This insurance policy runs for 12 months from the date of commencement. Prior to the expiry of the policy you will be notified whether we are prepared to offer renewal terms.
7. What are the cancellation rights?
If having examined your policy you decide not to proceed, you will have 14 days to cancel it starting on the day you receive the policy documentation. You will also have 14 days to cancel the policy after every renewal date.
To cancel the policy you should ring us on 020 8652 1313 or write to us at FirstAssist Insurance Services Limited, Marshall’s Court, Marshall’s Road, Sutton, Surrey SM1 4DU or alternatively contact your usual insurance advisor. On receipt of your notice, we will refund any premiums already paid, except when you have already made a claim on the policy.
8. How do I notify you of a claim I wish to make?
If you want to notify us of a claim, please contact us;
| …in writing | Write to William B Rose, 54 Welsh Row, Nantwich, Cheshire, CW5 5EJ |
| …by phone | Telephone 0845 600 4996 |
9. How do I make a complaint about this insurance policy?
This insurance policy is administered by FirstAssist Insurance Services Limited and is underwritten by Great Lakes Reinsurance (UK) PLC.
If you wish to notify a complaint, please contact us;
By writing or telephoning;
FirstAssist Insurance Services Limited
Customer Relations Department
Marshall’s Court
Marshall’s Road
Sutton
Surrey SM1 4DU
020 8652 1313
Complaints that cannot be resolved by FirstAssist may be referred to the Financial Ombudsman Service.
-
Financial Ombudsman Service
-
(Insurance Division)
-
South Quay Plaza
-
183 Marsh Wall
-
London E14 9SR
-
Telephone: 0845 080 1800
-
Website: www.financial-ombudsman.org.uk
10. Is Great Lakes Reinsurance (UK) PLC covered by the Financial Services Compensation Scheme?
Great Lakes Reinsurance (UK) PLC is covered by the Financial Services Compensation Scheme. This provides compensation in case any of its members go out of business or into liquidation and are unable to meet any valid claims under its policies. Further information can be obtained from the Financial Services Compensation Scheme (www.fscs.org.uk) or by contacting the FSCS at 7th Floor, Lloyds Chambers, Portsoken Street, London E1 8BN or by calling 0207 892 7300.
Other Important Information
FirstAssist Insurance Services Limited is registered in England and Wales No. 04617110. Registered office at Marshall’s Court, Marshall’s Road, Sutton,
Surrey SM1 4DU.
Great Lakes Reinsurance (UK) PLC is registered in England and Wales No. 2189462. Registered office at Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ.
FirstAssist Insurance Services Limited is authorised and regulated by the Financial Services Authority. FSA Register No. is 310671.
Great Lakes Reinsurance (UK) PLC is authorised and regulated by the Financial Services Authority. FSA Register No. is 202715.
You can check this information on the FSA’s Register by visiting the FSA’s web site www.fsa.gov.uk/register or by contacting the FSA on 0845 6061234.
December 2009
