Home Legal Protection Cover

Home Legal Protection Cover

Adding Home Legal Protection Cover to your 1st Central Home Insurance will help you with legal claims and disputes. You’ll be covered for up to £100k of legal costs, there is 24/7 advice and support, and you won’t have to pay an excess.

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Key features of Home Legal Protection Cover

Protect your home with Home Legal Protection Cover

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What is Home Legal Protection Cover?

Legal costs can be really expensive, which is why our Home Legal Protection Cover optional extra is designed to help you through difficult and often stressful legal situations. Providing you with valuable peace of mind, knowing that you won't have to cover the costs yourself.

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What's covered under Home Legal Protection?

  • The pursuit or defence of a claim relating to a contract for the sale, purchase, servicing, repair or hire of personal goods or services
  • A claim relating to physical damage to your personal property at your home
  • A claim against a third party if you suffer injury or death due to an accident or as a result of clinical negligence
  • If, as an employee or ex-employee, you experience a breach of your rights under your contract of employment
  • If you suffer nuisance, trespass or physical damage to your home
  • A claim to respond to a formal aspect or full enquiry into your personal Income Tax position from HM Revenue and Customs

    Read Home Legal Protection Cover Policy Wording
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What isn't covered under Home Legal Protection? 

  • Claims that have less than 51% chance of winning the case 
  • We won't be able to cover legal costs for incidents which occurred prior to you buying this insurance
  • Any claim relating to a contract involving the construction or alteration of a building for your own use
  • Any claim arising from the purchase or sale of your home
  • An accident involving a motor vehicle where you were driving or were being carried as a passenger
  • Any claim for personal injury which wasn't caused by a specific or sudden incident, or which develops gradually

    Read Home Legal Protection Cover Policy Wording 
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Need to make a Home Legal Protection claim?

Our team is on hand 24/7 to help with any advice you might need. 

To make a claim, just call 0333 043 2076 at any time day or night we will be open and ready to help. 

We're here to help every step of the way

If you’ve got a question about your policy, you might find the answer you’re looking for on our Help and Support page.

Go to our help section

Frequently Asked Questions

What is Home Legal Protection?
Our Home Legal Protection means you’ll be covered for up to £100,000 in legal costs if you’re involved in a legal matter, such as employment disputes, personal injury claims, property disputes and clinical negligence.

You’ll also have access to a 24/7 helpline so you can get advice and guidance from a legal expert on a variety of areas. And there’s no excess to pay on this cover.
I'd like to add Home Legal Protection Cover to my policy
If you have an existing home insurance policy with 1st Central and would like to add Home Legal Protection Cover, don’t worry, you can take out this cover at any time during the year, simply give us a call on 0333 043 2001 and we'll get it added to your policy. 
I'd like to discuss an existing home claim
If you have a question about an existing home insurance claim, we're here to help Monday to Friday, 8am - 5.30pm. Just give our friendly team a call on 0333 043 2034.
How do I make changes to my home insurance policy?
If you’d like to make a change to your home insurance policy – like update your personal details, add or remove a joint policyholder or add extra items to your cover – just give our friendly Customer Service team a call on 0333 043 2001 and they’ll take care of this for you.
Do you offer live chat?

We also offer live chat across our sales pages, within Your Account and on our Help & Support page. Look out for the blue chat web chat icon at the bottom right of the page.

You can use web chat to and discuss any queries you may have with our Customer Services, Sales, Renewals, Claims and Payments & Finance team.

You can also make a payment if you’re in arrears, providing we already hold your payment method on your account.

See our opening hours here