Legal
Legal protection: when does the policy not apply?
Key exclusions, waiting periods, and common pitfalls, clearly explained.
Legal protection insurance provides strong support, but it is not an all-in-one shield. If you understand typical exclusions, you avoid disappointment when it matters. This article highlights the most common reasons a policy does not cover a case.
1. Waiting periods before coverage starts
Many policies include waiting periods of 3 to 12 months. Cases that arise during that time are not covered.
This is especially common for employment or tenancy legal protection.
- Check the waiting period in your policy
- Retroactive coverage is usually excluded
- Document the policy start date
2. General exclusions
Some topics are generally excluded regardless of provider, such as divorce, construction projects, or speculative business.
These areas often require special cover.
- Construction and planning disputes
- Divorce and inheritance (in part)
- Intentional acts
3. Minimum dispute value and limits
Some policies require a minimum dispute value before they pay. Smaller conflicts can be excluded.
Maximum amounts per case can also be relevant.
- Check the minimum dispute value
- Know the coverage limit per case
- Factor in deductibles
4. Disputes with your own insurer
Conflicts with your own legal-protection provider are generally not covered. Disputes with affiliated companies may also be excluded.
External advice is often needed.
- Review insurer-related exclusions
- Use ombuds services
- Seek independent advice
5. Timing of the conflict
What often matters is when the conflict started, not when it escalated. Existing problems cannot be insured retroactively.
Legally, the “start” is often the first triggering event.
- Document the start of the conflict
- Seek advice early
- Retroactive cover is usually excluded
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Conclusion
Legal protection can be powerful, but only within its scope. If you know the most common exclusions, you can plan realistically and act decisively when a conflict arises.