Home Legal Expenses Protection

Get access to a 24/7 helpline for advice on any legal matter, and if needed, cover for legal costs up to £100,000 - available as an extra level of protection for all Swinton Home Insurance policyholders for £29.99 a year. 



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Access to a 24/7 legal helpline for any legal matter 

Before you decide to take legal action, it's important to understand the situation clearly and if there's anything else that can be done. Make the most of our helpline by speaking to our dedicated legal specialists, and you may be able to avoid taking legal action at all.

Our helpline is open 24 hours a day, 7 days a week. Available to you if you need to speak to a dedicated legal specialist, who can advise on whether or not you need to take legal action. 


Cover for legal fees and costs for up to £100,000

If you've consulted with our helpline team and you need to take legal action, you can get up to £100,000 of cover for legal expenses. In addition, we'll also cover members of your household at no extra cost. 


What's included in Home Legal Expenses?

  • 24-hour legal helpline for any personal legal matter
  • Cover for legal expenses up to £100,000
  • Members of your household are also covered at no extra cost

Pursuit or defence of:

  • Personal injury claims
  • Employment disputes, such as unfair dismissal, discrimination and issues with parental leave (excludes self-employed)
  • Disputes when buying or selling your home
  • Civil disputes with your neighbours
  • Damage to your personal property caused by someone else
  • Disputes relating to a purchase
  • Tax enquiries by HMRC
  • Replacement of salary lost while on jury service

If you'd like further detail on level of cover, take a look at our policy details document

Important to know

  • You are only covered for the home you live in, not other properties you may own
  • The claim event must have occurred during the period of insurance
  • The appointed legal firm will need to consider how successful your claim is likely to be (needs at least a 51% chance of winning)



Home Legal Banner

How does it work?

If you're not sure if you should make a claim, or if you just want some general legal advice, you can call our helpline as often as you need - we're always on hand.

If you need to make a claim, our experienced legal team will act on your behalf, ensuring you get the justice you deserve. 


We're here to help you with legal claims such as...


Screwdriver icon Consumer Issues


Some cases of consumer issues, perhaps you've hired a plumber to install a new shower, but they've damaged your bathroom in the process.


doctor logo No-fault Injuries 


Injuries that aren't your fault, such as slipping on a wet surface that has no wet-floor sign.


Money Icon Financial Issues


Financial related issues, such as HMRC querying your end of financial year tax return. 



Home icon  Building Concerns


If you're finding faults in your new build and developers won't fix them, or maybe you're having a dispute with your neighbour who's tree has fallen and caused damage to your house.

Legal Expenses for you and members of your household 

Legal issues often aren't at the forefront of our mind, until we suspect we are being treated unlawfully and need to take legal action. 

Get some peace of mind with 24/7 access to our friendly team on our legal helpline - and know that you could be covered if you need it. 


How to make a claim 

We understand that sometimes the unexpected can happen. If you need it, we've made an easy-to-follow process to make it as simple as possible to make a claim. 

Before you make a claim

Have you tried calling our legal helpline? You may be able to avoid needing to make a claim at all, our legal specialists are here to help on any legal matter - you can find the number to call on your policy documents.

Contacting the home legal claims line

If you do need to make a claim, please have your policy number on hand as it will help speed up the process. Call the home legal claims line on 0333 035 9760. You can also call this number for an update on a claim of yours that's being processed.

Home Legal Expenses FAQs

Yes, you will need to call our helpline before making a claim. Our team specialises in dedicated legal advice, which could potentially help your situation without you needing to take legal action at all. 

No, home legal expenses is an optional add-on to your Swinton Home Insurance policy. 

We understand that taking legal action can be expensive when you fund the legal expenses yourself, so having Home Legal Expenses on your Home Insurance policy can give you a sense of security that you can be covered, should you need to take legal action.

Even if you don’t need to take action, our dedicated specialists on our 24 hour helpline are there to support you with legal advice and answers to your questions – if you need it.

Our home legal expenses cover is a set price of £29.99 a year, added to your Swinton Home Insurance policy.

Yes, you can add this optional add-on to your main Home Insurance policy with Swinton mid-term. However, it’s important to remember that you can’t claim on your home insurance for pre-existing issues.