Private Legal Expense Insurance

Why Private Legal Expense Insurance?

Legal expense insurance may help limit a family’s exposure to the potentially crippling cost of unforeseen legal action. It provides affordable access to legal information and representation in court when members of a family might otherwise be deterred from exercising their legal rights. Depending on the type of claim, this may include defence or pursuit costs or both.

The justice system can be complex and expensive. Just an hour of a lawyer’s time can cost hundreds of dollars and going to court could cost thousands. It may make financial sense to protect ones family and their legal position.

Why ARAG?

About ARAG Australia

ARAG Australia is part of the ARAG Group, a global expert in Legal Expense Insurance. ARAG Australia has a locally based team, providing nationwide services to all Australian clients and partners, offering legal expense insurance policies under a binding authority as agent for the insurer of the products.

Summary of Cover

For a full description of Policy cover, conditions and exclusions, please read the Policy wording. Limits of Indemnity apply to the product. Consumer contract disputes and Tenancy disputes (Gold) or Consumer contract, Tenancy and Employment disputes (Diamond) are additional modules to the Silver package.

What happens if...

Jane tripped on uneven pavement in a shopping centre, falling and spraining her wrist. She contacted the centre and was advised that they would not be responsible for her injuries, despite numerous requests by her to meet with the centre management. Her broker reminded her she had taken out private legal expense cover in addition to her home & contents insurance. Her broker contacted ARAG and subsequently submitted a Claim to pursue compensation for medical expenses and damages. ARAG appointed lawyers to pursue the shopping centre owners for damages and at a mediation the shopping centre agreed to pay damages and contribution to legal costs. ARAG paid the appointed lawyer’s fees and the costs of expert reports. ARAG paid all legal costs, the insured paid a $500 excess.

Bob’s employer advised him that they were terminating his employment. He has worked at the organisation for more than ten years. Several of his colleagues with similar roles were kept on even though they had not worked for the company for as long. His employer only paid him until the end of the week. He contacted the ARAG legal information helpline, a Claim was opened on his behalf, and a lawyer assigned who negotiated a proper severance package for him. All legal costs were paid by ARAG.

* These are examples of how the product works only and are not testimonials of actual customers or situations.