What is Legal Expenses Insurance Cover?

You may have wondered exactly ‘what is legal expenses insurance cover?’ This article explains what it is and how it can help you.

Legal expenses cover is additional insurance that you can buy annually alongside your park home insurance.  The policy is designed to protect you against the costs of being sued, or of making a claim against someone.

Legal expenses cover is one of the most practical and reassuring benefits included in many Park Home Assist insurance policies. It provides essential support when legal problems arise — from contract disputes and neighbour issues to employment, injury or identity fraud.

With legal assistance provided by Arc Legal Assistance, policyholders have access to expert solicitors and a 24-hour helpline whenever advice or representation is needed. Below are real examples of how this cover has helped insured customers resolve disputes and avoid costly legal proceedings.

  1. Contract pursuit covered by legal expenses insurance

An insured park home owner was accused by their park owner of damaging a stop tap and was threatened with eviction when they refused to pay. After calling Arc’s Legal Assistance Helpline, a solicitor was appointed to represent them. A formal letter to the park owner quickly resolved the matter — without the need for further legal action.

  1. Contract defence

An insured customer who had recently purchased their park home received a demand from the site owner for a fee they hadn’t known existed. Arc Legal appointed a solicitor to negotiate on their behalf, achieving a fair settlement. Their Legal Expenses policy covered £2,000 in legal costs.

  1. Personal injury

A customer who had taken out a legal expenses insurance policy was injured while unloading steel frames. He suffered multiple facial injuries including a shattered jaw and damaged teeth. Arc Legal’s appointed solicitor pursued a compensation claim, securing £50,000 for the insured’s injuries and recovery costs.

  1. Property infringement

A neighbour repeatedly blocked a customer’s driveway, restricting access to their home. After several failed attempts to resolve it informally, Arc Legal stepped in. A court order was issued preventing the neighbour from parking there again, with £2,295 in legal costs covered by the policy.

  1. Property damage claim covered by legal expenses insurance

Repeated ruptures of a South East Water pipe caused serious flooding and property damage. Arc Legal instructed a specialist solicitor who successfully negotiated a £35,000 settlement for our customer.

  1. Criminal prosecution defence

The customer was caught driving at 100mph in a 70mph zone and faced a possible driving ban. Arc appointed a solicitor to represent them at court. Following a plea in mitigation, the insured received a fine instead — avoiding a ban thanks to expert representation.

  1. Employment pursuit

After four years with the same employer, the customer was suddenly made redundant with just one week’s notice and no consultation. With Arc Legal’s help, a solicitor achieved a £6,500 financial settlement for the insured.

  1. Pitch disputes

A park owner accused a customer of leaving rubbish behind after hiring a skip, demanding they tidy the site or pay extra fees. After advice from Arc’s helpline, a solicitor intervened, issuing a letter that quickly resolved the dispute through negotiation.

  1. Probate dispute

A customer discovered that their late mother’s will left a larger share to a sibling who had been out of contact for years. Arc Legal appointed a solicitor who negotiated a fairer settlement, ensuring the insured received a just entitlement.

  1. Personal identity fraud

The insured customer discovered several mobile contracts had been fraudulently opened in their name, damaging their credit score. Arc Legal’s appointed solicitor contacted the provider, resulting in the fraudulent contracts being cancelled and the credit record corrected.

  1. Social media defamation

After posting on a local Facebook page, the customer of Park Home Assist was targeted by defamatory comments from an ex-colleague. A solicitor instructed by Arc Legal sent a formal letter demanding removal of the posts. The third party apologised and deleted all comments, resolving the issue swiftly.

  1. Tax disputes

HMRC notified the customer of a full investigation into their personal tax affairs. Arc Legal appointed an accountant to respond with the required documentation. The explanation was accepted, and the matter was closed without further action.

  1. Eviction of unauthorised occupants

The insured customer allowed a friend of a relative to stay temporarily, only to find she refused to leave. With help from Arc’s helpline and an appointed solicitor, the insured regained full legal possession of their property and the guest was removed.

Why legal expenses cover matters

These examples show how legal expenses insurance cover can protect you from the cost and stress of legal action. Whether it’s an accident, contract dispute, or unexpected legal threat, having access to professional legal advice ensures you can act quickly and confidently — without worrying about the expense.

See all policy benefits here: https://www.parkhomeassist.co.uk/park-home-insurance/legalexpenses

Wider applications of cover

Legal expenses cover through Park Home Assist can help with much more than contract or property disputes. It can also assist with personal injury, employment issues, tax investigations, and even identity theft. This makes it one of the most valuable and wide-ranging benefits of your policy, providing expert legal help when you need it most.

Get started today

For information or to check your cover, contact Park Home Assist today. Expert legal help is just a call away, ensuring your park home and possessions are protected.

Contact us online or call us on 01604 946 796.

Please note that all insurance cover is subject to acceptance of terms and conditions.

This is a marketing article from Park Home Assist, multi award-winning providers of park home insurance, mobile home insurance, insurance for static caravans,  insurance for holiday homes and holiday lodges, as well as boat insurance and touring caravan insurance. If you have any questions about your insurance, then please call our office on 01604 946 796 and one of our insurance advisers will be happy to help.

Published – 7/11/25