Common queries on working with us answered

You can find answers to most queries on our legal protection insurance, commercial legal expenses insurance and claims services using the quick look-ups below.

Can’t find what you’re looking for, or need more from us? Talk to our teams or contact us.

Claims FAQs for legal protection insurance
For employment disputes claims and litigation, you do have a choice for your insured: (a) if they want to use their usual solicitor, this should be discussed with our underwriting team when you’re purchasing the cover, so that policy terms (including applicable excess) and premium can be agreed accordingly (b) or Abbey Legal’s litigation unit can be instructed to act as part of the insurance.
This information will be in their insurance schedule.
For claims under sections of cover other than employment disputes and tax protection, the insured is free to choose. We’ll generally accept their choice, as long as we think that the proposed solicitor has the appropriate expertise, and that their charging rates are fair and reasonable given the circumstances of the insured’s case. But this may still involve us setting an increased policy excess on the claim. 
No. The policy requires the insured to instruct an Abbey Tax & Consultancy Services Ltd consultant to represent them in respect of a tax investigation. 
If your client purchases the contract dispute section of cover, undisputed debts are covered, but ONLY if they have followed the process below – please note, this is a condition of policy cover. 
Undisputed debts process
  1. An undisputed debt must be referred to the Debt Collection Service within 30 days after the date the invoice was due for payment. 
  2. The Debt Collection Service is provided by a debt collection organisation which is not part of Abbey Legal Protection, but it can be accessed by telephoning the Abbey Legal advice line. 
  3. The insured must utilise the services of the Debt Collection Service at their own cost. The fee charged by the Debt Collection Service is a percentage of the amount of the debt recovered from the debtor. Your Abbey Legal policy does not cover this fee
  4. If the Debt Collection Service recommends legal proceedings against the debtor to recover the debt, or if the debt becomes disputed, the insured must immediately submit an insurance claim under the contract dispute section of cover. 
  5. To submit a claim, the insured must contact AbbeyLegal’s Claims Department. 
No. The policy only indemnifies legal expenses which have been incurred with Abbey Legal’s Claims Department’s prior written consent. 
Underwriting FAQs for legal protection insurance
The Abbey Legal key document library is your comprehensive resource on working with us.
We aim to give an indication of terms/quotes within two working days.
No. Our policies cover the Insured in respect of a wide range of legal issues, but the cover is NOT unlimited and does includes conditions or exclusions. These are all set out and detailed in the policy wording.
No, but we do have other specific products for this need. Get in touch.
Abbey Legal will always welcome discussing your client’s specific requirements to fit the need, so we can provide an indication of premium for one section of cover, multiples or the whole package. 
Construction contract disputes
No. If a contract is a 'construction contract' as defined by the Housing Grants, Construction and Regeneration Act 1996 (the Act) and it is not incidental to your client’s business description (i.e. their business is to enter into construction contracts), they would need to purchase our construction cover. The definition of a 'construction contract' under the Act is wide and we deem it to include contracts between a business (your client) and a residential occupier. We recommend that you read Sections: s.104 (1) and (2) and s.105 of the Act and then get in touch with us to discuss. 
Legal expenses insurance
Absolutely – gross or net. 
Online: Key facts policy summaries are available to download. You can also email us at (please tell us which product you are interested in) we’ll get back to you within two working days. 
It is really very important indeed. We underwrite your policy with us on the basis that the Insured will follow the correct procedures in all cases, and resist the (understandable) temptation to take shortcuts. If your Insured deals with another legal adviser, they may get advice on ‘quicker’ routes, but this adviser is unlikely to be in a position to understand how this may affect their policy (and cover) with us. Working with Abbey Legal’s legal advice line means that you and your client will be no in doubt as to the correct process, and clear understanding as to how any ‘shortcuts’ will (or will not) impact on cover.
A special note on employment disputes
It is a condition precedent to indemnity for employment disputes that your insured follow the advice of the Abbey Legal legal advice line. Please refer to the employment section of cover for full details of when advice must be sought, and actions that must be sanctioned by the Abbey Legal legal advice Line. We make this condition for two reasons:
  1. To avoid the claim arising. If the correct procedure has been adopted, the employee will believe they have been treated properly and will be advised by any lawyers they may seek advice from that they have been treated properly. They are therefore less likely to seek compensation from the insured. 
  2. If the employee nevertheless commences legal proceedings, by having sought and followed advice from the Abbey Legal legal advice line, the Insured will be in the best position to defend the proceedings. 
We do not expect our insured clients to be employment law experts, so your clients have telephone access to  our expert solicitors and barristers 24/7. The policy wording sets out exactly when advice should be sought, and if by seeking and following advice from the Abbey Legal legal advice line legal proceedings can be avoided, this benefits everyone.