Family Legal Protection

How can ARAG’s Family Legal Protection help?

Life doesn’t always run smoothly. When legal problems develop they can be expensive and stressful to resolve. From disputes with an employer to issues with a neighbour or retailer or even identity theft, we can offer your customers effective solutions with our range of products tailored to their needs.

Legal protection is a crucial tool in family life. It provides families with expert support and advice in legal disputes, which can be confusing and costly, leading to significant legal fees and legal costs. With personal advice available 24/7, families can rest assured that they have the help they need, when they need it. Family Legal Protection is a valuable investment for any family looking to protect their rights and ensure their wellbeing.

We can help your customers with:

Employment legal disputes
Issues related to unfair dismissal, redundancy, or other workplace conflicts between an employee and employer.
Consumer disputes
Disputes over the purchase of goods or services.
Neighbour legal disputes
Conflicts with neighbours, such as boundary issues, noise complaints, or property damage.

Personal injury or death
Legal action taken against a person or organisation believed to be responsible for causing injury or death.
HMRC tax investigations
Inquiries conducted by HM Revenue & Customs into your personal tax returns or financial records.
Identity theft
When someone unlawfully uses your personal information for fraud or other criminal purposes.

Day One Benefits

With most insurance policies, you don't see any real benefit until you need to make a claim. Our family legal expenses insurance is different. It offers a wraparound legal service from day one. There are benefits your clients can access straight away, to help them manage and minimise any common legal issues they may face.

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Legal and Tax Advice

You can call our legal advice helpline and get immediate advice about personal legal matters 24 hours a day, 365 days a year. You can also obtain tax-related advice from our tax helpline, available between 9am and 5pm on weekdays (except bank holidays). Your query will be dealt with by a qualified specialist who is experienced in handling legal and tax-related matters.

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Legal Documents

Access to an online service for downloading legal documents, letters and formal notices, such as, wills, consumer dispute letters and landlord notices. The ARAG legal document service is easy to use. In just a handful of simple steps, you can prepare a document that is tailored to your particular circumstances.

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Employment legal expenses scenario

Our policyholder worked as a painter for a small painting and decorating company. She found out that a male colleague was on a higher wage than her even though she was more experienced and had more expertise. She submitted a grievance for equal pay.
Whilst this was being investigated, the company suffered a downturn in work and made the policyholder redundant. She felt she was unfairly selected and, in her opinion, was being made redundant due to her grievance. She contacted us to make a claim.

We confirmed cover and appointed a specialist lawyer to act. Prior to the hearing at the employment tribunal, the former employer agreed to settle for £9,400, plus a good reference. ARAG paid the lawyer’s fees of £2,500.

Tax legal expenses scenario

Our policyholder received a letter from HMRC stating that they intended to make an enquiry into our insured’s personal tax return for the previous year.

Our insured contacted us and we appointed a tax consultant to represent him and negotiate on his behalf. After extensive investigation, HMRC confirmed that the tax return was in order with appropriate tax paid. We settled the tax consultant’s invoice for £3,500.

Property legal expenses scenario

A neighbour had built a wall which encroached onto our policyholder’s garden. After failing to reach an agreement with their neighbour about removing the wall, our policyholder contacted us and we appointed a lawyer to act for them.

Following protracted correspondence, both sides agreed to mediation, leading to an agreement for the removal of the wall where it had been built on our policyholder’s land.

We paid the lawyer’s fees of £5,250.