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Customer Claims Hub - Step 1

Step 1. Got a legal problem?

Legal Expenses Insurance helps if you have a problem. Things can go wrong quickly and feel hard to deal with on your own. Legal Expenses Insurance can give you support and clear advice when this happens.

Business man talking at the phone_Step 1 of Claims

You don’t need to be a legal expert. Legal Expenses Insurance is there to help when things become difficult.

What is Legal Expenses Insurance?

Legal Expenses Insurance can help families, businesses, and motorists deal with common problems before they get worse.

It typically helps with problems such as:

Employment disputes, problems at work or unfair treatment
If you have been injured and it’s not your fault
Property disputes such as problems with neighbours or boundaries
Disputes involving contracts
Tax or legal investigations

Legal Expenses Insurance can give expert guidance, practical next steps, and legal support for issues covered by your policy, so you’re not left handling complicated matters alone.

Help and Support

Dealing with a legal problem can be stressful. Having the right support at the right time can make a real difference. Your ARAG Legal Expenses Insurance can give you access to different tools and resources. These are designed to help you understand your rights and feel more confident about what to do next.

Business man holding his phone, smiling and looking relaxed

The legal advice helpline is available 24 hours a day, every day of the year. It is here to support you and help you understand your situation. They can give general advice and suggest what steps you should take. This may include making a claim under your Legal Expenses Insurance policy.

You have access to a wide range of legal templates, letters and guides. These tools are designed to make the legal process easier to understand, giving you practical support when you need it.

You can sign up for access by checking your policy documents for a link to the portal and your voucher code.

You can find more advice and guidance on our website or the ARAG YouTube channel whenever you need a bit more help.

ARAG YouTube channel

What is legal expenses insurance?

Next step: Making a claim

Following a legal advice call, the advisor may suggest you make a claim. They can help you with this.

Customer claims journey

Click the arrows or the bar below to browse the steps.

Got a legal problem?

If you think you may have a legal problem, we are here to help you.

We encourage you to call the legal advice line as soon as you can. The number is in your policy documents.

The legal adviser can give you general advice on this matter and help you understand what steps you could take.

You also have access to a wide range of legal templates, letters and guides. These tools are designed to make the legal process easier to understand. You can find the link to sign up and your voucher code in your policy documents.

Learn more Request legal advice

Make a claim

Following a legal advice call, the adviser may suggest you make a claim and explain what to do next.

You can also make a claim online by using the ‘make a claim’ option below. 

If you are unable to submit a claim online, please call the Claims Helpline. The number can be found in your policy documents.

Learn more Make a claim

Check your cover

We will contact your main insurer to confirm you have an ARAG legal expenses policy. We will also check that your policy was in place on the date your problem started.

Check your claim

Your claim handler will review your claim. They may contact you if they need more information to help them understand the problem.

We’ll then contact you to explain the next steps.

Appoint a law firm

Once your cover has been confirmed, we will pass your claim to a law firm with the right experience for your case. The law firm will contact you to explain what happens next and send you their client engagement letter. They can start work once you’ve read and signed this document.

Check your chances of success

The legal representative must assess if your claim is more likely than not to succeed (51% or more). The prospects of success must be 51% or higher throughout the claim. If it drops below this, the claim will end at this point. If this happens, we will contact you to talk about your options.

Your claim progresses

Your legal representative will keep you updated as your claim moves forward. They will explain to you what your options are, and work with you to achieve the best outcome. Some claims may take longer if they are more complex or there are delays in the courts. If you have questions or need an update, you can contact your legal representative or our claims team at any time.

Claim outcome

You may win your case or agree to settle it before it goes to court. Sometimes, a claim may stop if you decide not to go ahead or your chances of success drop. Sometimes your case may lose. We will explain the outcome clearly, so you understand what it means for you and what happens next.