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Customer Claims Hub – Step 6

Step 6. Check your chances of success

Once your legal firm receives your case, the next step is to look at its chances of success, sometimes called ‘prospects’. This can be one of the most confusing parts of legal expenses insurance, so here's a simple explanation of what it is, why it's needed and what happens next.

Learn more about 'Prospects of Success'

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"Prospects" means the chances of your case being successful.

Most legal expenses insurance policies will only continue to cover a case if it is more likely than not to succeed. This means there must be at least a 51% chance of success. Some policies may have different terms.

To decide this, your legal representative will look at the facts, the evidence and the law that applies to your situation.

They will talk to you to understand what has happened and how they can help. They may ask for more information or documents to help them make a decision about your case.

They will review your case and explain whether they believe it is likely to succeed, based on the information available.

If you are claiming money or compensation, they will also look at whether the other side is likely to be able to pay if you win your case.

If you are defending a claim, or your case does not involve compensation, they will assess whether your case is more likely than not to succeed.

To continue, your case must meet the requirements of your legal expenses insurance policy.

If they don’t think your case is likely to succeed, they will explain why in a clear and simple way.

The chances of your case succeeding can change as more information becomes available.

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Your legal representative will keep this under review throughout your claim. If they decide that your case has less than a 51% chance of success, your policy may no longer cover the claim and funding may stop.

If their assessment changes at any stage, they will explain what has changed, why and what steps are required.

What is "Prospects of Success"?

Watch the video to learn more and find out why it is essential to the availability and affordability of legal expenses insurance.

Next step: 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.

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.