News, Articles, PR - ARAG | Legal Expenses Insurance

Tis the Season to be Wary

Yes, it’s December again already and, having only just navigated the potential pitfalls of Black Friday, businesses of all sizes are gearing up for the holiday season. 01/12/2023
Takeaways from the Women in Insurance Summit

This week, a group of staff from across the business took the train up to London for the UK Women in Insurance Summit hosted by Insurance Business in Canary Wharf. ARAG was very pleased to be one of this important event’s sponsors. 01/12/2023
ARAG scoops ATE Funding Award

ARAG was presented with the Case Funding Provider award in this year’s Personal Injury Awards, at a ceremony held at the iconic Hilton Deansgate hotel in Manchester, last night. 24/11/23
Women in Insurance Summit

We’re thrilled to be supporting the UK Women in Insurance Summit that is being hosted by Insurance Business next week, in Canary Wharf, and looking forward to the fascinating line-up of speakers and panel discussions in what looks like a packed and thought-provoking agenda. 23/11/2023
Black Friday risks for SMEs

Every year, around this time in November, news pages, inboxes and search results are dominated by the words ‘Black Friday’. Accompanying all the stories about how and where to secure the best deals during retail’s biggest feeding frenzy, are dire warnings to consumers about bogus offers and heightened security threats. 21/11/2023
How to get financial stress under control

Financial issues can look different for everyone. Some people struggle to pay bills, feed the family, or maintain a place to live. Others meet their basic needs but are dipping into their savings for extras. Research shows that the number of people stressing about their finances is increasing. Understandably, financial issues can cause distress, anxiety and worry. 20/11/23
SMEs must beware Black Friday too

Small businesses need to address key risks ahead of Black Friday (November 24th) whether they are planning their own promotions for the Black Friday-Cyber Monday weekend or simply shopping for a bargain themselves. 13/11/2023
Talking Law Podcast featuring Emma Wilson and Lisa Abrahams

Sally Penni MBE is Talking Law with Lisa Abrahams & Emma Wilson. Lisa and Emma both work in insurance at ARAG, which provides legal insurance products on a global scale. Lisa and Emma both discuss how they came to their careers via alternative routes, and stress that it’s never too late to start. 10/11/23
Day 1 Benefits

With most insurance policies, if you don’t make a claim then you don’t get any real benefit from them. Our Essential Business legal policy is different, it offers a wraparound legal service from day one. 06/11/2023
ARAG on the challenges still facing SMEs

Conversations about the cost-of-living crisis and surging energy bills understandably tend to zero in on the impact these are having on individuals and families – as do the various assistance packages put in place to offset these challenges. 02/11/23
How to help men open up about their worries

The theme for International Men’s Day on November 19 2023 is ‘Zero Male Suicide’. However, men are now almost three times more likely to see a therapist if they’re worried, compared to 2009. 01/11/23
Building bespoke partnerships - Lanyon Bowdler

Last years Clinical Negligence Lawyer of the Year at the Personal Injury Awards, Beth Heath of Lanyon Bowdler, talks about her experiences working with ARAG and a special scheme developed for lower value claims following the Shrewsbury & Telford NHS Hospital Trust maternity scandal. 30/10/2023
Understanding the link between mental and physical health

People with mental ill health may find that they experience migraines, headaches, fatigue and stomach problems. Whilst people who suffer a physical injury may find they suffer with low mood, sadness or anger. 27/10/23
ARAG to provide hire car cover for Hastings Direct customers

Leading legal expenses insurance and assistance provider ARAG has been selected by Hastings Direct to supply Vehicle Hire Insurance to motor clients of the Bexhill-on-Sea based insurance provider. 20/10/23
Seasonal Affective Disorder (SAD)

As we move through the shorter winter days, many of us will find that it’s becoming harder to get outside. However, getting fresh air, at least once a day, is essential to our wellbeing and mental outlook. 19/10/23
On the road with ARAG ATE

We’ve held a series of seminars through the summer and into the autumn, talking to practitioners about how the landscape for clinical negligence and serious injury has changed over the 10 years since the Legal Aid, Sentencing and Punishment of Offenders Act (LASPO) was implemented, and how ARAG has continued to adapt our ATE policies to meet the changing demands of the sector. 17/10/2023
Flexible solutions for difficult cases

One of the key differentiators on which ARAG has built its success in the UK is the company’s flexibility around products and underwriting. Whether we’re working with an insurer, broker or a solicitor, we recognise that every firm serves different groups of clients, and that we sometimes have to adapt our products to meet their needs. 17/10/2023
Far from ‘fixed’ - changes to Fixed Recoverable Costs continue

While most clinical negligence cases still remain outside the Fixed Recoverable Cost (FRC) regime following the broad expansion that was introduced at the start of this month, it doesn’t look like they will escape much longer. 17/10/2023
ARAG DAY - supporting Bristol Law Centre

Since our business was founded in 2006, ARAG has supported many charities and community organisations, and encouraged staff to provide practical help wherever we can. In June, for example, members of the ATE team climbed Yr Wyddfa in North Wales, otherwise known as Mount Snowdon, to raise money for the charity AvMA (Action against Medical Accidents). 17/10/2023
Adapting for justice

Among the characteristics that we prize most highly, ARAG has always striven to be flexible. But our adaptability is more than just a USP. At ARAG, innovation is driven by our founding principle of extending access to justice to those who might otherwise be unable to afford it. 17/10/2023
The RAG October 2023

Welcome to the October edition issue of The RAG, the ARAG UK news bulletin. 16/10/2023
Menopause and Mental Health

World Menopause Day is held every year on the 18th of October. The purpose of the day is to raise awareness of the menopause and the support options available for improving health and wellbeing. 09/10/23
ARAG shortlisted for 3 more awards

ARAG has been no stranger to awards ceremonies this year, but even we were pleasantly surprised to hear that our work has been acknowledged with nominations in no fewer than three different categories in this year’s Personal Injury Awards. 03/10/2023
ARAG DAY 2023

A week of events leading up to ARAG DAY 2023 has seen ARAGs support of Bristol Law Centre extended to include working with one of our local partner law firms, Ashfords LLP, to increase capacity at the law centre and provide legal advice clinics for people in employment and family law. 29/09/2023
Our ARAG DAY partner - Bristol Law Centre

Bristol Law Centre CEO, Karen Bowers, and ARAG MD, Tony Buss, talk about the partnership between the two organisations and how ARAG is helping the law centre in its work. 21/09/2023
Getting ready for ARAG DAY

Like many companies, selecting our charity of the year is a careful decision that typically results in ARAG supporting a charity that is both local and close to our hearts. This year, however, we’ve had an additional consideration, as we’re participating in a global ARAG initiative to support organisations that extend access to justice. 21/09/2023
Supporting others and dealing with grief

It can be really difficult to talk about death and loss and it’s completely normal to feel unsure of what to say when trying to support someone who is grieving. It may be that you really want to help someone but are worried about saying the ‘wrong’ thing or upsetting the person. 19.09.23
Long, cold winter looms for SMEs

If this summer has been nothing to write home about, the signs of a difficult winter ahead are ominous. A few positive economic indicators may look like light at the end of the tunnel, but a deeper dive into the data reveals various pitfalls that SMEs must avoid if they are to survive into 2024 unscathed. 18/09/2023
Back-to-school anxiety: How to help young people

For many children and young people, the end of the holidays and a return to seeing friends each day is an exciting prospect. However, others may find the transition back-to-school - and the structure and routine that comes with that – daunting and overwhelming. 04/09/23
What you need to know about Hives and Rosacea

Whilst summer brings with it a whole host of health benefits, an increase in allergies, UV rays and heat can cause havoc with our skin - particularly for those who have pre-existing skin conditions. Our derma experts have delved into two skin conditions that are more common than you think - Hives and Rosacea - and shared common signs, triggers and management techniques for each. 15/08/23
Family-friendly policies and protection – changes you need to be aware of

The legal landscape around family-related employment protection is currently going through a considerable amount of positive change. Businesses will need to be aware of these changes, as some (in particular the additional protection against redundancy for employees returning from maternity leave) may impact on future strategic and management decisions. 10/08/23
Mole awareness: Non-melanoma and melanoma skin cancer explained

With summer in full swing, many of us will be spending time in the sunshine. Whilst the warmth of the sun can feel good on your skin, it’s important to remember that over-exposure to the sun can be dangerous - in fact, over-exposure to the sun is the most common cause of skin cancer. 09/08/23
ARAGs Legal Services Website - Day-one Benefits

Broker Account Manager Ben Parkinson and Corporate Account Manager Jason Howse talk about ARAGs legal services website and the benefits that it offers to personal, commercial and property owner policyholders. 10/08/23
ARAGs EduMe Training Platform

Corporate Account Manager Jason Howse talks about ARAGs EduMe platform for business partners, which provides a comprehensive suite of training packages to help staff sell legal expenses insurance and assistance products with confidence. 10/08/23
ARAG - The Claims Portal

BTE Claims Team Leader, Bianca Allison, talks about ARAGs Claims Portal, which was developed in-house, to enable policyholders, brokers and solicitors to initiate, update and check on the progress of a legal expenses insurance claim. 10/08/23
School’s out: A short guide to managing summer holiday stress

Although the kids are pumped for six-weeks out of school, we appreciate that as parents and carers you may feel quite the opposite. It’s no secret how difficult it can be to juggle childcare with work commitments. 06/08/23
Reputation, reputation, reputation or anti-social media

The old adage that “there’s no such thing as bad publicity” certainly isn’t true of businesses operating in the childcare sector, in which reputation is everything. Perhaps as much as almost any other profession, childcare depends upon a high degree of trust. After all, parents are leaving their children in the care of a nursery or childminder. 04/08/2023
LEI - how brokers can sell peace of mind

With UK businesses still reckoning with the ongoing sting of inflation, it might be expected that brokers looking to sell ancillary insurance products are facing customer resistance. One sector that is firmly rebuffing this expectation is that of legal expenses insurance (LEI), as evidenced by our strong results recently posted. 26/07/2023
How to open up about your feelings

It can sometimes be difficult to talk about your feelings and it’s common to feel worried about upsetting the people you care about, feel nervous about what people might think, or how opening up might affect your relationships. 24/07/2023
ARAG SE acquires D.A.S. UK

The ARAG Group and ERGO Versicherung AG, ERGO Group’s property & casualty insurer in Germany, have signed an agreement regarding the acquisition of D.A.S. UK, ERGO’s legal protection insurance business in the United Kingdom. Since 2006, the ARAG Group runs its UK operations via ARAG plc as Managing General Agent, reporting gross written premium under management of £61 million in 2022. D.A.S. UK started business over 40 years ago and today runs a legal expenses insurance company (D.A.S. Legal Expenses Insurance Company Limited) as well as a law firm servicing legal expense claims (D.A.S. Law Limited), which are both supported by an administrative services company ( D.A.S. Services Limited). Total gross written premium of D.A.S. Legal Expenses Insurance Company Limited was £129 million in 2022. 17/07/2023
Tribunal compensation limits rise in 2023

The Employment Rights (Increase of Limits) Order 2023, which sets out the annual increases to the awards in the Employment Tribunal, has been published. The new increased limits came into force on 6 April 2023. 10/07/23
LASPO 10 years on - ATE roundtable

Earlier this year, in partnership with the Law Society Gazette, we hosted a roundtable discussion, at Chancery Lane, London to talk about the subject of ‘LASPO 10 years on’. This was a very important event for us as it is highlights the need for “access to justice”, which has been declining since the LASPO Act was introduced. We have a series of videos from the day itself or you can read the full editorial here. 06/07/2023
How to take a digital detox to promote better mental health

Digital detoxing – when you take a planned break from your devices – is a great way to improve your mental health. Time without digital devices may allow you to become more mindful of unhealthy online habits and enable you to create a more meaningful routine. 05/07/2023
How to look after your mental health at work

The only thing we spend more time doing than work is sleep. In fact, more than 81,000 hours of our lives are spent working. With that in mind, it’s really important we equip ourselves with techniques to manage our mental health whilst we’re at work.
LASPO at 10

There’s an argument to say that the Legal Aid, Sentencing and Punishment of Offenders ACT 2012 (LASPO) has been good for the legal expenses sector. After all, the cuts to legal aid, law centres and almost every other source of legal support, whether brought about directly by LASPO or merely part of the same drive to reduce government spending, have left very few legal options within reach for most families and SMEs. 03/07/2023
Extending access to justice against the tide

We’ve just passed ten years since the LASPO (Legal Aid, Sentencing and Punishment of Offenders Act) reforms were implemented, and it is hard to believe that we have also seen 10 appointments to the role of Justice Secretary, since that legislation was passed in 2012. 03/07/2023
ARAG Day and Charity of the Year

Every other year, ARAG selects a new charity to benefit from all of the great events that our tireless staff throw themselves into, to give something back to our community. This year, the beneficiary is one that is both close to home, and close to the work we do in ensuring that as many people as possible have access to the UK justice system. 03/07/2023
All things digital

ARAG has always been committed to staying at the very forefront of digital legal services and we have made considerable investment over the last couple of years to ensure that our partners and their clients see the benefit. 03/07/2023
ACSO Whitepaper

While many people appreciate the huge benefits that legal expenses insurance (LEI) offers to policyholders for what is generally a very modest premium, it can sometimes be underappreciated or even misunderstood. 03/07/2023
The RAG July 2023

Welcome to the July 2023 edition issue of The RAG, the ARAG UK news bulletin. 03/07/2023
Right to Work checks – The consequences of getting it wrong

Employers are required to carry out right to work checks before employing an individual to ensure that the candidate they want to employ is legally allowed to carry out the work in question in the UK. 29/06/2023
Government Consultation on holiday pay for part year and irregular hours workers

The Government has issued a consultation into the calculation of holiday entitlement for part-year and irregular hours workers, with responses to be received by 9 March 2023. 28/06/2023
LGBTQIA+ in the workplace

Inclusion is the practice or policy of providing equal access to opportunities and resources for people who might otherwise be excluded or marginalised, such as those who have physical or intellectual disabilities and members of other minority groups. With inclusion as an objective, you are much more likely to see greater diversity in the workforce, fair treatment and greater equality of opportunities. 26/06/2023
Strong BTE growth pushes ARAG past £60 million mark

Leading legal expenses insurance and assistance provider ARAG has reported another positive result for 2022, the company’s 13th successive year in profit. During the year, the company’s overall gross written premium under management increased by 18.5% to £60.6 million (2021: £51.4 million), driven by strong growth in it’s before-the-event (BTE) legal expenses insurance and assistance business. 19/06/2023
ARAG UK take to the water

ARAG UK took to the water on Sunday (June 11th) as they took part in the Bristol Dragon Boat Race at Baltic Wharf. 16.06.23
Half-million tribunal backlog is nightmare for employers, employees alike

The latest data released by His Majesty’s Courts and Tribunal Service (HMCTS), for the final quarter of 2022, make grim reading for anyone who may have to use the employment tribunal system at any time in the foreseeable future. 23/05/2023
Brokers rank ARAG highly in Insurance Business list

We’re always looking for feedback to confirm that ARAG is heading in the right direction, and there are few better-placed to let us know how we’re doing than the brokers who experience our products and service on a daily basis. 18/05/2023
Understanding stress and breaking the worry cycle

Worrying and stress is a completely natural and normal part of life. However, worrying about lots of different things a lot of the time can leave you stuck in a vicious cycle of worry where your worries may start to feel uncontrollable, impact your behaviours and intrude on your day-to-day life. We also know this as anxiety. Our partner, Vita Health Group, has some tips on how to best break the cycle of worry. 06/04/2023
LASPO’s legacy is hard to isolate

When I was asked to share an insurer’s perspective on the decade that has passed since the implementation of the LASPO reforms in April 2013, I was tempted into asking ChatGPT or one of its rival artificial intelligence language models to do my homework for me. 28/03/2023
Cost of living crisis FAQ

People are getting increasingly worried about the cost-of-living crisis. We’ve witnessed inflation reach an all-time high, our weekly shopping bills have increased, and we’ve seen our energy bills shoot up dramatically too – and that’s despite the government’s domestic price cap.A big part of worry is the ‘unknown’ and we want to help reduce that. So, we’ve tackled important questions about the cost-of-living crisis head on in this article. 28/03/2023
DUAL Oliva and ARAG strike deal

ARAG has built a bespoke commercial legal protection solution for DUAL Oliva designed to meet the needs of the specialist MGA’s clients in the construction industry and beyond. 1/1/2022
SEIB picks ARAG for specialist motor breakdown services

SEIB Insurance Brokers Ltd has chosen ARAG to provide breakdown assistance cover to the broker’s diverse range of motor clients, including horsebox and horse trailer owners, members of the clergy, and private hire drivers. 21/03/2023
Half a million claims in broken tribunal system

The fundamental problems in the employment tribunal system exposed during the pandemic have not been resolved, according to analysis of the latest tribunal figures released by His Majesty’s Courts and Tribunal Service, last week. 20/03/2023
How exercise can help improve your sleep

A good night’s sleep is the foundation for good health. And yet, so many of us find it hard to fall and stay asleep. Around one in every three people in the UK is thought to suffer from insomnia (NHS).
Moore Barlow achieves £9m settlement using ARAG ATE policy

Last year, we passed a significant milestone when ARAG’s after-the-event policies had been used to help recover more than £2 billion in compensation, in more than 150,000 cases. While such huge numbers serve to illustrate the commitment ARAG has shown to the ATE sector and the experience we have built up over some 15 years, they can sometimes take the focus away from the many long and challenging individual cases that our solicitor partners pursue, often over several years. 07/03/2023
Dance v East Kent University Hospitals NHS Foundation Trust 2022

I read an interesting article, (my thanks to Paramount Legal Costs), on the case of Dance v East Kent University Hospitals NHS Foundation Trust 2022 which provides some useful points re recoverability of ATE premiums in Clinical Negligence (CN) cases, and which I will summarise - Hector Stamboulieh. 07/03/2023
Changes to CPR 44

The Civil Procedure Rule Committee has announced that certain critical amendments to the QOCS rules come into force for all PI/CN claims issued from 6 April 2023. 02/03/2023
Look after your family’s financial wellbeing during the cost-of-living crisis

British people are becoming more and more worried about the cost-of-living crisis. And sadly, it’s a worry that’s unlikely to go away anytime soon. With this in mind, here are seven ways you can take back control and begin to manage your family’s financial wellbeing this year. 03/03/2023
How to manage anxiety around spiralling energy costs

Aside from financial stress due to the cost of living being a common concern right now, one of the stressors many of us seem to be facing this winter is managing our anxiety due to the soaring costs of energy. Our partner, Vita Health Group, has again some tips. 17/02/2023
Six ways to improve your financial health in 2023

In recent months, debt charities have warned of a “new wave of people” being pushed into debt due to increasing rent costs and higher interest rates. Our partner, Vita Health Group, has some tips. 10/02/2023
Martyn’s Law - The Protect Duty

There have been more than a dozen serious terrorist incidents in the UK within the last six years, beginning with the 2017 London Bridge attack. In 2022, following the recommendations of inquests, inquiries, public consultation and campaigning, the Government released details for a ‘Protect Duty’ to be introduced into law across England, Wales, Scotland and Northern Ireland. 09/02/2023
ARAG launches on Acturis

Leading legal expenses and emergency assistance provider ARAG has made several of its most popular products available on the Acturis platform. The launch gives brokers access to ARAG’s family, commercial and property owners’ legal expenses insurance products, as well as its highly competitive home emergency offering, through the award-winning Acturis e-trading system. 07/02/2023
ATE for Personal Injury and Clinical Negligence

ATE for Personal Injury & Clinical Negligence 30/01/2023
What is legal expenses insurance?

Legal expenses insurance enables families, businesses, landlords and motorists to protect themselves from the cost of some common legal problems. 18/01/2023
Brew Monday and financial wellbeing

Get your finances back on track in January, managing debt, energy saving tips and cost anxiety, and check in on mental health on Brew Monday. 16/01/2023

News & Press

Please choose a category:

Tis the Season to be Wary

Takeaways from the Women in Insurance Summit

ARAG scoops ATE Funding Award

Women in Insurance Summit

Black Friday risks for SMEs

How to get financial stress under control

SMEs must beware Black Friday too

Talking Law Podcast featuring Emma Wilson and Lisa Abrahams

Day 1 Benefits

ARAG on the challenges still facing SMEs

How to help men open up about their worries

Building bespoke partnerships - Lanyon Bowdler

Understanding the link between mental and physical health

ARAG to provide hire car cover for Hastings Direct customers

Seasonal Affective Disorder (SAD)

On the road with ARAG ATE

Flexible solutions for difficult cases

Far from ‘fixed’ - changes to Fixed Recoverable Costs continue

ARAG DAY - supporting Bristol Law Centre

Adapting for justice

The RAG October 2023

Menopause and Mental Health

ARAG shortlisted for 3 more awards

ARAG DAY 2023

Our ARAG DAY partner - Bristol Law Centre

Getting ready for ARAG DAY

Supporting others and dealing with grief

Long, cold winter looms for SMEs

Back-to-school anxiety: How to help young people

What you need to know about Hives and Rosacea

Family-friendly policies and protection – changes you need to be aware of

Mole awareness: Non-melanoma and melanoma skin cancer explained

ARAGs Legal Services Website - Day-one Benefits

ARAGs EduMe Training Platform

ARAG - The Claims Portal

School’s out: A short guide to managing summer holiday stress

Reputation, reputation, reputation or anti-social media

LEI - how brokers can sell peace of mind

How to open up about your feelings

ARAG SE acquires D.A.S. UK

Tribunal compensation limits rise in 2023

LASPO 10 years on - ATE roundtable

How to take a digital detox to promote better mental health

How to look after your mental health at work

LASPO at 10

Extending access to justice against the tide

ARAG Day and Charity of the Year

All things digital

ACSO Whitepaper

The RAG July 2023

Right to Work checks – The consequences of getting it wrong

Government Consultation on holiday pay for part year and irregular hours workers

LGBTQIA+ in the workplace

Strong BTE growth pushes ARAG past £60 million mark

ARAG UK take to the water

Half-million tribunal backlog is nightmare for employers, employees alike

Brokers rank ARAG highly in Insurance Business list

Understanding stress and breaking the worry cycle

LASPO’s legacy is hard to isolate

Cost of living crisis FAQ

DUAL Oliva and ARAG strike deal

SEIB picks ARAG for specialist motor breakdown services

Half a million claims in broken tribunal system

How exercise can help improve your sleep

Moore Barlow achieves £9m settlement using ARAG ATE policy

Dance v East Kent University Hospitals NHS Foundation Trust 2022

Changes to CPR 44

Look after your family’s financial wellbeing during the cost-of-living crisis

How to manage anxiety around spiralling energy costs

Six ways to improve your financial health in 2023

Martyn’s Law - The Protect Duty

ARAG launches on Acturis

ATE for Personal Injury and Clinical Negligence

What is legal expenses insurance?

Brew Monday and financial wellbeing