LANDLORD’S LEGAL EXPENSES
This policy summary provides key information about Landlord’s Legal Expenses
which you should read. It does not contain the full terms and conditions of the policy
which can be found in the Landlord’s Legal Expenses policy wording.
Unless otherwise agreed with the person who sells you this insurance your cover will
be valid for one year.
Landlord’s Legal Expenses is a legal expenses insurance contract. It will help you by
providing legal advice and representation if you, have a legal dispute which is insured
under the policy.
The insurer is DAS Legal Expenses Insurance Company Ltd (“DAS”) and the
insurance has been arranged by Amicus Legal Ltd (“Amicus”). Amicus is the agent of
the insurer and has authority from the insurer to provide you with Landlord’s Legal
Expenses policy and act and make decisions on behalf of the insurer.
DAS and Amicus are authorised and regulated by the Financial Services Authority.
Features and benefits Significant exclusions and limitations Policy
In the areas below we will It must be more likely than not the insured Cover 1(d)
resolve an insured legal person will recover damages or make a
problem, either ourselves successful defence of their claim.
or through external
lawyers and other experts External costs are limited to £50,000 and
that we will appoint. this includes opponents’ costs. Cover 4
Costs incurred before Amicus agrees to
appoint a representative to help an insured Exclusion 2
Unless Amicus agrees to start court
proceedings or there is a conflict interest, Condition 2
Amicus is free to choose a representative
to help the insured person.
Property protection Insured
We will negotiate for the incident 1
insured person’s legal Any claim relating to: What is not
rights in a civil action for Any building or land not owned by you; or covered 1(i)
a dispute relating to your Someone legally taking an insured What is not
property which is owned person’s property from them, whether the covered
by you following: insured person is offered money or not, or 1(ii)
1) A legal nuisance; restrictions or controls placed on the
or insured person’s material property by any
2) A trespass. government, or public, or local authority
unless the claim is for accidental physical
Work done by any government, or public What is not
or local authority unless the claim is for covered
accidental physical damage. 1(iii)
A claim where the cause of action arises What is not
within the first 180 days from the start of covered 2
Defending a claim relating to an event that What is not
causes, or could cause, physical damage to covered 3
material property, but defending a counter
claim is covered.
Legal defence Insured
We will defend the incident 2
insured person’s legal Any claim relating to the insured person’s What is not
rights if an event leads to alleged dishonesty or alleged violent covered (i)
their prosecution for an behaviour.
offence connected with
the property under the Please in mitigation where there is no real What is not
following: prospect of a plea reducing the penalty. covered (ii)
(a) The Gas Safety
(Installation and Any claim where the insured person did
Use) Regulations not take reasonable steps to comply with What is not
1994; or the regulations listed in the left hand covered (iii)
(b) The Furniture and column.
(c) The Electrical
Helpine service Telephone
24/7 legal advice on any based legal
matter relating to your advice
United Kingdom, the Isle
of Man and the Channel
We can cancel this policy at any time as long as we tell you at least 14 days
beforehand. You can cancel this policy within 14 days of taking it out. After this you
can cancel it at anytime by telling the person who sells you this insurance, subject to
14 days notice of cancellation. You can ask the person that sells you this insurance
about getting a refund of premium if you cancel this policy.
Making a claim
You must give Amicus details of any claim as soon as possible and no more than 180
days after the insured incident happening. You can write to:
Claims Department, Amicus Legal Ltd, The Old Exchange, 64 West Stockwell Street,
Colchester, CO1 1HE. Alternatively, please telephone 01206 366500, or fax 01206
Once your claim has been accepted, Amicus will start to try to resolve your legal
How to make a complaint
If you have a complaint about our service or about a claim, please write to the Claims
Director, Amicus Legal Ltd, The Old Exchange, 64 West Stockwell Street,
Colchester, CO1 1HE. Complaints will be acknowledged within 5 business days of
receipt confirming the name of the person dealing with the matter and when a
response can be expected. We aim to provide a full written response within 20
business days unless the complaint is of such a nature that it needs more detailed
investigation. If this is case, we will advise you of the likely timescale.
If you are still not happy with the response you receive, you have the right to ask the
Financial Ombudsman Service to review your case within six months of the
company’s decision to investigate the complaint.
Financial Service Compensation Scheme
You may be entitled to compensation from the Financial Service Compensation
Scheme (FSCS) if the underwriters of this policy, DAS Legal Expenses Insurance
Company Ltd, cannot meet their obligations. This depends on the type of insurance
and the circumstances of the claim. Most insurance contracts are covered for 100% of
the first £2,000 and 90% of the remainder of the claims costs. You can get more
information about the compensation scheme from the FSCS.
The role of Amicus Legal Ltd
In arranging this type of insurance Amicus acts only for one insurer, DAS Legal
Expenses Insurance Company Ltd of DAS House, Quay Side, Temple Back, Bristol,
BS1 6NH. The law which applies to this insurance is English and the English
language will be used in all communications.
In administering claims under the insurance policy, Amicus acts on behalf of the
insurer. If a claim is accepted, a solicitor or other advisor will be appointed to act for
In some circumstances Amicus may provide legal advice to the insured, but only if
there is no conflict of interest between the insured and the insurer, or Amicus. These
1) Amicus provides a telephone legal advice service to insureds.
2) Amicus may engage in correspondence on behalf of insureds to pursue civil
claims against other parties, provided legal proceedings have not been issued.
In the event that a conflict arises between two people both insured through Amicus, or
between an insured and Amicus, or an insured and the insurer, then arrangements will
be made for separate representation.
Telephone calls may be monitored and recorded in the interests of customer service
and for training purposes.
Amicus Legal Ltd is not a solicitor’s practice.