Key Restrictions
(Please refer to policy wording for full terms and conditions):
- Electricity failure of at least one circuit
- Loss of the only keys to the property and for house keys only
- Up to £250 for Accommodation if the emergency cannot be resolved in a safe enough manner
Key Exclusions
(Please refer to policy wording for full terms and conditions):
- External drains and pipes
- Replacement water tanks and radiators
- Electricity to Alarms
- External lighting and security camera
- Window locks and internal doors
- Keys to internal doors, garages and outbuilding
- Pest infestations not directly affecting the living areas
- Damage to flat roofs over 10 years old
- Claims within the first 30 days of the insurance policy

Family Legal Cover and ID Theft Assistance

This policy is designed to cover the costs of legal and professional fees acquired by the insured person including exposure to Identity Theft. The cover:

Personal Injury

Consumer Disputes

Home Rights

Taxation

Employment

Criminal Prosecution Defence

Education

Probate

Jury Service Expenses

Identity Theft

Key Restrictions
(Please refer to the policy wording for full terms and conditions):
- Professional Fees may be limited if there is no reasonable prospect of success;
- Claims must be reported in 30 days;
- Claims limit of £50,000 any one claim any one period of insurance;
- Claim limit of £5,000 for education appeals.
Key Exclusions
(Please refer to the policy wording for full terms and conditions):
- Any costs, expenses or losses due to fraudulent actions made by the policyholder or in connection with the policyholder;
- Costs incurred before contacting the helpline are not covered
- Personal Injury claims involving medical or clinical negligence, or pharmaceutical or any related claims (including but not limited to tobacco products)
- Consumer Dispute and Home Rights claims with local or government authorities;
- Aspect Enquiries less than £100;
- Employment claims where the dispute arises within the first 90 days of the first period of Insurance unless you can provide evidence that you had equivalent cover immediately prior to the original inception of this policy without a break in the period of cover;
- Criminal Prosecution defence of any offence of deliberate and willful criminal acts or omissions;
- Criminal Prosecution defence of any offence relating to a motorbike/vehicle;
- The first 5 days of Jury Service;
- Excludes ID theft connected with the policyholder’s business, profession or occupation.

Claims

Customers must contact the claims helpline in order to claims and advise them they are insured through Call Wiser and provide the details of the issue.

Claims line: 0800 276 1035

Customers must contact the claims helpline in order to claims and advise them they are insured through Call Wiser and provide the details of the issue.

Legal Claims Notification & Advice Helpline Service Number:
0800 2761036

Tax Claims Notification Service:
0800 2761037

Tax Advice Helpline Service:
0800 2761038

Identity Theft Claims Notification & Advice Helpline Service:
0800 2761039

Identity Theft Website: www.actionfraud.police.uk/fraud_protection/identity_fraud

Online Legal Resources Database: www.irwinmitchell.com/business/commoditised-services/products-and-services/legal-advice-helplines

Frequently Asked Questions

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