Legal expenses insurance is usually not worth the paper it is written on. This is because, even though you pay extra for this, your insurance company will only provide you with legal assistance where they believe there is a good chance of a successful claim, i.e. not only are you in the right, there money to be made out of the claim. This is effectively no different to using a "no win no fee" type solicitor on a private basis, so I gave up on paynig extra for legal cover a couple of years ago, having had it for many years.
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