Chamber Legal Expenses Policy Summary
Some important facts about your Chamber Legal Expenses Cover insurance are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to read the policy document to make sure you understand the cover it provides. When reviewing your policy it should be read in conjunction with your Policy Schedule.

Insurer : Groupama Insurance Company Limited, Groupama House,24-26 Minories, London. EC3N 1DE.
Coverholder : Composite Legal Expenses Limited, Suffolk House, Trade Street, Cardiff CF10 5DT.
Your cover is valid for one year.
Significant Features and Benefits
Significant and unusual exclusions or limitations
Relevant section in
the policy document
Legal Expenses Cover
This Policy covers legal and professional fees, costs and expenses up to £65,000 in connection with legal proceedings in respect of any of the following insured incidents:

1. Disputes with Employees. Defending actions brought by employees (e.g unfair or wrongful dismissal, redundancy, pension rights, etc).
2. Employment Awards. Providing Legal advice is followed your insurance will pay industrial tribunal awards.
3. Criminal Proceedings Defence Cover. The costs of defending your employees, directors or partners for prosecutions relating to your normal business activities.
4. Personal Injury. Pursuing a claim for damages for injury or death due to the negligience of a third party up to £65,000
5. Business Motoring. We will pursue the recovery of uninsured losses with legal fees cover up to £65,000 per incident following road accidents. Wherever possible in non-fault accidents we will provide replacement cars on a credit hire basis and also a credit repair service to assist the cash flow needs of your business. Cover limited to 4 designated vehicles.
6. Pursing or defending a consumer dispute for faulty good or services up to £1,000.
7. Jury Service and Court Attendance. Up to £100 per person per day (maximum £1000) for employees, directors or partners who have to attend a court or tribunal for a case covered by this insurance.
8. Proactive Assistance and Start-up Legal Fees. The provision of legal advice and a negotiating service by our Legal Helpline Service in respect of property legal protection and disputes with landlords.
9. Protection of Licences. Costs of appeal against altering, revoking or suspension of a statutory licence.
10. Data Protection Defence. Covers costs of defending civil proceedings against you under DPA and certain Appeals.
11. Property Legal Protection. Support is provided in respect of the pursuit of legal rights of your premises. It enables your business to pursue claims arising from negligent acts and omissions of others and to pursue liability for wrongful acts under the rule of Rylands v Fletcher (1868).
12. Disputes with Landlords. Costs incurred in representing your interests in disputes with landlords over business lease / tenancy.
13. Tax, VAT, PAYE, NIC Investigations including Inland Revenue Schedule D and Corporation Tax Investigation. Professional fees incurred with our consent.
This Policy does not cover:
  		•  An infringement of legal rights, which occurs within 90 days of the start of this policy.
  		• The first £1,000 of any claim (except Jury Service)
  		• Claims notified outside the Period of Insurance. You must notify us within 90 days of any circumstances that may give rise to a claim.
  		• Any claim which has not been notified via our Chamber Legal Helpline. Also any action taken by the insured that has not been approved by us via the Legal Helpline, which may give rise to a claim
  		• Under insured incident 1 any dispute where time of occurrence was within 90 days of the first period of insurance. Also any claim against you for personal injury to the claimant and/or loss or damage to his property.
  		• Under insured Incident 1 any dispute where you have failed to consult the Chamber Legal Helpline immediately upon becoming aware of the dispute or potential dispute or where you have failed to heed the written advice of a Panel Solicitor or where you have failed to follow the procedures prescribed by the Chamber Legal Helpline.
  		• Under insured incident 2 any dispute where time of occurrence was within 90 days of the first period of insurance. Also where the award is in respect of a redundancy or in the event of your breach of a fixed term contract.
  		• Under insured incident 3 any claim where prosecutions are diliberatley or intentionally solicited by you or involves violence by you (unless later aquitted) or you have pleaded guilty and/or admitted liability.
  		• Under insured incident 5 any claim which has not been made by submitting to us our claim form duly comleted and signed within 30 days of the occurence of the insured incident or any claim where it is deemed there are no prospects of success.
  		• Under insured incident 6 any dispute relating to any contract entered into by you in connection with a business other than the contract of your employment. Also in respect of any contract where the amount in dispute is less than £250 or where the amount was due or payable over 6 months before the time of the claim.
  		• Under insured incident 6 any contract where the disputes arises within the first 90 days of the period of insurance. Also any contract relating to work carried out for the benfit of land or buildings other than your home.
  		• Under insured incident 6 any settlement payable under an insurance policy. Also any incidents occuring as a result of defective products, goods or services.
  		• Under insured incident 7 the first 5 days of attendance at court for Jury Service.
  		• Under insured incident 9 costs in respect of an original application or or standard renewal.
  		• Under insured incident 12 costs in respect of disputes relating to rent and service charges and any relevant taxes or an Insured Event arising in the first 3 months of the first Period of Insurance.
  		• Under insured incident 13 professional fees relating to investigations or disputes notified or which start outside the period of insurance or any claim which occurs during the first 60 days of the first period of insurance. Also any Aspect Enquiries or any case involving criminal proceedings or fraud.
  		• Under insured incident 5 legal costs incurred unless an award is payable for unfair dismissal by an Industrial Tribunal
    		Terms and conditions of policy

    Chamber Legal Helpline
    We provide a 24 hour, seven days a week helpline service.

    		  Terms and conditions of policy

    Legal Advice Service
    We will give you confidential legal advice over the phone on any personal legal problem, under the laws of the United Kingdom.

    		  Terms and conditions of policy

      Making a Claim
          Call the Chamber Legal Adviseline on :
      0871 423 5239
      The following information will be required:
      a. Policy reference as above.
      b. Your name and address.
      c. The type of insured problem you are experiencing

    Complaints Procedure
    We hope that you will be happy with your insurance policy. If not, please contact us (or the intermediary or organisation that arranged this insurance on your behalf). If you decide not to proceed with this insurance you should return the Policy Documents within 14 days of receipt. Providing a claim has not been made and so long as no incidents have arisen that could result in a claim under the policy, we will refund any premium you have paid.

    In the event of a complaint arising under this Insurance, you should in the first instance write to:
    The Managing Director, Composite Legal Expenses Ltd, Suffolk House, Trade Street, Cardiff CF10 5DT.
    If the matter remains unresolved thereafter you can then write to the Insurers at:
    Groupama Insurance Company Limited, Groupama House, 24-26 Minories, London EC3N 1DE quoting the policy number and where the insurance was purchased.
    Finally, if the matter still remains unresolved once the above have been contacted, you can, subject to qualifying criteria, approach
    The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Tel: 0845 080180.
    Groupama Insurance Company Limited is authorised and regulated by the Financial Services Authority and is a member of the Association of British Insurers (ABI).
    You may be entitled to compensation from the Financial Services Compensation Scheme in the event that the insurer is unable to meet its liabilities.