Business Care Legal Expenses
Policy Summary & Key Facts
Some important facts about your Composite Legal Expenses 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 an aggregate limit of indemnity of £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 (optional). 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. Debt Recovery (optional). The costs of pursuing business debts including their enforcement in respect of the provision of goods and services, professional fees and dishonoured cheques. The monies excluding interest must exceed the sum of £250.
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.   Personal Injury. Pursuing a claim for damages for injury or death due to the negligence of a third party up to £65,000.
7.   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.
8.   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).
9.  Goods or Services Contract Disputes (optional). The business is supported in respect of disputes over the quality of goods or services sold or supplied, including enforcement .
10.   Tax, VAT, PAYE, NIC Investigations including Inland Revenue Schedule D and Corporation Tax Investigation. Professional fees incurred with our consent.
The policy does not cover:

•  An infringement of legal rights, which occurs within 90 days of the start of this policy.
•  Claims notified outside the Period of Insurance. You must notify us within 30 days of any circumstances that may give rise to a claim.
•  Any claim which has not been notified via our Commercial 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 Commercial 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 Commercial Legal Helpline.
•  Under insured incident 2 any dispute where time of occurrence was within 90 days of the first period of insurance. Also where t he 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 deliberately or intentionally solicited by you or involves dishonesty or violence by you (unless later acquitted) or where you have pleaded guilty and / or admitted liability.
•  Under insured incident 4 the first £150 of legal costs and expenses. Debts reported to the Insurer more than sixty days after the money became due and payable.
•  Under insured incident 5 any claim which have not been made by submitting to us our Claim Form duly completed and signed within 30 days of the occurrence of the Insured Incident or any claim where it is deemed that there are no reasonable prospects of success.
•  Any dispute or prosecution involving a motor vehicle unless the dispute relates to a personal injury claim.
•  Claims where you take action without first obtaining our agreement or cause delay or fail to give reasonable assistance to us.
•  Claims reported more than 30 days after the Insured Incident.
•  Any claim where legal costs are incurred without our authority.
•  Any matter in respect of which you are entitled to Legal Aid
•  Most types of dispute with local or national government authorities.
•  Under insured incident 9 any dispute relating to any contract entered into by you in connection with a business other than for your contract of employment. Also in respect of any contract where the amount in dispute is less than £1000
•  Under insured incident 9 the first £250 of legal costs and expenses.
•  Under insured incident 10 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 less than £100 or more than £1000 or any case involving criminal proceedings or fraud.
 Terms and conditions of policy

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

Terms and conditions of policy
Making a Claim Call the claims helpline on:
 0871 423 5244

The following information will be required:

a. Policy reference on your policy form.
b. Your name and address.
c. The type of insured problem you are experiencing
Complaints Procedure
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.
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, wewill refund any premium you have paid.