Legal expenses insurance can play a vital role in maintaining access to justice and should be promoted more, according to the Association of Consumer Support Organisations (ACSO).
ACSO’s report ‘A force for social good’, sponsored by insurer Arag and law firm Lyons Davidson, highlighted that legal expenses insurance products provide a wider range of cover today than when first introduced 50 years ago. It noted this insurance is used by tens of millions of people and hundreds of thousands of businesses.
While the ‘prospects of success’ clause can sometimes be contentious, insurance ensures cases have merit and keeps premiums affordable. Moreover, legal advice helplines provided by insurers are ‘highly efficient systems’ for identifying legal need and directing consumers to appropriate sources of help, while counselling helplines help thousands of people each year.
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