Legal Protection Insurance
What is Aviva Legal Protection Insurance?
Should a serious legal problem occur in your workplace, such as employment tribunals or commercial contract disputes, your business may need legal support which may not be included in standard commercial insurance policies.
How could Aviva Legal Protection Insurance help my business?
- Legal costs protection – should your business face a serious legal problem, we could cover legal costs (including legal representation) in the event of a claim. Legal costs cover limits vary per product - refer to your policy schedule for more information.
- 24/7 specialist legal advice helpline Footnote [1] – whether you're facing a legal issue, or just require advice in relation to your business activities, you can consult with a team of legal experts whenever you need to.
- Specialist tax helpline – help your business get savvy on capital gains, corporation tax, payroll issues, VAT issues, inheritance tax and much more.
- Confidential counselling helpline – support for you and your members of staff if they need it. Counsellors can offer help with a range of concerns including stress, anxiety, depression and more.
- Online legal documents, guides and tools with Aviva Businesslaw – your business can use Aviva Businesslaw to quickly draft, duplicate, share, download and e-sign a range of legal documents including employment contracts, outstanding payments and health and safety templates, as well as HR management tools.
What is Aviva Businesslaw?
In addition to the 24/7 Helpline, all Aviva customers can use Aviva Businesslaw. This online service (provided by DAS Businesslaw and powered by Farillio) is built specifically to help businesses manage a wide range of business and legal issues.
Aviva Businesslaw contains a range of useful business and legal guides, document builders, interactive checklists and videos that can help you with the day-to-day running of your business, as well as helping you to manage exposure to legal risk.
The document builders help you quickly create documents such as HR policies; T&C documentation; privacy statements; landlord and tenant letters and agreements; copyright and trademark licenses; data protection policy; employee contracts; and debt recovery letters.
In addition, Aviva Businesslaw contains a range of regularly updated expert guides and videos on topics such as branding, crowdfunding, financial and tax planning, and marketing strategy to help build and grow your business.
Transcript for video Aviva Businesslaw
Welcome to your own Aviva Businesslaw powered by Farillio… where you will achieve your everyday business objectives, thanks to easy access to the essential information and core legal materials you need.
No matter where you are on your business journey, you can accomplish your objectives with simple-to-use digital tools, including step-by-step, how-to video tutorials, infographics, checklists and customisable legal document templates.
Your own personalised dashboard allows you to access all of your legal templates simply, enabling you to draft, duplicate, share, send and electronically sign legally binding agreements in just a few minutes.
Effortlessly search from hundreds of business and legal guides and get the key information you need to protect and grow your business.
Aviva Businesslaw offers a comprehensive suite of employment-related guides, templates, videos and checklists. Giving you all the know-how, you need from hiring your first employee to creating your own flexible working policies, to being there for you when you’re facing employment issues or managing the redundancy process.
Don’t know what to look for? Not a problem - integrated smart template selectors are there to help you find the most relevant template for you in just a few seconds.
All you need to do is answer a few questions and you will be directed to the most suitable template that best meets your needs. That’s how we get started.
Manage risks and stay on course, with your cash flow and your staff, even in difficult trading circumstances, with help from our insolvency guide.
These comprehensive multimedia guides are made with our expert partners – who are advisors of industry-leading brands… so you can be confident you’re getting accurate, up-to-date guidance.
From setting up your business, sharing trade secrets safely, and hiring your team, to making more sales, getting your Invoices paid, and pitching for Investment, you have business missions in mind. And whether extraordinary or everyday Aviva Businesslaw makes those missions achievable simply, quickly and affordably.
If at any stage you feel you need additional expertise, then as part of your insurance policy cover, you have unlimited 24/7* access to a helpline where you can talk to legal advisers on a range of issues free of charge. This includes: Employment law, Prosecutions, Discrimination in the workplace, Health & safety and European law, Tax and much more…
*Advice on the laws of England and Wales can be provided 24 hours a day, 365 days a year. Beyond this jurisdiction, or for very specialist legal matters, we will refer you to one of our specialist advisers. Specialist advice is provided 9am-5pm, Monday to Friday, excluding public and bank holidays
So, step away from the search engine…
All you need is already available in your Aviva Businesslaw account.
Aviva Businesslaw powered by Farillio - everyday solutions for small businesses.
How can I access Aviva Businesslaw?
- Visit avivabusinesslaw.farill.io;
- Type your voucher code (found within your policy documentation) into the ‘voucher code’ text box and then click ‘validate voucher’.
- Fill out your name and email address, create a password, and specify what type of business you have.
- Validate your email address by clicking the link in the confirmation email that you’ll receive.
I’m a Legal Protection Insurance customer and I have a legal question/problem - what next?
Simply follow the steps below.
| Seek advice Call the legal advice helpline at your earliest opportunity. A legal adviser will discuss the query with you and advise on next steps. | Decide how you wish to proceed Consider the advice provided. If you have legal expenses cover and want to claim, let DAS know. | Let us take control On receipt of your claim, DAS will assess it and let you know the next steps. |
Frequently asked legal questions
My policy
Will my policy cover any legal dispute?
The legal disputes covered by your policy are shown in the policy wording, to be read in conjunction with your policy schedule. However, the legal advice helpline is available to offer guidance on legal matters affecting your business even if it falls outside the scope of the legal expenses cover.
If I have a legal problem before my policy starts will this still be covered?
Anything that you’re aware of before the start of your policy is excluded.
What if I just want some standard employment advice?
You can call our legal advice team (using the number found in your policy documentation or via Aviva Businesslaw) at any time to discuss employment issues. This won’t impact your renewal premium/quotation. Alternatively, you can find comprehensive guides, videos and templates on almost any employment question on Aviva Businesslaw. Just follow the registration steps listed above.
Will I be able to choose my own solicitor?
In certain situations you could be entitled to choose you own representation. However, DAS-preferred lawyers are a more convenient option. They have expertise in specific claim areas and may have better rates, which helps your policy cover go further. All of the preferred law firms must comply with agreed service standard levels which are audited regularly. This ensures their decisions are completely impartial. In addition, DAS-preferred lawyers will understand legal expenses policies and have in depth experience of dealing with legal expenses insurance claims, which could help progress your claim faster.
Cost and fees
What do "legal costs" include?
This will include solicitors or barristers fees and charges for disbursements, not to mention the opponent’s costs should you lose and be liable to pay them.
What happens if my own solicitor begins work on my dispute before I notify you and I incur costs?
Any legal problems which started before the date your cover begins are excluded.
What happens if my legal costs exceed my limit of indemnity?
The limit of indemnity shown in your policy schedule is the maximum that would be paid out in the event of a claim. You’ll be informed if your case is likely to exceed the limit, and you will be responsible for any costs over the limit of indemnity.
I’m considering the unfortunate prospect of having to make some redundancies. When should I advise my legal expenses insurer?
It’s always strongly advised, and in certain cases a condition of the policy cover, that you seek legal advice from us as soon as possible to ensure the correct procedures are followed from the start.
Making a claim
If I speak to your legal advisors does this automatically trigger a claim?
No. If you call the legal advice helpline to discuss a problem that might lead to a claim, the legal advisor will support you with identifying whether you have a claim and advise you how best to register a claim, in most instances this will be to complete an online claim form.
What happens if I’m not happy with the way the appointed solicitor is dealing with my claim?
If there is a disagreement about the handling of a claim, you should contact your claims department, who will support you in resolving this issue. Alternatively, you can refer to the solicitors own complaint procedure.
Why might my claim end up being a negotiated settlement rather than going to court?
It’s often more beneficial for both parties to try and reach a settlement, rather than go to court. The majority of legal disputes are in fact settled by negotiation. We’ll always provide the most appropriate solution to your legal dispute, which may entail entering into negotiation as the fastest and most effective way of resolving things.
How can I make a complaint about my legal expenses cover?
If you have a complaint with any aspect of the service provided by DAS, including the Helpline and online tools or a claim, please contact:
Customer Relations Department
DAS Legal Expenses Insurance Company Limited
DAS Parc
Greenway Court
Bedwas
Caerphilly
CF83 8DW
Phone: 0344 893 9013*
E-mail: customerrelations@das.co.uk
Online: Complete an online complaint form at dasinsurance.co.uk/complaints
*Lines are open 24 hours a day. For uncommon and certain country-specific areas of law, you’ll be referred to specialist advisers available Monday to Friday, 9am-5pm, excl. bank holidays.
Costs of calls to 03 prefixed numbers are charged at national call rates (charges may vary depending on your network provider). These calls are usually included in inclusive minute plans from landlines and mobiles. For joint protection, we may record and/or monitor calls.
Contact us
Legal and Tax helpline
0345 300 1899
For information on Aviva policies please contact your usual insurance adviser.
Legal Claims Centre
0345 300 1899
Counselling Service
0117 934 2121
Lines are open 24 hours a day. For uncommon and certain country-specific areas of law, you’ll be referred to specialist advisers available Monday to Friday, 9am-5pm, excl. bank holidays.
Costs of calls to 01 and 03 prefixed numbers are charged at national call rates (charges may vary depending on your network provider). These calls are usually included in inclusive minute plans from landlines and mobiles. For joint protection, we may record and/or monitor calls.