What is the normal indemnity limit for any one claim under the legal liability section of a home

Feedback insurance policy?

Your selected answer

50,000

Correct answer:
2,000,000

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Most insurers provide a maximum indemnity of 2,000,000 for any one event. If the claim involves an employee being injured or falling ill the limit is increased to 10,000,000.

Reference
IF6 Chapter 2 Section C A personal legal expenses insurance will normally cover legal costs arising from the pursuit of Feedback actions based on which of these torts? Select all correct answers.

Your selected answers

Trespass Nuisance Defamation (libel and slander)

Correct answer:
Nuisance Trespass Negligence

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Actions based on libel and slander are specifically excluded from cover. Actions based on the other torts are normally covered by the policy.

Reference
FIT Chapter 8 section G

Related Learning
Activity name Personal legal expenses insurance cover Details
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In which of these circumstances, would a personal legal expenses policy be able to provide Feedback assistance to an insured?

Your selected answer

Defending a motoring prosecution

Correct answer:
Defending a motoring prosecution

Feedback
A personal legal expenses policy provides cover for legal costs and expenses arising out of the need to seek legal advice or to pursue or defend a civil action. It will provide for legal proceedings to be defended involving the sale of privately owned goods and any motoring prosecution (but the cost of fines is not covered). It will not cover the legal costs of marital disputes and claims against family members will be excluded.

Reference
No reference. Within what timescale must a claim normally be reported to the insurer under a private motor Feedback legal expenses insurance for cover to apply?

Your selected answer

180 days after the insured event

Correct answer:
180 days after the insured event

Feedback
Insurers normally state that they will not provide cover in respect of any claim which is reported more than 180 days after the insured event.

Reference
No reference. The legal liability section of Jill's home insurance policy includes 'reverse damages' cover. This Feedback indemnifies the insured in respect of?

Your selected answer

The outstanding amount of a judgement in their favour made against a third party in respect of a personal or occupier's liability claim

Correct answer:
The outstanding amount of a judgement in their favour made against a third party in respect of a personal or occupier's liability claim

Feedback
This cover may be included as part of the legal liability section or provided as part of the legal expenses cover. It indemnifies the insured, or any member of their family, in respect of the outstanding amount of a judgement in their favour made against a third party in respect of a claim that would have been covered under their own legal liability insurance (i.e. a personal or occupier's liability claim). Usually three months must elapse after the judgement before an unpaid award will be met.

Reference

IF6 Chapter 2 Section C The legal liability cover under the buildings section of a home insurance policy normally Feedback protects?

Your selected answer

The insured and members of their family permanently residing with them

Correct answer:
The insured and members of their family permanently residing with them

Feedback
Indemnity is to the insured and all members of their family permanently residing with them.

Reference
IF6 Chapter 2 Section C A personal legal expenses insurance normally excludes contract disputes arising from?

Feedback

Your selected answer

The sale of goods by the insured

Correct answer:
The insured's business ventures

Feedback
The insurance cover normally excludes disputes arising from business contracts (other than contracts of employment).

Reference
IF6 Chapter 3 Section B

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Activity name Extensions of cover under a home insurance policy Details Completed

Which of these best describes the extent of cover that is normally provided under a personal Feedback legal expenses policy?

Your selected answer

Unlimited legal expenses cover for pursuing or defending personal injury actions and up to 250,000 cover per event for pursuing or defending property

Correct answer:
Up to 100,000 per event for legal expenses incurred in pursuing or defending civil actions or defending prescribed criminal proceedings

damage actions

Feedback
The insurance normally provides up to 100,000 of cover per event for legal expenses incurred in pursuing or defending civil actions and defending certain criminal proceedings (e.g. health and safety or motoring prosecutions).

Reference
FIT Chapter 8 section G

Related Learning
Activity name Personal legal expenses insurance cover Details
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A personal legal expenses insurance will normally cover legal costs arising from the pursuit of which, if any, of the following types of action? a) breach of contract; b) employment dispute; c) bodily injury compensation claim Feedback

Your selected answer

a) b) and c)

Correct answer:
a) b) and c)

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Legal costs which arise from all of these types of action are normally insured under the policy, although only certain types of contractual disputes are covered.

Reference
FIT Chapter 8 Section G

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Activity name Personal legal expenses insurance cover Details
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What is the main distinction between the legal liability cover provided as part of a home Feedback buildings policy and the cover provided as part of a home contents policy?

Your selected answer

The buildings policy requires the injury or damage to occur

Correct answer:
The buildings policy protects the owner's

in the period of insurance, while cover under the contents policy is on a 'claims made' basis

liability, while the contents policy protects the occupier's liability

Feedback
The main distinction between the two covers is that the buildings policy protects the insured's liability as owner of the property, while the contents policy protects their liability as occupier. In other respects, the scope of the cover is similar.