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PCG hasarranged a Personal Legal Expenses insurance policy for the benefit of Quality Umbrellamembers which becomes effective after a qualifying period. The policy is held by the PCG, which is the only policyholder and only PCG has direct rights under the contract of insurance. These rights are held for the benefit of PCGQuality Umbrellamembers. Strict compliance with the terms and conditions is required if a member is to receive a benefit.
The following cover is included in the policy:
- Consumer Disputes (a 嚙250 minimum sum in dispute):
Where the individual is acting as a consumer and not in the course of business. The Policy does not cover any disputes arising from vehicles, their parts or accessories or disputes relating to land or buildings other than the home of the member.
- Property Disputes:
Pursuit of disputes regarding the Designated Member嚙編 home but excludes building works or repairs to your home or matters relating to the payment of rent or service charges.
- Criminal Prosecution:
Defence of criminal prosecutions, but excluding prosecutions alleging wrongful arrest, or pleas in mitigation other than where the member initially pleaded guilty.
- Personal Injury:
Pursuit of claims for compensation following a personal injury, but excluding disputes arising out of the use of a motor vehicle on a public highway.
- Employment Cover:
Pursuit of claims against the Designated Member嚙編 employer or ex-employer
- Jury Service Cover:
Loss of earnings as a result of jury service providing the court requires attendance or availability on specified days. The policy covers only claims or proceedings notified during the Period of Insurance and pays a maximum of 嚙300 per day for 10 days (i.e. 嚙3,000).
A claim can be made only by the Policyholder in connection with a Designated Member, who was the beneficiary of the PCG Quality Umbrella membership prior to the original notification of a claim under this policy. The policy comes intoeffect for the designated member only once Parasol has collected the first weekly/monthly administration deduction fee.
If the Designated Member ceases to be a member of the Policyholder prior to or during the course of any claim or proceedings, the Insurers reserve the right to deny or withdraw cover.
Sales enquiry line: 0800 583 6000
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