PCG has�arranged a Personal Legal Expenses insurance policy for the benefit of Quality Umbrella�members 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 PCG�Quality Umbrella�members. 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 �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�s 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�s 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 �300 per day for 10 days (i.e. �3,000).
  

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