Is landlord legal expenses cover worth it?

[ciccio]

Hi, I’m trying to keep my insurance cost down, without actually taking on too much of the liability.

I’m considering removing the landlord legal expenses which is an additional £30. When I read the policy details, and the hoops I need to jump through to get a claim pushed through, I’m not too sure I’d ever use it.

After all, the objective is to get the place sorted and rented out again.


What’s everybody else think?

[jr7]

Ciccio, I have found the same as you, when some insurers offer legal expenses, especially when they say it is included automatically, the policy has more get outs than a colander.
Important is not to skimp on your property cover. If you go for the cheapest, beware also the get-outs

[ciccio]

what about if its not included, and its a £30 uplift on the policy. Would you bother?

[jr7]

I have included it in the past but only when I read thoroughly through it.
I have not found a free one that gives the same cover as one you pay for.

[Lawcruncher]

If legal expenses insurance is a bolt-on you do need to look at it carefully. Ask yourself whether anything cheap can be much good.