Our household policies aim to protect your clients’ loved ones from a range of everyday occurrences.

Our specialist claims team is on hand to guide your client through the claim process from start to finish offering your clients a dedicated assistance and claims service featuring:

Personal Injury

Accidents can and do happen. That’s why MSL will pay the costs and expenses associated with the pursuit of legal proceedings in respect of any incident causing bodily injury to or death of an insured person – provided that the claim is the result of a sudden and specific incident.

Employment Disputes

If your client incurs costs and expenses in relation to the pursuit of legal proceedings arising from or relating to an insured person’s contract of employment as an employee, we will cover them.

Contract Disputes

MSL will pay the costs and expenses associated with the pursuit or defence of legal proceedings relating to an agreement or alleged agreement that an insured person has entered into in a personal capacity for the buying, selling or hiring of any goods or services – provided that the amount in dispute is more than £250.

Property Disputes

We will pay the costs and expenses associated with the pursuit or defence of legal proceedings relating to:

  • An incident which causes or could cause physical damage to your clients’ main home which is owned by them or for which they are legally responsible
  • Any unlawful interference of your clients’ use or enjoyment or right of their main home and the land on which their main home is situated
  • The landlord’s failure to maintain your clients’ main home
  • Any claim arising out of actual or alleged negligent advice, error or omission

Legal Defence

Any costs and expenses for defending an insured person’s rights relating to any prosecution in a criminal court arising from the sale or supply of privately owned goods will be covered by MSL.

Professional Negligence

MSL will pay the costs and expenses for the pursuit of legal proceedings relating to an agreement or alleged agreement that an insured person has entered into in a personal capacity with a solicitor, accountant, surveyor or architect, arising out of actual or alleged negligent advice, error or omission – provided that the amount in dispute is more than £250.

Court Attendance

For each day that an insured person is required to attend any Court or Tribunal at the request of an appointed representative, we will pay the actual loss of the salary or wages of an insured person for the time off work – provided that such salary or wages are not recoverable from the relevant Court, tribunal or other party.

Jury Service

For each day that an insured person is required to attend jury service in the United Kingdom, we will pay the actual loss of the salary or wages of an insured person for the time off work for jury service – provided that such salary or wages are not recoverable from the relevant court, tribunal or other party.

Tax Protection

We will pay the costs and expenses for representing an insured person in any appeal proceedings in the event of a full enquiry into the insured person’s personal tax affairs.

We will NOT pay for a) any claim relating to the tax affairs of a company or any claim if you are self-employed, are a sole trader or are in a business partnership; and b) any claim relating to a specific enquiry of a tax return.

Claims can be reported 24 hours a day, 365 days a year via our exclusive online broker portal, Connect, where you can also track the progress of a current claim.

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