Enhanced Legal Expenses Insurance

Intermediate and Advanced members of the Forum of Private Business have legal expenses insurance included as standard within their membership packages but it is possible for members to upgrade their legal expenses insurance at any time to obtain cover for the following:
  • Tax investigations (aspect enquiries)
  • Contract disputes
  • Debt recovery
  • Restrictive covenants
  • Motor disputes
  • Insolvency fees

Benefits of cover

Tax investigations (aspect enquiries)

The protection provided under the Forum’s standard legal expenses insurance policy is enhanced by the addition of cover in respect of HM Revenue & Customs (HMRC) aspect enquiries. Cover under this section is extended to indemnify you against professional fees incurred in defence of an HMRC investigation into one or more specific aspects of your self-assessment tax return. This cover allows you to choose whether you are represented by your own accountant (subject to insurers’ acceptance) or by Qdos in the event of a tax enquiry.

Contract disputes

Covers the pursuit or defence of legal proceedings made by or brought against you in a contractual dispute relating to a contract for the sale or hire of goods, or a contract for the supply of a service.

Debt recovery

Covers the pursuit of legal proceedings arising from a dispute with a customer in respect of an uncontested debt that arises from the sale or provision of goods or services.

Restrictive covenants

Covers the cost of pursuit of legal proceedings against an employee or former employee of the insured who has breached restrictions contained within their written contract of employment.

Motor disputes

Covers the costs of pursuit or defence of legal proceedings between you and a customer or supplier relating to the hire, purchase, lease, service, repair or test of a motor vehicle for which you are legally responsible, and any pursuit by you to recover damages following a road traffic accident.

Insolvency fees

Covers the fees of an insolvency practitioner where you have insufficient assets to cover such fees. 

Please refer to the key facts document and policy wording below for the full terms and conditions of our Tax Enquiry Insurance policy.

Premiums

The premium applicable for our Enhanced Legal Expenses Insurance product vary depending on the number of employees in your business.

The table below shows the gross annual premiums (inclusive of Insurance Premium Tax):

Number of employees Gross premium
(incl IPT)
0 to 5 £109.44
6 to 11 £142.78
12 to 24 £166.11 
25 to 49 £220.00
50 to 99 £328.89
100 to 199 £708.89
200 or more  P.O.A.

Sample policy documents

How to buy...

1. Download a copy of the FPB Enhanced Legal Expenses Proposal Form (available from the download list above) 

2. Send your completed form to: insurance@qdosunderwriting.com

or by post to:

Underwriting Department
Qdos Broker & Underwriting Services Limited
Qdos Court
Rossendale Road
Earl Shilton
Leicestershire
LE9 7LY

If you have any queries regarding the policy cover please contact us at the email address above, or by calling 01455 852061.