Personal Legal Expense Coverage

LEC drivXP and LEC livXP are designed to protect you and your family.

Choose between $25,000 or $50,000 that can be used up to $100,000 per year.

Your Life Protected

LEC empowers you with access to justice and peace of mind to focus on what matters most.

Did you Know:

  • 55% of Canadians who accessed the legal system over the past 5 years did not have legal representation
  • The average hourly rate of an experienced lawyer is $407
  • The average cost of a 2 day civil trial is $31,330
  • The potential cost of a 2 day civil trial is $58,222
  • Complex employment disputes can cost up to $231,685 for a 7 day civil trial

Sources:

  • www.arag.ca
  • Canadian Lawyer Magazine Survey, June 2015

Canadians face a variety of legal risks on a daily basis. From substandard home renovations to unfair speeding tickets, legal issues can have a significant impact on family life and personal finances.

Legal Expense Insurance (LEI) is an insurance product that protects you in case of unforeseen legal events, such as contract disputes, legal defence, tax protection, and more.

The LEC drivXP and LEC livXP Legal Expense Insurance policies:

  • Protect you from costly legal expenses
  • Empower you to defend or pursue your legal rights
  • Provide you with unlimited access to general legal advice at any time

Protect you and your family, every step of the way. When you are faced with an insured legal issue, LEC drivXP and LEC livXP will cover your lawyer’s fees and legal costs, offering you peace of mind and access to justice when you need it most.

LEC drivXP and LEC livXP provides you the financial security to continue your legal action over time and against well-funded foes. It also includes unlimited access to general legal advice for any legal question, regardless of the issue is covered by your policy or not. Just like having a lawyer on retainer, advice is only a phone call away. We encourage you to call as often as needed. Gain confidence and peace of mind with LEC drivXP and LEC livXP.


LEC drivXP: Coverage Summary

LEC drivXP offers unlimited guidance and financial support in the following legal situations:

LEGAL DEFENCE

LEGAL DEFENCE

If you face prosecution for a highway traffic offence in connection to an insured automobile, or for an alleged criminal offence arising from your work as an employee.

Contract Disputes

Contract Disputes

If you face a dispute relating to the selling or buying of goods, the obtaining of services, or with a leasing company regarding the amounts due in connection to an insured automobile following a collision.

Legal Advice Helpline

Legal Advice Helpline

Unlimited access to general legal advice for any legal issue or question, even if it is not covered by the policy.


LEC livXP: Coverage Summary

LEC livXP features all the benefits of LEC drivXP plus more! Designed to protect you and your family, by offering unlimited guidance and financial support in the following legal situations:

LEGAL DEFENCE

LEGAL DEFENCE

If you face prosecution for a highway traffic offence in connection to an insured automobile, or for an alleged criminal offence arising from your work as an employee.

Contract Disputes

Contract Disputes

If you face a dispute relating to the selling or buying of goods, the obtaining of services.

Tax Protection

Tax Protection

If you face an audit or wish to appeal a decision relating to your personal tax affairs.

Legal Advice Helpline

Legal Advice Helpline

Unlimited access to general legal advice for any legal issue or question, even if it is not covered by the policy.

Employment Termination Consultation

Employment Termination Consultation

If you require consultation regarding termination package offers in lieu of notice or severance following the termination of your employment.


Conditions and Deductibles:

  • $1,000 minimum amount in dispute for any Contract Dispute claim
  • $500 deductible for any tax audit claim under the Tax Protection coverage
  • $10,000 limit for any tax audit or tax appeal claim under the Tax Protection coverage
Legal Expense
[The legal advice line] provides a fast response time, knowledge of issues that where explained in layman’s terms, plus given in a friendly manner.

– JACKSON

 

 

ENJOY 24 /7 GENERAL LEGAL SUPPORT

Every LEC policy also includes unlimited access to telephone legal advice for any legal question, whether the issue is covered by your policy or not. We encourage our policyholders to call as often as needed to gain confidence and peace of mind when faced with a potential legal situation.

PUT THE ADVANTAGE IN YOUR COURT WITHOUT A LEGAL BILL

Starting from as low as $179.00 per year
BUY NOW

* Coverage is subject to the terms, conditions, and exclusions of the policy. For full details of coverage, please read the LEC drivXP, LEC livXP and LECbusiness policy wording. Deductibles may apply. LEC is underwritten and claims managed by ARAG.