Reader Question: I receive a lot of cold calls about protection juridique. What is this and do most people have it?
Firstly, it is generally advisable to speak to your own insurer about products and services rather than cold callers, before deciding on making such a purchase.
It could be that protection juridique is already included with your existing policies, as it is fairly common.
Protection juridique is an insurance that grants access to support in the case of legal problems, including disputes between neighbours or with a business or, for example, if you are facing a divorce.
It provides help from a specialist legal service, either by telephone, email or post, as well as payment of costs, such as lawyers’ fees, a bailiff’s report and court costs.
It is not mandatory but it is included in many home and car insurance policies. Check your own cover or ask your insurer if that is the case or to add it, if necessary.
Standalone cover exists
Although it often exists as part of a package, you can also take out a standalone protection juridique policy which, depending on the contract, might offer a wider range of cover.
The cover could help with issues such as a property purchase dispute, problems with an internet service provider, or disputes with someone you employ at home.
Whichever form you choose, ask your insurer to explain it carefully to you so you understand any restrictions included.