Divorce Legal Solution
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Transcript of Divorce Legal Solution
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Who is ARAG?ARAG plc is a legal expenses and assistance insurance provider, operating
nationwide from our headquarters in Bristol. Our mission from the very
beginning has always been to enable every citizen to be able to assert theirlegal rights.
Our pioneering spirit has made us successful in an international market
environment. We are experts in advancing the concept of legal insurance with
innovative products and services, by understanding the many and varied legal
systems that exist.
ARAG is part of ARAG SE and recognised as a global leader, generating a
premium income of over 1.5 billion.
Our ethos is to work in partnership with our clients, listening to your
expectations. With ARAG, there is no need to put life on hold.
Reasons to choose Divorce Legal Solutions: a customer experience of individuality and empowerment
75 years of experience with origins in the field of legal protection
independent family company
award-winning innovative products
international presence
expert partner solicitors.
DLSPOS
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Divorce LegalSolutions
ARAG plc registered in England number 02585818. Registered address: 9 Whiteladies Road, Clifton, Bristol BS8 1NN.
ARAG is authorised and regulated by the Financial Conduct Authorityfirm registration number 452369.
AmTrust Europe Limited is authorised by thePrudential Regulation Authority and regulated by theFinancial
Conduct Authorityand Prudential Regulation Authority.This can be checked by visiting the FCA website at
www.fca.org.uk/register or by contacting the FCA on 0845 606 1234.
ARAG plc and AmTrust Europe Limited are covered by the Financial Ombudsman Service.
www.ARAG.co.uk
What happens if I have a complaint?We are committed to providing you with a first class service at all times. If, however,
you are not happy with any part of the service you have received then you should
initially contact the scheme manager:
0117 917 1561 (hours of operation are 9am-5pm, Monday to Friday
excluding bank holidays. For our mutual protection and our training
purposes, calls may be recorded).
ARAG plc, 9 Whiteladies Road, Clifton, Bristol, BS8 1NN
If a complaint remains unresolved, you may refer it to the Financial
Ombudsman Service (FOS) provided that it falls within their jurisdiction.
They can be contacted at:
0845 080 1800
Financial Ombudsman Service,
South Quay Plaza, 183 Marsh Wall, London, E14 9SR
The FOSs decision is binding upon the insurer, but the insured is free to reject it
without affecting their legal rights.
http://www.fca.org.uk/http://www.bankofengland.co.uk/PRA/Pages/default.aspxhttp://www.fca.org.uk/http://www.fca.org.uk/http://www.bankofengland.co.uk/PRA/Pages/default.aspxhttp://www.financial-ombudsman.org.uk/http://www.financial-ombudsman.org.uk/http://www.bankofengland.co.uk/PRA/Pages/default.aspxhttp://www.fca.org.uk/http://www.fca.org.uk/http://www.bankofengland.co.uk/PRA/Pages/default.aspxhttp://www.fca.org.uk/ -
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Significant Features& Benefits
Significant Exclusions orLimitations
WhereFound
The insurer will pay legalcosts & expenses up to100,000 as describedbelow for claims reportedduring the period ofinsurance.
The claim must be reported to your solicitorimmediately after you or your spouse becomingaware of the matrimonial breakdown.We must agree to appoint a solicitor; usuallythis will be the firm you instructed to draft your
nuptial agreement.
YOUR POLICY COVER4)
5)
1. MEDIATIONAttendance by you andyour spouse at a mediationassessment meeting andany subsequent mediationthat is assessed as beingsuitable.
You attempt mediation.
CONDITIONS WHICHAPPLY TO THIS POLICY1.d)
2. ISSUING ORRESPONDING TO APETITION
Costs incurred in drafting and filing a Statementof Arrangements for Children.Costs that are incurred as a result of youavoiding service of the petition or delaying thereturn of the Acknowledgement of Service.
What is not insured1)
2)
3. DIVORCEPROCEEDINGS TO FINALDECREE Matters concerning children under the Children
Act 1989 or any hearing regarding any childrenas ordered by a judge under the MatrimonialCauses Act 1973.
WHAT IS NOT COVEREDBY THIS POLICY4.
4. ANCILLARY RELIEFAND CHALLENGE TO YOURNUPTIAL AGREEMENT
The insurer will not cover: a claim unless your solicitor advises
you have a greater than 50% chance ofupholding your nuptial agreement and/or ofsucceeding in your claim;
10% of legal costs & expenses incurred afterthe failure of mediation;
a dispute with your spouse over the terms
of your nuptial agreement where divorce ordissolution is not contemplated;
a claim if your nuptial agreement is notreviewed within 6 months after the birthor adoption of a child or the incapacity ordisablement of you or your spouse resultingin unemployment for at least three monthsor any other event that significantly affectsyour wealth.
YOUR POLICY COVER7.
WHAT IS NOT COVEREDBY THIS POLICY2.
3.
CONDITIONS WHICHAPPLY TO THIS POLICY1.a)
Divorce Legal Solutions is only available ifyou are resident in England & Wales at thebeginning of the period of insurance.
MEANING OF WORDS &TERMSTerritorial Limit
The following table tells you about the main
features and limitations of your policy.
Divorce Legal SolutionsPolicy Summary
This summary does not contain the full terms and conditions of the
insurance contract; these can be found in the policy document.
Lets make it happen with DivorceLegal SolutionsNobody planning to get married or enter into a civil partnership
wishes to think that things may not work out. However, if you have
protected your financial assets by entering into a nuptial agreement
then the extra security of a Divorce Legal Solutions policy is a
natural addition.
Take out cover todayThis policy provides insurance against your legal costs and expenses
arising out of:
mediation
issuing or responding to a petition
divorce proceedings to final decree
ancillary relief and challenge to your nuptial agreement.
Claims procedureIf you have a claim, contact the solicitor that sold you this cover.
They will check that cover applies for your claim and provided that you are covered,
attempt mediation and then advise on the best course of action to follow.
Under no circumstances should you contact a solicitor that has not been approved
by us. The insurer will not pay the legal costs & expenses and it could stop you being
covered.
What happens if I change my mind after takingout the policy?The policy provides you with a 21 day reflection period in which to decide whether you
wish to continue. Cancellation is fully explained in condition 7 of the policy wording.
About us and your insurerARAG plc is authorised and regulated by the Financial Conduct Authority (firm
reference no. 452369) and is authorised to administer this insurance on behalf of
AmTrust Europe Limited who underwrite this policy. You can check this by visiting the
FCA website at www.fca.org.uk
What happens if the insurer cannot meet itsliabilities?AmTrust Europe Limited is covered by the Financial Services Compensation Scheme
(FSCS). You may be entitled to compensation of up to 90% of the cost of your claim
in the unlikely event that the Insurer cannot meet its obligations. Further information
about compensation scheme arrangements is available from the FSCS.
