SAIF Golden Charter

Members’ Legal Expenses Insurance

SAIF provides a comprehensive Legal Expenses Insurance policy for members, which is placed with Arag Insurance. As such, there are differing cover elements and services and each differ in terms of how to make claims and the limits and requirements in order to make that claim.

For ease of reference, we have prepared this article to serve as a guide for members.

The main benefits of the Legal Expenses policy are as follows –

Protection for legal costs arising from:

• Employment disputes and compensation awards
• Employment restrictive covenants
• Tax investigations and VAT disputes
• Legal nuisance, trespass or damage to property
• Legal defence
• Compliance and regulation
• Statutory licence appeals
• Loss of earnings
• Claims involving your executives
• Crisis communication

Cover

The limit provided under the policy is £100,000 for any one claim with an aggregate limit of £1,000,000 per annum for all Employment Compensation Awards in a policy year.

The policy also provides a range of Helpline Services and detailed below are the specific phone lines for each category:

Claims procedure

It is imperative that you let the insurers know immediately when you wish to make a claim and should you engage a solicitor or accountant without advising them then you will be liable for those costs.

Claims can be made by either going to this site or by calling them on 0330 303 1955 on weekdays between 9 and 5.

Requirements and obligations

There are differing facets of cover under the policy but it’s vital that members comply with the terms of the policy and notify claims immediately.

The claim must be in respect of your business that is covered under the policy, i.e. that of a funeral director that is a current member of the National Society of Allied and Independent Funeral Directors.

There must be a reasonable prospect of success with the claim. This is particularly important with regards to Employment Claims.

This document is not designed to be exhaustive but should provide an overview of the cover and the processes to follow. If you have any questions or concerns, please contact the SAIFInsure team on 0208 603 4194.