Plenty of people have legal protection cover without knowing it – tucked into a motor package, in an old policy, inside a company scheme. Others know they have it but have no idea what it's actually worth. The review is for exactly this: mapping out what you have – before you need to buy anything or switch anything. With me, this is a free service; here's how it works.
- Step one is the inventory: where a legal protection element could be hiding – in a standalone policy, as an add-on, or in a membership scheme.
- Step two is content analysis: modules, limits, waiting periods, exclusions – the reality, not what you remember.
- Step three is fitting it to today: measured against your current exposure, this shows where the gaps and overlaps are – and whether you need to act at all.
Step 1: the inventory
Legal protection elements like to hide: as an add-on within a motor or home package, in workplace or professional-body schemes, in an old standalone policy. The review starts by getting everything out on the table: policies, policy terms, membership documents. A common discovery is that partial cover already exists somewhere – and, just as often, that what looked like cover turns out to be only a narrow assistance element.
Step 2: content analysis
We analyse whatever cover we find with the same comparison table used for new quotes: set of modules, limits, deductible, waiting-period status (which, for an old policy, works in your favour: the waiting periods have typically long since expired!), the rules on choice of lawyer and prospects assessment, exclusions. The result is the actual content – which often differs from what you remember from the conversation when you first signed up. Neither better nor worse than you thought: just accurate.
Step 3: fitting it to your life today
Content on its own is neutral – the question is whether it fits your exposure today: cover tailored to a life situation from years ago and today's reality typically have a gap between them. Fitting it can end in one of three ways. Everything's fine: what you have is good, and it stays – this is common too, and when it's the case, I say so plainly. Adjustment: the existing policy can be brought up to scratch with a modification – limit, module, who's covered. Switching: if the content-to-premium ratio is meaningfully better elsewhere – but only while respecting the rules on switching insurers: recognition of prior cover, a gap-free transition.
Why is it worth it even if it doesn't turn into business?
Because what the review actually produces isn't a policy, it's clarity: knowing precisely what you can count on in a dispute – and what you can't. That gives me a view of the market, and gives you a basis for decisions; there's no obligation in either direction. Experience shows that a significant share of reviews end with "everything's fine, just one or two adjustments".
Common question: "Isn't this awkward for my current broker or agent?"
One human factor holds many people back from getting a review: they feel that asking for a second opinion is disloyal to their existing broker or insurer. It's worth putting this in perspective: an insurance policy is a business relationship, in which an occasional market comparison isn't an insult, it's ordinary diligence – in just the same way people occasionally compare a banking offer or a service provider's pricing plan. A good broker knows this, and gladly carries out the annual check on request or when it's warranted. What's more, a review with me isn't a "poaching" exercise: if the existing policy is good, I say so in writing – roughly half of all outcomes go this way – and the client stays put, with more confidence than before. Loyalty is a fine thing – but your cover protects your family, not the sensitivities of a business relationship. Finding things out is a right, not a discourtesy.
A question tailored to your own situation? Book a free 20-minute consultation →
