Churchill DLG Legal Insurance is a waste of money
Took out a legal expenses insurance with Churchill home insurance. Their legal insurance is run by DLG Legal Services. It is not worth the paper it is written on. In fact, it is worse than nothing because you only realise this when you need help the most.
They do just about everything under the sun not to cover qualifying incidents. For example, for breach of contract, they only cover the breach of those contracts signed after a policyholder taking out their policy with them.
If you take out a contract a day before the starting date of your policy with DLG, Churchill, you are not covered. For them, a policy holder should have envisaged the breach of contract when they entered one. So any breach of contract occurred during the policy is not relevant but when the contract became valid. There are other ridiculous exclusions like this in their policy.
Also, if there are several parties involved in the same matter, all contracts will be backdated to the one with the earliest date, i.e., a contract entered within the policy will be backdated to the one validated before the insurance policy for DLG to deny its liability under the cover.
I will ditch them now for good. Good luck to DLG employees and their underwriters.
DLG asked me to contact their complaint department and again it is waste of time. Their product is not fit for its purpose.
