Lexelle offers an extensive range of ancillary general insurance products. Our specialist area is the manufacture and distribution of legal expenses insurance products – in this blog we will cover details of the many live variants of these covers which include:

  • Family & Household Legal Expenses
  • Motor Legal Expenses Insurance
  • Landlords Legal Expenses Insurance
  • Commercial Legal Expenses Insurance

All of our products have recently been reviewed in line with the new Consumer Duty and are considered suitable for customers requiring legal expenses insurance in each of the categories of cover listed. That said, Lexelle is able to tailor products to meet specific market niches to ensure that cover distributed meets defined customer needs, so please contact us to discuss any such requirements. The wealth of legal experience available throughout the wider PM Group means that for the majority of products we have the in-house expertise to support both development and the delivery of a seamless claims service.

The ‘off the shelf’ products that Lexelle has available provide insurance for a range of cover levels to suit varying budgets. Further information for each category of cover is as follows.

Family & Household

As mentioned above, our range of Family Legal Expenses Insurance (FLEI) solutions is available with a variety of cover levels to provide cover for all family members living in the home. If you have a particular cover requirement or wish to tailor your product to a specific client base, Lexelle can help with a bespoke offering to meet these needs.

An example of policy covers under a typical FLEI policy include (but are not limited to) the following:

  • 24/7 Family Legal Advice Helpline
  • Employment Disputes
  • Contract Disputes
  • Property Protection including Boundary Disputes
  • Bodily Injury
  • Criminal Prosecution Defence
  • Tax Protection
  • Jury Service


Motor Legal Expenses Insurance covers the cost of pursuing legal rights in a range of motor-related circumstances. Following 2021 changes in legislation, our policy wordings have been updated to ensure that they continue to provide the protection customers expect.

The policy can be set up to cover a range of options including:

  • 24/7 Legal Advice Helpline
  • Personal Injury
  • Uninsured Loss Recovery
  • Motor Prosecution Defence
  • Motor Contract Disputes
  • Pothole Cover


Our Landlords Legal Expenses Insurance helps protect against legal costs where the tenant breaches the tenancy agreement.

The policy in brief provides cover as follows:

  • 24/7 Free Legal Advice Helpline
  • Legal Pursuit:
    • After an incident of physical damage to the property
    • In trying to get possession of the property following a breach of tenancy agreement
    • To evict anyone in the property that has not got permission to be there
    • To recover any rent the tenant owes for renting the property where at all possible
  • Legal Defence
  • Landlord Hotel Expenses

In addition to the Landlords Legal Expenses Insurance proposition, Lexelle offers cover to include ‘rent guarantee’ to protect the Landlord for lost rent following eviction of the tenant.


Legal disputes can arise even in the best run businesses, and they can result in substantial costs in terms of time and money. Lexelle’s Commercial Legal Expenses Insurance allows businesses to pursue their rights and defend their position in a range of business-related scenarios. Our policies are designed to suit all business needs starting from small businesses with a turnover of up to £250,000.

The policy cover in brief is as follows:

  • 24/7 Legal Advice Helpline
  • Employment Disputes including Compensation Awards
  • Service Occupancy
  • Legal Defence
  • Property Protection
  • Bodily Injury
  • Tax Protection
  • Contract Disputes
  • Debt Recovery

In addition to the above product overviews, Lexelle has developed further policies such as Tenants Legal Expenses Insurance and also legal expenses packages of cover for affinity partners for example.

For any more information on any of our products, why not contact us on:

Telephone: 0114 350 4107

Email: sayhi@lexelle.com

Or fill in our enquiry form here – https://lexelle.com/contact-us/

We’ll be happy to help!