Forum of Private Business Enhanced Legal Expenses Insurance
For an additional premium you are able to upgrade the legal expenses insurance provided as part of your Forum of Private Business membership to our Enhanced Legal Expenses Insurance, which provides the following covers:
Tax Protection – Aspect Enquiry Cover
The protection provided under the Forum's Legal Expenses Policy is enhanced by the addition of cover in respect of Aspect Enquiries.
Cover under this section is extended to indemnify the insured against professional fees incurred in defence of an HMRC investigation into one or more specific aspects of the insured’s self-assessment tax return.
The Forum's Enhanced Legal Expenses Insurance Policy allows the insured to choose whether they are represented by their own accountant (subject to insurers’ acceptance) or by Qdos in the event of a tax enquiry.
Debt Recovery
Covers the pursuit of legal proceedings arising from a dispute with a customer in respect of an uncontested debt that arises from the sale or provision of goods or services provided that:
• the amount in dispute exceeds £500
• the insured notifies the claim within three months of the debt becoming due and payable
• the insured has exhausted all reasonable credit control and accounting procedures
• the insurer is satisfied that the defendant has sufficient assets to satisfy any judgment debt
The maximum number of claims that can be notified under this section of cover during the period of insurance is limited to five.
Contract Cover
Covers the pursuit or defence of legal proceedings made by or brought against the insured in a contractual dispute relating to a contract for the sale or hire of goods or a contract for the supply of a service, provided that:
• the amount in dispute exceeds £1000
• the cost of such a dispute or defence is limited to 75% of the amount in dispute
Restrictive Covenants
Covers the cost of pursuit of legal proceedings against an employee or former employee of the insured who has breached restrictions contained within their written contract of employment.
Motor disputes
Covers the costs of pursuit or defence of legal proceedings between the insured and a customer or supplier relating to the hire, purchase, lease, service, repair or test of a motor vehicle for which the insured is legally responsible, and any pursuit by the insured to recover damages following a road traffic accident.
Insolvency fees
Covers the fees of an insolvency practitioner where the insured has insufficient assets to cover such fees. Cover is limited to a maximum of 50% of fees in the event of personal insolvency and £10,000 in the case of limited company insolvency.
Click here to view the Key Facts document
Click here to view the full Enhanced Legal Expenses Insurance Policy Wording
How much does it cost?
| Rating band | Gross Premium |
| Businesses with up to 5 employees | £109.44 |
| Businesses with 6 to 11 employees | £142.78 |
| Businesses with 12 to 24 employees | £166.11 |
| Businesses with 25 to 49 employees | £220.00 |
| Businesses with 50 to 99 employees | £328.89 |
| Businesses with 100 to 199 employees | £708.89 |
All prices are gross including insurance premium tax at 5%.
How to apply...
The Forum's Enhanced Legal Expenses Insurance is now available from our online shop. Please click here to visit the shop and apply online.
Once you have added the Forum's Enhanced Legal Expenses Insurance to your shopping basket you will be required to register for an account. Once registered you will be asked to complete a short application form. Our system will provide a quotation based on the answers you provide in the application and will give you the opportunity to pay online, over the phone, or by cheque.
As soon as your premium has been paid your policy documents will be available to download from your account.
Alternatively, you may apply for the Forum's Enhanced Legal Expenses Insurance by completing and returning the proposal form below to:
Underwriting Department
Qdos Broker & Underwriting Services Limited
Qdos Court
Rossendale Road
Earl Shilton
Leicestershire
LE9 7LY
Click here to download the Forum's Enhanced Legal Expenses Proposal Form
If you have any queries regarding this product or the application process please contact us on 01455 852061.