I was interested in a story posted through Legal Futures this week by one of our associates, legal expenses insurer ARAG, that it is introducing a prosecution defence policy (see more by clicking below).
A quick bit of internet searching indicates that there are few such offerings in the market. It is an add-on - I don't suppose ARAG really want to career criminals knocking on its door for standalone cover - but goes a small way to helping some people who find themselves facing criminal prosecution.
Legal expenses insurance is slowly moving beyond its core products - another top insurer, DAS, has its Everyday Legal product, which is as close as we have come to date to US-style pre-paid legal services by covering non-contentious work such as conveyancing as well as the more typical contentious areas of work.
I can't imagine the take-up of any standalone legal protection insurance (as opposed to an add-on to motor, home or commercial policies) has been amazing - it is still a big leap for most consumers to consider insuring against the need for legal assistance. But it is worth keeping an eye on how far insurance-backed models can go.
Legal expenses provider ARAG is offering an innovative Family Prosecution Defence policy to protect individuals accused of criminal offences. The new policy guarantees the right and freedom to have a defence in court.