Composite Legal Expenses

Awful! Still an on- going case, they didn't want to support me in a unfair dismissal. After I spent 6800 of my own money on a lawyer they then decided my case was worth while. They only agreed to pay my lawyer half of what's agreed on my policy and 6 weeks on they still haven't paid my lawyer, which means I haven't received ANY of my compensation money! 5 day email response time which is ridiculous. The man that has been dealing with my case has told me 3 times now that the money will be released. and it hasn't

The most appalling example of so called legal cover that you trust will help you when you desperately need it but that turns out to only be interested in finding any and all reasons to deny your cover by finding the most ridiculous reasons that effectively means you'll never be able to comply and be covered as a landlord! This so called cover is literally worthless, avoid like the plague!

Critical: Quality, Value Absolute scam of a company, do not use. They are "legal cover for Aviva" and they will find whatever reason not to represent you. Avoid like the plague.

Apparently I should of preempted the property defects on my new build home. just in case there was a breach of contract. Arrogant staff, who talk down to you, offer no respect and refuse to escalate a call for a Managers opinion. Avoid like the plague

Critical: Professionalism, Quality, Responsiveness, Value Phoned on several occasions but nobody seems to be at there desk, I was told my claim was marked as urgent just to find out its not on my file as urgent why nationwide has anythink to do with these people I will never understand, looks like I'm going to lose my unfair dismissal case because of there poor service

AVOID AT ALL COST-2 MANY REASONS TO LIST. LIED THROUGHOUT, BEYOND INCOMPETENT, BROKE MANY FCA RULES, MANAGER IGNORES & LIES TRYING TO EXCUSE & COVER EVERYTHING I say here I have written evidence for & more evidence from solicitor. Emails from solicitor proving they lied to me repeatedly, lied to solicitor, blamed me for delay also confirmed in writing from solicitor.

Have level of intellect to lie pretending to be the solicitor & assume could say/talk like a solicitor & I'd not know solicitor wouldn't say what he did. Don't know basics of job - repeatedly told me I couldn't use my own solicitor for mths. Ignored ALL emails for a mth, refused to answer questions. Lied to solicitor blaming me for delay when delay due to last sentence. Lied trying to tell me I'd not sent emails after I sent them their acknowledgement of my email.

Even lied at start telling me the solicitor had said something when they'd not even given solicitor my file, confirmed by solicitor in writing. Deliberately caused me as much stress as possible knowing I was dealing with very severe stress & a horrendous situation. DISGRACEFUL & SHAMEFUL COMPANY. USE YOUR OWN SOLICITOR TO AVOID THEM MESSING UP YOUR CASE & WASTING MONTHS EVEN IF A 500 XS APPLIES. SOLICITOR THEY MAKE PEOPLE USE HAVE MANY REVIEWS THIS BAD TOO

Absolutely astounded at the total lack of diligence, attention, focus & qualification of this company. I've paid for a Premium Contents insurance for >4 years which included legal cover which I hoped would never need to used. Unfortunately I was in need of claiming on my policy, following a 2-year, legally-advised situation (advice that I paid for privately, but are not attempting to claim for) by a partner at a law firm, who I hired.

Initially Arc made all the right noises and appeared to be very helpful. However, after spending almost a WEEK uploading TWO YEARS' worth of supporting evidence (including solicitor correspondence), it took Arc 3 weeks & countless excuses to do nothing more than skim read, & pick out entirely irrelevant information in just 2 paragraphs - & that was ALL incorrect too. 2 years' worth of supporting, legally-advised (and directly involved) documentation which was never properly assessed, was answered with a 1-page 'no we won't cover this claim', citing - frankly - gibberish, and stating that the qualified law firm partner is wrong and their junior assessor is right (!).

I am now having to additionally pay for a barrister to tell them why they haven't done their jobs, and my attempt at a formal complaint was met with Arc accusing me of "not following our complaints procedure" in a further attempt to invalidate this clearly merited case, just to avoid paying tribunal costs. I have no other option but to report this company to the FCA because they have inferred that my (firm partner) legal council of 2 years has misled me, and are also refusing to accept my Barristers' (retained by our solicitor to neutrally review the case too) assessment because they claim only their own solicitors' assessments are ever correct & valid. Conveniently. Interestingly, when challenged by being asked which solicitors they used (they claimed they 'outsource' assessments because they're "just an insurer & not qualified"), they stated that they will not disclose that information.

At a time when I needed to be able to call on my legal insurance to help me, they've left me standing entirely alone and worse yet, siding with the defence on nonsense. One wonders who Arc are supposed to be representing because it seems to me that this company gladly cashes in on customer policy money then leaves people high & dry. My case is 100% solid.

If you have legal cover in your insurance policy I highly recommend you check who provides that cover and if it's Arc, find another policy because they're just as dishonest as whoever you're legally holding to account.

Employment insurance that apparently doesn't cover redundancy shysters. I have emailed the address below and shall update here if i get a more positive response. I was made redundant alongside 400 other employees by my employer and an taking them to employment tribunal for a protective award. This company although claiming it covers Employment disputes will not cover my individual Employment Tribunal.

So im not really sure at what point this legal cover for Employment Disputes would actually be usable in any format. Hopefully they will agree after my email in response to their comment below but judging by the responses below i won't hold my breath. I'll also report them to my home insurer as they are currently providing no service when your expecting to be covered.

Avoid like the plague, i have taken out approx 10 of these rent insurance policies, gone to make my first ever claim and its like pushing water uphill, i have also just read the t&cs and omg its a horror story, all against the policy holder and i am sure some of the terms are illegal, i.e you have had to accept the full deposit and rent 120 days before they move in, what tenant pays a landlord or letting agent 4 months in advance of moving in!, plus you are not covered for the first 3 months! i could go on and on, save your money and go elsewhere and these cowboys should be shut down.

I regret that I am insured by these guys. Take ages to reply IF you get one. DAS would have done a quicker job at DECIDING on a claim. Not sure what takes so long to help paying customers in tough situations.

Do not take out Legal Expenses cover with your Insurance Company, it is just a SCAM, none of these Legal Expenses Insurance Companies will help you, it is basically a Proceeds of Crime and Money Laundering Scam, they take your money, and deny all claims. I had a case with ARC Legal years ago, they tried to deny my claim, then challenged them, they then sent it to one of their crooked panel of Solicitors that said I did not have a 51% chance of success, but this Solicitor was in England, I live in Scotland and my claim comes under Scottish Law which is different from English Law, and the English Solicitor had no expertise or qualifications in Scottish Law and was not a member of the Scottish Law Society.

So this was basically the Proceeds of Crime and Money Laundering, defeating my claim by using a Solicitor that had no expertise in Scottish Law, then I contacted the Corrupt Insurance Ombudsman, they are set up to help Crooked Insurance Companies, after almost two yeas of dealing with the corrupt Ombudsman and Arc Legal the Ombudsman ordered Arc Legal to pay me out my claim of just over 600.00.

Which was then paid to me by the Insurance Company I had taken out my Legal Expenses Policy with, remember your Insurance Company does not tell you who is operating your Legal Expenses part of your Policy unless you ask them, most people think it is your Insurance company, but most are contracted out to Crooked Legal Expenses Companies like Arc Legal.

I see that most of the comments about Arc Legal are Negative. It would be interesting to get statistics on how many cases are sent to ARC Legal and how many they refuse, has anyone had a successful outcome from Arc Legal that they can advise us about, giving us the case Reference any Court reference and the sum they received.