I hate to be the bearer of bad news but I think you will find you legal expenses insurance to be useless as it probably excludes action against banks or insurance companies hence my petition at the official government petitions website headed Make it illegal to exclude Legal Expenses cover against Financial Institutions Family legal expenses policies commonly sold by insurance companies as an add on for about £30 specifically exclude taking any legal action against any insurance company or bank for any insurance contract, savings, pension or investment policy. This should be outlawed as an unfair contract condition I cant put the link as I am new to this site and it will not allow me to.