I have an ongoing ET claim for unfair dismissal, failure to make reasonable adjustments and disability discrimination.
I have, however, run into some difficulties trying the claim on my house insurance’s legal cover.
I have been refused cover on the grounds that my claim is out of time.
May 2010 – Injury
July 2011 – Home Insurance Policy started including legal cover
Dec 2011 – Dismissal
March 2012 – ET1 accepted
July 2012 – Legal cover claim (within time of policy)
The letter I received says “ As the incidents giving rise to your claim occurred prior to the date when the policy first came into force, the claim would not be covered under your policy”.
I understand what they are saying, but surely, if my dismissal and ET falls within the policy period, that is the basis of my claim.
Can anyone help me formulate a response for them to reconsider their decision?
Legal cover/solicitor wise, I do remember reading here a little while ago about if your case is not assessed as more than 51% probability, you can take it to adjudication by a barrister. Forget what it’s called exactly. Is there an equivalent process ?
Thanks in advance