KeyStone provides:

•up to £25,000 of the legal expenses costs per claim
•access to a 24 hour helpline
•access to In-House expertise to help in assessing and resolving disputes
•professional advice from appropriately experienced solicitors, barristers, employee vrelations rpractitioners and tax experts

Help from start to finish:

Helpline: If the policyholder becomes involved in a dispute and needs to take legal advice or action, the MSL 24 hour helpline on 0845 766 0213 is available for fast, friendly advice.

KeyStone cover:

Personal Accident: Provides legal costs and expenses for a personal accident (except motor accidents which are covered by our KeyStart policy), offering immediate access to our advice lines. If there are good grounds for making a compensation claim we also provide legal representation. The cover includes claims for personal injury, loss of income, damage to personal effects; and extends to fatal accidents, including representation at a Coroner’s inquest.

Consumer Cover: Provides legal costs and expenses when pursuing a liability claim arising from the policyholder’s contract to purchase personal goods or services. Also provides cover in the event that the policyholder sells goods (in a personal capacity) and a liability claim is made against them.

Domestic Cover: Provides legal costs and expenses when pursuing a liability claim following damage to the policyholder’s home resulting from faulty contractual work, or disputes arising from the sale and purchase of the policyholder’s home.

We may also be able to help in defending infringements of the policyholder’s legal rights originating from the ownership of their home, including boundary disputes.

Note: If the policyholder is a tenant they still have rights in their home and cover is available for claims against a landlord for failing to maintain the home.

Employment Cover: Provides legal costs and expenses in pursuing the policyholder’s rights under their contract of employment. A typical claim could arise from an unfair dismissal resulting in the policyholder’s livelihood and future family finances being severely affected.

Professional Negligence: Provides legal costs and expenses when pursuing a claim against lawyers, accountants and surveyors who have acted on the policyholder’s behalf and they have suffered a loss as a result of their poor advice or negligence. (Please note this cover applies only to the professions mentioned).

Inland Revenue Investigation: Provides legal costs and expenses in representing the policyholder’s legal rights arising from an in-depth investigation relating to their paid employment by the Inland Revenue.

Attendance Expenses: Provides loss of salary in respect of any absence from work when attending a court, tribunal or arbitration hearing as a witness or a defendant in relation to a claim under the policyholder’s Keystone policy.

Note: The value of any claim must exceed £250 and reasonable prospects of successfully pursuing a claim must exist. All the above is subject to terms, conditions and exclusions of the policy.

MSL’s KeyStone policy is underwritten by Financial & Legal Insurance Company Ltd who are incorporated in the U.K. Both MSL and Financial & Legal Insurance Company Ltd are authorised and regulated by the Financial Services Authority and are also members of the Financial Services Compensation Scheme and the Financial Ombudsman Service.