Legal Protection Insurance

This insurance is available to members of HM Regular Armed Forces only.

PAX has arranged for one of the country’s leading firms of solicitors to give free advice about
your rights and prospects of receiving compensation, and ways of paying for any action needed
to claim compensation.

Cover is provided for up to £100,000 in respect of legal fees and expenses (regardless of the number of units purchased) if a member of HM Regular Armed Forces has a claim for compensation from an injury caused by a third party.

In respect of a valid claim a ‘conditional fee agreement’ with the PAX approved lawyer must be signed. This package applies for legal proceedings starting and being dealt with in courts within
the United Kingdom. Cover does not include war or allied events.

A full list of exclusions can be found in Part Four of the Terms and Conditions document but, in particular, cover does not apply for the following:

Any claim brought outside the United Kingdom

Any claim you knew about before you took out this insurance

Fines or other penalties

Any claim if you can get Legal Aid

Medical negligence claims, pharmaceutical or drug related claims, stress related claims, action taken by groups

Fees or expenses incurred by the appointed representative other than agreed disbursements

Claims arising from war or allied events

Any claim brought against any insurers of or intermediaries associated with the PAX Plan

Any legal expenses incurred without the Insurer’s consent.


A Legal Advice Helpline is available to give free legal advice on any subject within the laws
of England and Wales, Scotland and Northern Ireland. Simply call the Customer Service Centre Helpline and ask to be connected to the Legal Advice Helpline.

0800 212 480 (from the UK only)
+44 20 8662 8126 (from overseas)