What legal expenses cover in Australia, also called legal protection insurance, covers legal costs $10K to $50K for disputes including tenancy, employment, property, contract, tax and motoring, costing $200 to $400 per year as add-on to home, landlord or car insurance. Legal expenses cover includes solicitor fees $350 to $500 per hour, barrister $400 to $800 per hour, court costs $1K to $5K, tribunal fees $500 to $2K, mediation and arbitration $500 to $2K, expert witnesses $1K to $3K and disbursements $500 for disputes. For example, if landlord has tenant default $10K rent and damage $20K, legal expenses cover $5K legal costs for eviction, tribunal and debt recovery. For employment dispute unfair dismissal, covers $10K tribunal costs and solicitor $5K to claim $20K compensation. For property boundary dispute, covers $15K legal costs for solicitor and surveyor. For contract dispute with builder $30K, covers $10K legal costs. For motoring, covers uninsured loss recovery $2K excess and hire car $1K after accident caused by other driver, and motoring prosecution defence $2K to $5K for speeding and dangerous driving. Typically covers tenancy, employment, property, contract, tax audit $5K and motoring prosecution, but excludes family law, criminal, defamation and pre-existing disputes. So legal expenses cover legal costs $10K to $50K for tenancy, employment, property, contract and motoring disputes, costing $200 to $400 per year.
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