What legal insurance covers in Australia, also called legal expenses insurance or 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 insurance covers solicitor fees $300 to $600 per hour, barrister $400 to $800, court costs $1K to $5K, mediation $500 to $2K and expert witnesses $1K to $3K for disputes. For example, if landlord has tenant default $10K rent and damage $20K, legal insurance covers $5K legal costs for eviction, tribunal and debt recovery. For employment dispute unfair dismissal, covers $10K tribunal costs. For property boundary dispute, covers $15K legal costs. For contract dispute with builder $30K, covers $10K legal costs. Legal insurance typically covers tenancy, employment, property, contract, tax audit $5K and motoring prosecution, but excludes family law, criminal, defamation and pre-existing disputes. Providers include Legal Protection Australia $300 per year for $50K cover, ARAG $250 per year. So legal insurance covers legal costs $10K to $50K for tenancy, employment, property and contract disputes, costing $200 to $400 per year, covering solicitor, court and mediation costs, but excludes family and criminal matters.
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