What does legal protection cover in Australia depends on whether it is motor legal protection add-on to car insurance, business legal expense insurance, or personal legal expense insurance. Motor legal protection, which costs $5 to $15 per month extra with car insurance from NRMA, Allianz and Budget Direct, covers legal costs to recover uninsured losses after not-at-fault accident, such as excess recovery, hire car costs, loss of earnings, and personal injury legal advice, up to $5,000 to $10,000. Business legal expense insurance covers legal costs for employment disputes like unfair dismissal claims, tax audit defence, contract disputes, property disputes, and debt recovery, up to $100,000 to $500,000, costing $30 to $100 per month for small business. Personal legal expense insurance covers legal costs for employment disputes, criminal defence for minor matters, family law initial advice, tenancy disputes, consumer disputes and wills, up to $20,000 to $50,000, costing $15 to $40 per month. It does not cover fines, drink driving, divorce property settlement fully, or matters you knew about before policy started. Union legal cover via union membership covers employment law and workers compensation free. Home building legal cover covers disputes with builder. So legal protection covers legal fees, solicitor costs, barrister fees, court costs and sometimes compensation, but excludes deliberate criminal acts, family violence, and pre-existing disputes.
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