We have an issue with what will probably end up as a legal matter and are trying to work out if we should have cover under the leagl expenses element of our house insurance. I will not give the exact facts of the case but give an example of the point I would like the answer to.
Say the fence had fallen down between your house and a neighbours before the time you bought it. Nothing was done about it and no one had an issue with it. You bought the house and took out house insurance including legal expenses cover. Subsequent to that a dispute erupted to do with an issue about the fence having fallen down and it looked like it might get litiguous so you wanted legal expenses cover from your insurance.
Would the insurance company say you are not covered as the cause of the dispute predated your purchase of the house and the commencement of the insurance or would it be the date that the dispute commenced that is key (as there was no dispute prior to the commencement of the insurance) and therefore there should be cover.
I hope I have set this out clearly enough for you to understand. I do not really want to call the insurance company about this as they want your policy number etc to talk to you and if we are not covered we will not even discuss it with them.
I know some bright person will know the answer to this. Thanks very much.