VISION AND STRENGTH TO GUIDE YOU

WHEN INSIGHT, STRENGTH AND UNDERSTANDING  MATTER, CHOOSE DAS.

First for Justice since 1975, we lead the Legal Expenses market, promising safety and security to millions of policyholders. More than that, we provide peace of mind for our partners. An A-rated insurer with the strength and scale to deliver, and a focus on client understanding, means you can choose DAS with confidence.

THE SIZE AND STRENGTH TO DELIVERWe provide our business partners with in-depth insights and support, specialist teams and an impressive portfolio of products.

LEADING THE WAYAs the UK’s leading legal expenses insurer, we’ve been protecting individuals and business from the costs of legal action for nearly 40 years. Today, millions of individuals and hundreds of thousands of businesses enjoy the benefits of our expert legal advice and comprehensive protection.

DAS UK is an A-rated insurer with annual premium income of almost £180 million. DAS is part of the ERGO Group, one of Europe’s largest insurance groups with premium income in excess of €16 billion annually. The majority shareholder in ERGO is Munich RE, the world’s largest reinsurer.

We have more than 2,000 partnerships with over 8.5 million clients. 

1

FULL SERVICE LEGAL pROTECTION We are the largest Legal Expenses Insurance (LEI) provider in the UK. By adding DAS Law to our group in 2013 – following the granting of our Alternative Business Structure (ABS) – we built on this strength. Today, our wider legal services proposition brings even more value to you and your clients.

We can offer a truly holistic solution for all your clients’ legal needs.

2

FORWARD THINKING SO YOU STAY AHEAD We aim to be progressive in everything we do for our partners and their clients. We enhance our knowledge. We use insight. We build our expertise. We inspire a trust that builds lasting relationships. These are the values that run through everything we do, every day.

pROGRESSIVEWe make sure we stay one step ahead, adapting as the market evolves. You can be assured that what you offer your clients is relevant and insight based.

CONFIDENTEverything we do is clear and confident. We can help you better understand and provide specific products for your clients’ legal needs.

COLLABORATIVEWe take the time to build and maintain meaningful relationships. Collaboration with our business partners, combined with our expertise, enhances the products and services we develop. Making them more compelling for your clients.

TRUSTWORTHYWe are dedicated to ensuring that you and your clients fully understand our range of products and their benefits. The products we develop are accurate, transparent and up to date with changes in legislation and regulation, helping to protect your business reputation.

We’re proactive. We engage with our partners to provide the best possible solutions to their individual concerns, problems and needs.

CONSISTENT AND FAIRWe are committed to designing products, cover and communications that are clear and transparent. They must meet our partners’ expectations and be relevant to your clients’ needs. You can trust us to apply fairness in all our dealings with you and your clients.

3

FLEXIBLE SERVICES SO YOU CAN DO MOREOur dedicated Risk and Compliance team ensures that our business partners can access top quality services and products, while clients enjoy greater reassurance. As an A-rated insurer with extensive experience, our underwriting team offers consistent levels of efficiency and flexibility, helping you do more for your clients.

REVIEWS. RESEARCH. INSIGHTS.We want to ensure that our products respond to your clients’ changing needs. Our dedicated Risk and Compliance team focuses on providing information that is clear and fair. This is done through enhanced staff training, monitoring sales management information, conducting pre and post point-of-sale quality reviews, and overseeing marketing communications and product development.

Our strength and scale has enabled us to invest in building an expert team of insight analysts and professional market researchers. This team delivers extensive market research programmes, customer-understanding analytics and legal impact analysis. We then use this information to help inform our product development, so that you can deliver the best possible outcomes for your clients.

DEDICATED TEAM OF RISK AND COMPLIANCE SPECIALISTS.

MEMBER OF THE GENERAL INSURANCE MARKETING RESEARCH ASSOCIATION (GIMRA).

4

THE EXpERTISE TO UNDERWRITE OUR OWN RISKS

As the underwriter, we have the authority and direct decision-making capability to respond quickly and effectively to meet the needs of your clients. Whether they require bespoke cover or tailored products, we have decision makers available to you.

DEMONSTRATING VALUEOur team of professional insight analysts and market researchers are responsible for delivering information and understanding, which we can share with you and your clients. They also provide support and guidance, helping to ensure that your clients understand and value the products they select.

YOUR SECTOR COVEREDThe nature and array of the partners we work with give us the valuable experience that founds our expertise:

�� Local, regional and national brokers�� Solicitors�� Affinity groups�� Managed general agents�� Banks and Building Societies�� Insurers�� Underwriting agencies�� Litigation funders

This experience enables us to offer a wealth of services:

�� Legal Expenses Insurance�� After The Event Insurance�� Assistance�� Legal Services�� Claims Handling�� Helpline Services�� Legal Advice

5

pRODUCTS TO bE PROUD OF

6

LEGAL EXpENSES INSURANCEExPERTISE AND ASSURANCE WHEN IT’S NEEDED MOST

Millions of clients rely on our legal expenses cover. That’s why our helpline service is open 24 hours a day, every day.

FAMILY LEGAL pROTECTIONProblems with an employer, faulty goods or services and the increasing threat of identity theft are all common issues for your clients. DAS Family Classic is designed to provide the expert legal help and assistance needed to protect families against common legal issues, without the worry of running up solicitor costs. Clients with this product also have access to our legal advice helpline, which offers around-the-clock advice, information and peace of mind.

COMMERCIAL LEGAL pROTECTIONBusinesses of all sizes must operate within the changing framework of complicated legislation and regulations. Commercial Legal Protection provides telephone advice and assistance to help your clients’ businesses operate more smoothly, together with insurance cover that will pay the legal costs should they find themselves facing common legal problems.

GROUp LEGAL pROTECTIONTailored to suit the particular needs of individual members of any group, association or club facing a legal problem or dispute. Group Legal Protection covers a wide range of legal problems, including employment, contract, tax and personal injury. Group policy members also have access to our expert telephone helpline, with advice on legal and tax issues and a confidential counselling service, providing support as and when it’s required.

MARINE LEGAL pROTECTIONThis cover is for clients who have suffered uninsured losses following an accident that’s not their fault, are facing prosecution as the owner of a boat, or who have contractual dispute over buying, selling or repairing a vessel. Marine Legal Protection looks after their interests and provides the practical and financial support to help protect their legal rights.

7

MOTOREven the most careful drivers can find themselves in need of help. If your clients are involved in a motor accident, require breakdown assistance or are at risk of losing their licence, our range of motor legal expenses products are designed to give your clients all the assurance they need.

From the moment a client calls us, our motor claims handlers assist in all aspects of the claim.

DASDrive Plus

Should your clients be faced with a motor accident, suffer an injury or incur other losses not covered under their general motor insurance policy, DASDrive Plus Legal Protection is designed to protect them. If they are involved in an accident that wasn’t their fault, they have a legal right to claim back any losses not covered under their motor insurance policy from the person who caused the accident. Our coverage means that we’ll work hard to recover these costs, giving your clients the security of knowing that they can leave it with us.

Motor Prosecution Defence

Should your client be prosecuted for a motoring offence, we’ll pay defence costs up to £100,000. This cover applies whether or not an accident has happened. If we agree, we’ll also pay the legal costs of appeals against judgement or penalty. Motor Prosecution Defence covers all prosecutions except parking or obstruction offences, insurance offences and challenging a fixed penalty notice.

Licence Assist

Being disqualified from driving can have serious consequences, especially if a client relies on their car for work or personal reasons. The costs of legal advice and expert representation means those who would suffer the most from a driving ban are often the ones who can’t afford it. Licence Assist is designed to provide clients with affordable legal help. It offers a motor legal advice helpline, legal representation if your client is at risk of losing their licence and a fixed monthly benefit should the worst happen and they’re disqualified from driving.

8

pROpERTY LETLandlords can sometimes find themselves with a difficult tenant. One who doesn’t look after the property or pay the rent on time (or at all). Our Property Let Legal Protection policy covers a wide range of legal disputes, including property damage, repossession, eviction of squatters, rent recovery, legal defence and rent arrears.

BUSINESS VEHICLESOur Business Vehicle Legal Protection policy allows your clients to protect their legal rights in a range of situations often faced by businesses operating company vehicles; including accident loss recovery and personal injury, motor contract disputes and legal defence.

TAILORED SERVICES FOR HIGH NET WORTH CLIENTS

High net worth clients can face increased risks. We provide a range of bespoke cover options designed specifically around your clients’ needs. Our dedicated high net worth team has a wealth of experience in delivering a superior service, so you can be confident your clients will get the level of attention and care they need.

Our dedicated high net worth team has a wealth of experience in delivering a superior service.

9

AFTER THE EVENT INSURANCEWE’RE HERE TO HELP

DAS is a major player in ATE. Dealing with over 100,000 cases in 2013 and handling premium income in excess of £50 million.

DAS LawAssist after the event (ATE) insurance products provide protection for the costs associated with litigation – adverse costs awards, counsel fees and disbursements. ATE insurance is purchased once a dispute has arisen and will protect your client from the significant financial risks a claimant faces as they take their case to trial.

With cover available up to £3m for certain case types, we can assist with a wide range of litigation, from personal injury, clinical negligence, contract disputes, debt recovery, and professional negligence, to contentious probate and insolvency.

pERSONAL INjURYProviding assistance to an individual who wishes to bring a claim for personal injury against a third party. This policy will cover Part 36 costs awards, along with their own disbursements and counsel fees. Premiums are fixed and deferred until the successful conclusion of the claim.

CLINICAL NEGLIGENCEWe will provide cover up to £500,000 for Part 36 and interim costs orders, the client’s own disbursements and counsel fees in the case of a clinical negligence claim. Premiums are self-insured and deferred until the successful conclusion of the claim.

CIVIL LITIGATIONWe will protect businesses or individuals against the costs associated with a range of litigation from contract disputes, property disputes, professional negligence and debt recovery to contentious probate. We can provide cover of up to £1.5m for a client’s own disbursements and counsel fees, plus an opponent’s costs and disbursements in the event of an unsuccessful case. Premiums are deferred and self-insured until the successful conclusion of the case.

CIVIL DIRECTCivil Direct offers the same benefits as our Civil Litigation product, but on a delegated acceptance basis, which can be very useful if you are managing a high number of cases. This product offers a limit of indemnity of £250,000, with cover for a client’s own disbursements and counsel fees, along with an opponent’s costs and disbursements. Premiums are deferred and self-insured until the successful conclusion of the case.

INSOLVENCY DIRECTSpecifically designed for partners with multiple cases, Insolvency Direct provides assistance with a delegated acceptance of cases based on fixed criteria. The product offers a limit of indemnity of £500,000 (this can be higher by arrangement) including cover for a client’s own disbursements and counsel fees, plus an opponent’s costs and disbursements. Premiums are deferred and self-insured until the successful conclusion of the case.

10

ASSISTANCE SOLUTIONS TRUST THE ExPERTS IN AN EMERGENCY

With over 1 million assistance clients, we’re experts in emergency assistance.

MOTOR ASSISTANCEDAS Motor Assistance Gold cover is a peace-of-mind package for drivers in the UK. If something goes wrong with your client’s vehicle, just one phone call to DAS means help is on the way. Unlike many other breakdown policies, this policy covers whoever is driving the vehicle in the event of a breakdown or accident. It also extends to any caravan or trailer in tow at the time.

If something goes wrong with your client’s vehicle, just one phone call to DAS means help is on the way.

LOSS ASSIST HOMEMaking a claim for a large loss following a major incident, such as a fire or flood, could be a complicated and time-consuming process for your client. Loss Assist Home provides your client with a dedicated loss adjuster, who will prepare the claim and negotiate on your client’s behalf. We ensure that any insured losses are paid fairly and on time.

LOSS ASSIST BUSINESSFollowing a large loss, businesses need specialist claims support to help get things back to normal as quickly as possible. Loss Assist Business pays for a dedicated loss adjuster to support your client through this difficult time. It also includes cover for the cost of experts such as engineers, surveyors and contractors required to prepare the claim.

HOME EMERGENCYWhether it’s damage to a roof, blocked drains or problems with heating. It can be difficult for a client to find a reputable contractor willing to come out at any time, day or night – not to mention the worry of how much it could cost. DAS Home Emergency offers a low cost peace-of-mind solution and assistance in the event of a domestic emergency.

11

LEGAL SERVICESLEGAL SUPPORT THAT FITS AROUND YOUR CLIENTS’ LIVES

Our range of legal services has been designed to add value to our insured proposition, giving you more ways to strengthen relationships with clients.

For clients who have the benefit of legal expenses insurance, our legal services create an end-to-end solution – from their first call, to legal advice or assistance, through to legal representation at court or tribunal. If your client does not have cover, we may still be able to offer advice and a solution for a fixed fee.

INSTANT LAW LINEWe have trained, UK-based advisors available for guidance and support, 24 hours a day. Our Instant Law Line offers unlimited access to telephone legal advice on a wide range of legal issues for both personal and business clients. Our service is designed to try and resolve your client’s queries at the outset. Where a client requires a wider service, such as written legal advice, through DAS Law we are able to support that requirement for a fixed fee. This provides continuity of legal support to a customer from their first phone call, to case completion.

Unlimited access to 24 hour telephone advice, information and assistance.

12

THE EVERYDAY LEGAL pLANWe can provide written and verbal advice on any personal legal issues and access to legal services such as will drafting and employment disputes, as well as insured help with other legal issues such as personal injury, clinical negligence and divorce. There are three tiers of cover available:

The Any Time Plan

Our entry level plan designed for clients who just want the peace of mind of having legal advice on hand, when they need it, plus the option of a 25% discount on additional legal services. The Any Time plan offers 24/7 access to a legal advice helpline, online document drafting and face-to-face advice from a solicitor.

The Every Time Plan

Comprehensive legal services and cover for everyday living. From will drafting services to Personal Injury cover and 24/7 access to legal advice amongst other benefits, the Every Time plan offers a range of legal services plus legal expenses insurance cover for contract disputes, divorce, educational appeals and more for your clients and their families.

The All Time Plan

A complete plan, covering almost all the legal needs of your clients. The All Time plan is our premium product. It includes all the legal services and legal expenses insurance offered in the other plans, plus the additional benefit of conveyancing services.

DAS LAW FIXED FEE LEGAL SERVICES pRODUCTS

DAS Law prides itself on being an approachable law firm. We provide highly professional yet practical solutions at affordable and agreed prices. Our services are designed to support a range of issues and requests from our customers and business partners to support their personal and business needs. From drafting a commercial supplier agreement to advising on a settlement agreement, DAS Law is able to deliver that service and at an agreed price.

Our core service offerings include:

�� Personal Injury claims�� Employment claims, from advice and negotiation through to

tribunal representation and settlement agreement drafting�� Contractual disputes�� Property disputes�� Business services�� Wills and Probate

For a more comprehensive list of our services and products please visit www.daslaw.co.uk

13

LEADERSHIp THAT INSPIRES

14

DAS is committed to doing business responsibly. Our corporate responsibility programme was formalised in 2003 and continues to evolve. We regularly review procedures and strategy to ensure they remain appropriate to our business, our workforce, the environment and the local and global community.

OUR CORpORATE RESpONSIBILITYWe want to be competitive, resilient and sustainable by adopting best practice in our corporate responsibility programme. By engaging with our stakeholders we’re aiming to provide a transparent account of our work in this area.

Engaging our workforce

We support employee engagement and welfare by aligning our human resource, learning and development and corporate responsibility strategies, policies and procedures. We hold the coveted Investor In People Gold award, demonstrating our dedication to the development of the best staff in the industry. We also champion health and wellbeing through our in-house ‘Wellwise’ programme.

Community spirit

As a responsible business we aim to play an active role in local communities, through our education, sponsorship, fundraising and volunteering partnerships.

We recognise that protecting the environment is crucial to the long-term wellbeing of our business, stakeholders, employees and the local and global community. It is essential that we take this responsibility seriously and lead by example.

We manage and reduce our environmental impact using our ISO 14001-accredited Environmental Management System. We have certified our carbon footprint via The Carbon Trust and were pleased to become carbon neutral from May 2014.

We value our workforce and encourage them to play active and beneficial roles in their local communities.

15

KEEpING OUR pROMISESYour clients can be confident that when the time does come to make a claim, it will be handled in a fair, reasonable and supportive manner. One size does not fit all, and our dedicated claims teams are set up and trained to respond to this, with our claims DNA ensuring that policyholders have a positive experience. Listening to the client and understanding the situation from their point of view is at the heart of the service we deliver. It’s all part of providing great customer service.

AN AWARD WINNING pARTNERHard work, quality of service and innovative products have helped us to maintain strong relationships with our business partners and clients – and win a host of key awards, from insurance industry awards to awards for our approach to corporate responsibility.

DAS has been a frequent winner at the Insurance Times Awards. In fact we’ve won 20 awards across different categories since the awards began in 1995.

SEAL OF AppROVALWe’re fully accredited against the ISO 9001: 2008 standard for maintaining a quality management system throughout the company.

Our quality management system is based on the requirements of BS EN ISO9001:2008.

We meet the ISO 14001 international environmental management standard.

We’re certified with the ISO/IEC 27001:2005 Information Security Management System.

We have achieved the Investor In People Gold award and “Two Ticks” from Positive About Disability.

16

WHEN INSIGHT, STRENGTH AND UNDERSTANDING MATTER, CHOOSE DAS.

First for Knowledge. First for Justice

Find out more at www.das.co.uk

DAS Legal Expenses Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation

Authority | © DAS Legal Expenses Insurance Company Limited | DAS House | Quay Side | Temple Back | Bristol | BS1 6NH | Registered in England and Wales | Company Number

103274 | DAS Law Limited is authorised and regulated by the Solicitors Regulation Authority | DAS Law Limited is listed on the Financial Conduct Authority register to carry out

insurance mediation activity, including the administration of insurance contracts, on behalf of DAS Legal Expenses Insurance Company Limited | DAS Law Limited | North Quay |

Temple Back | Bristol | BS1 6FL | Registered in England and Wales | Company Number 5417859. 08.2

014

| DA

S11

075.

02