Liberty Quality Home - house and contents insurance
CONTRACT BASES
Article 26 - Legal defence of the insured
In any legal proceeding derived from a claim included in the policy's liability cover, the insurer shall undertake, at its own expense, the legal management of the defence before the claim of the damaged party, appointing the lawyers and court attorneys to defend and represent the insured in any legal action that might be brought against him / her in claims for liabilities covered by this policy, even when said claims are unfounded.
The insured shall offer the necessary cooperation with regard to said defence, undertaking to grant any powers of attorney and personal assistance that might be required.
The provision of defence services and representation in criminal proceedings shall be optional for the insurer, unless otherwise stated in the policy.
Whatever the ruling or result of the legal proceedings, the insurer reserves the right to decide whether or not to initiate the legal appeals that might proceed against said ruling or result, or to accept it.
If the insurer deems an appeal inadmissible, it shall inform the insured, who will be free to file it exclusively at his / her own expense, and the former shall undertake to reinforce the legal costs and fees for lawyers or court attorneys should said appeal succeed.
Should a conflict arise between the insured and the insurer due to the latter's need to support interests in the claim contrary to those of the defence and of the insured, the insurer will make this known to the insured without detriment to the execution of those processes that, due to their urgent nature, are necessary for the defence. In this case, the insured may opt to allow the insurer to continue to manage his / her legal affairs or entrust his / her own defence to another person. In case of the latter, the insurer shall be obliged to pay for the expenses of said legal management for up to the limit of euros 6,050 per claim.
Article 27 - Termination and nullity of the agreement