As we live in a complicated world defined by laws and rules, it’s vital that we understand our rights and have uncomplicated, reasonably priced access to the legal system when and if we need it.

However, tackling a legal dispute can be a daunting and time-consuming endeavor, whether you win or lose. Seeking professional advice is critical, yet the high costs of consulting lawyers or seeking advice can make you decide against pursuing or defending your legal rights.That’s where legal expense insurance can help. LEI is a unique product that helps individuals and business owners defend or pursue legal action if they have a dispute with another party. With the LEI coverages provided by DAS Canada and Heart Lake Insurance, policyholders have access to legal advice and guidance, plus the security of knowing the costs of pursuing legal action will be covered.

With more than 80 years of service and experience behind us, you can rest assured that our products are simple to understand, even simpler to access, and our customer service is second to none.

DAS offers through Heart Lake Insurance, a suite of different coverages to meet the unique needs of consumers and business owners:

See below for a quick overview of the different DAS Legal Expense products all available through your Heart Lake Insurance Broker!

1) DAS Business policy is designed to protect businesses against the cost of potential business legal disputes.

This policy guarantees business owners access to legal advice, representation and cost coverage. What’s more – policyholders can also simply pick up the phone to access the Legal Advice Helpline on any legal matter. It’s an emergency? We’ve got you covered; we’re here 24 hours a day if you need us.

Your policy includes:

  • Employment disputes;
  • Legal defence;
  • Statutory license protection;
  • Property protection;
  • Bodily injury; and,
  • Tax protection;
  • Court attendance expenses; and,
  • Telephone legal advice.

Click here to see the PDF.

2) DAS Drive has been designed to cover things like speeding tickets, problems with the sale or purchase of a vehicle, accident-related benefits disputes and more.

What if:

  • You’re faced with a traffic ticket that you believe was wrongly assessed?
  • The replacement value of your vehicle is quoted far below what you believe it’s worth?Your local repair shop does a terrible job and you’re stuck with a bill and a vehicle that still isn’t working properly?

A DASdrive policy offers peace of mind. You’ll know exactly who you can turn to when legal conflicts arise out of the possession or use of a motor vehicle. It covers lawful drivers and passengers, too.

Your policy provides you with unlimited access to the Legal Advice Helpline to discuss any personal vehicle-related matter from 8am until midnight, seven days a week. It’s an emergency? We’ve got you covered with 24 hour access if you need it.

Click here to see the PDF.

3) DAS Living

Most people don’t think they’ll end up involved in a legal dispute until it’s too late.

What if:

  • You were discriminated against in the workplace, or receive an unfair severance package?
  • Your newly renovated kitchen cabinets are a showcase of shoddy workmanship?
  • You and your neighbour can’t agree on the fence line?
  • You purchased a faulty home stereo system, and the electronics store will not returns your calls?
  • Your vacation in paradise was a total disaster?

The DAS Living policy is your assurance that you’re only one phone call away from legal advice, assistance and cost coverage if you’re facing one of society’s most common legal problems.

As part of your policy, you have unlimited access to the Legal Advice Helpline to discuss any personal legal matter (including tax advice) from 8am until midnight, seven days a week. Dealing with an emergency situation? No worries: help is available 24 hours a day if you need it.

Click here to see the PDF.