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Arc Legal Assistance Online Insurance Reviews

Company Name: Arc Legal Assistance
Overall average rating of 1.1 out of 5, and the percentage of positive recommendations 0 %
I was put through to this company via LV, no idea really why as LV's solicitors Lyons Davidson were saying my policy covering legal cover was not being accepted even though LV accepted I had done nothing wrong. ARC have now told me they will put in writing why LV will not pay out, but I am taking this to the Financial Ombudsman as requested by FO as there are more than one issue, i.e. policy has legal cover, or LV MISS SOLD IT, either way there is an issue and this company do not seem to have any more than 1 star from anyone, but I can't really understand what they do apart from stand up with LV solicitors for LV.
This is a near fraudulent Company. You are not allowed to use their own Solicitor only one from their panel of Solicitors. Here is my experience so far. 1. My case has been going for almost one year - to try to get EVEREST Windows and Doors honour their guarantee to me. 2. My allocated panel Solicitor was Lyons Davidson. 3. Almost from the outset it became obvious that my supposed Solicitors were representing the interests oF ARC not me, their supposed Client. I complained about this on a number of occasions. 4. It is a clear conflict of interest for a legal Firm to represent two Clients with opposing interests - the Insurance Company trying not to honour their contractual obligation to their Client and the poor Client (me) claiming against the Insurance Company with a legitimate claim that he/she has paid for. 5. Having carefully read the terms of reference of ARC Insurance, it is almost impossible to meet their requirements to bring a claim. Not only this but the Solicitors, supposed to be representing the Client and also ARC make it as difficult as possible for the Client to bring a legitimate claim - a blatant conflict of interest as already stated. 6. My claim is legitimate and had to be taken up. 7. It has been ineptly handled by a Legal Executive, not a Solicitor, for almost a year who has allowed the Respondents to run rings round him. 8. Nothing has been achieved, and, after my complaints that I wanted a competent Solicitor to represent me. I have now been told by a Solicitor that, after almost one year of the Firm's inept negotiation with the Respondent, that I should pay £900.00 to get a Surveyor's report (why was this not done at the outset? and why were they initially happy to pay for a joint Surveyor's report with the Respondent, which the Respondent refused to do?). This despite the fact that I have paid for this insurance and that this should be a normal disbursement under the insurance policy under any logical perception of the situation. No doubt this has been done in the expectation that I will drop the case. 9. What is really going on? I cannot be sure, because I have not seen the contracts between ARC and it's respective panels of Solicitors, HOWEVER 10. I suspect that there is agreement between the two of a fixed price for each case. From my own extensive business expertise, I guess that this fixed contract is priced at an unusually low rate such that it is not in the interests of the Solicitors to pursue any case where there is any risk to their costs (their is risk in all litigation), also it is in the Solicitor's interests to find that the case is invalid as they will make a small, risk free profit, in cases that are rejected. The fact that Legal Clerks on unjustifiable hourly rates handle claims exclusively gives this supposition even more credibility. 10. If this is the case, it is entirely unethical, albeit may not be fraudulent in the eyes of the law. I trust ARC will respond to this matter constructively because looking at the previous comments on this website every single comment is making the same complaint as me. An unsatisfactory response will force me to post this situation to all General Insurance Companies that use ARC for household insurance. Thank goodness for the internet that allows serious issues like this to be widely exposed.
I made a claim with Arc legal, my current insurers, regarding an employment dispute. They rejected my claim saying that I did not enjoy the prospect of reasonable success despite 2 other professional organisations saying that I did, and who are thankfully representing me at my Tribunal. After messing me around regarding timescales and causing me unwarranted stress, I look forward to saying goodbye to my current insurers when my current period expires. From my experience, I would not rely on these people again for help.
I second the previous comment, the company have a term and condition for everything. They really only talk to you via email and you have to wait 5 days for a response each time, then the response is always negative. A terrible service not at all recommended
Pressing time-sensitive legal issue. Contacted under my home insurance policy. Initial contact good - then a week later 2 days before dead line to response got an email telling me they couldn't verify cover (I've been with the same insurer for over 2 years) Waste of my time and I'm potentially 50K down now - having to run around contacting law firms myself. Will also be contacting my insurer to get a full refund on the legal protection insurance as this is worthless.
What do they do for the fees, both claims rejected.I am starting to think it is all a con. Are any claims accepted, and I agree with the poster below Irwin seeks a way out.
Have this insurance via Barclays Home Insurance Cover (Bolt On). After speaking to the Barclays helpline advise (who are actually pretty good), it became apparent that it would need to go via a solicitor. I was told that it would be passed on to a solicitor specializing in the field for review. In fact, all that happens is an underwriter finds how they can avoid taking the case on, there is a skim through the submitted documents, finding key information on how they can dismiss your claim. This has brought into question the other aspects of my home insurance policy and as such I need to switch out from Barclays to a more expensive one with proper legal cover. Save your money and avoid the bolt-ons, go with another insurer as it is dubious for Barclays to scam this.
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