The Family Legal Services section of MORE TH>N’s home insurance costs £1.50 a month and provides families with a comprehensive package including:

• Cover up to £50,000 for legal fees : for example, should their son or daughter get involved in a dispute with their landlord or a third party, MORE TH>N could give the parents advice and act on their behalf.
• Access to over 200 professionally written interactive legal documents, e.g. ‘ demand for repayment of deposit’ letter.
• Access to professional advice, mediation and representation at employment tribunals or in court for any member of the family.

Notes :

1. MORE TH>N could potentially save students £163 compared to the average cost of a specialist student possessions policy (based on £8,000 of cover, including legal expenses, cover for keys and locks and accidental damage: prices correct as at 10 August 2005 ):

University

Premium for specialist student policy

£135

University of Manchester , M13

£226

University of Birmingham , B15

Oxford University , OX1

£135

Cardiff University , CF10

£135

Average

£163.40

Source, Endsleigh Insurance

2 According to Endsleigh Insurance, September 2004.

Home contents insurance from MORE TH>N includes (as of 16th August 2005):

• £60,000 contents cover as standard (higher limits available on request).
• Up to £7,500 High Risk items cover for those valuable, more likely to be stolen possessions such as PCs, TVs, Cameras, Jewellery and Art (higher limits available on request).
• ‘New for old’ replacement of damaged or stolen goods.
• 24 hr Emergency Helpline – freephone support and advice available when it’s needed, 365 days a year.
• Up to £150 Emergency Repairs benefit – we will arrange for a competent and experienced contractor to make the repairs. This also includes emergency overnight accommodation.
• Children’s College cover – as part of our standard cover, if a child is still living at home, their belongings in their college accommodation are protected (up to 15% of the sum insured).
• Moving Home cover, when moving home belongings are covered against loss or damage as long as professional removal contractors are used.