0 stars!!! worst company on earth - strike them o they will force you down the route of their panel firm(s) who are terrible! we ended up with Lyons Davidson! the worst firm you can ever get! Would not wish them on our worst enemy! LEI and their panel solicitor are not there to support you as a claimant - NEVER! They are only there to bat away as many claims as they can and no uphold them and this is what their panel firms focus on as they get measly rates for the time spent. so the panel firms will barely spend any time at all looking at your files or case, and will try shut it down as fast as possible. ARC as the LEI as a provider will do its upmost in the first instance to not validate your claim. If the claim is validated, the panel firm will do its upmost to say it is not proportional or does not have good chances of success. If you prove it is or complain, then they will do the very minimal amount work and make write one letter ... and then try to advice you wrongly and push you down a path that will be the least cost to them despite whether it is in your best interest or not! as they are not there to support you ... remember they are there to keep costs low for the LEI insurer! the LEI firm and panel firm will work closely together and ensure they do the very minimal work if they are forced to defend/claim. They will ensure despite whatever indemnity you have 50k or 100k, they will not allow it to all be used or not even the fraction they might initially state will and can be used! They will frequently mishandle the claim, and if the panel firm advices your wrongly or does anything wrong they will blame it on legal advice and say they act on legal advice. If you complain about them or their panel firm you will get roasted, and they will 100% always support the panel firm and will discontinue funding! despite whether you have a case or not and whether or not it is right. If you prove the legal advice is wrong (which 90% of people will not bother to even try) they will then look for ways to get out of paying out on the claim by purposely skewing things, or trying to using the wording of the T&C of your policy to find a way out of paying out. This is even if your claims were validated, and had been covered and you have had representation. If you ever ask for a non panel firm they will still push you to their firm. or say they will not cover you. despite your right to have a freedom of choice solicitor. My advice based on experience is LEI is something we all need but they will do their upmost to get out of paying anything! Their panel firms are absolutely useless and the worst of the worst! that is why they work for insurers as they will accept low rates which a decent solicitor will not. best thing to do is go for a solicitor of your choice and pay the difference, and fight the LEI if they try to make out your claim is not valid. however this takes time, effort, and can be draining and costly. if you complain about lei they will send you round in circles and blame legal advice, and if you complain ;legal advice they will point to LEI decisions holding things up or something like that . they are both in a relationship to help each other and keep costs low they DO NOT CARE ABOUT PROTECTING YOUR INTEREST AT ALL!!! the claims handlers are unhelpful and only concerned about themselves not what is right/wrong. they want to keep their profits high! If they screw you over like they did us, you will have to fight them and it will be expensive, and you will need to go to a lot of effort to gather evidence and argue with them and take it to the financial ombudsman! this is daunting and the key learning is do not bother spending time arguing with them in the first place or falling for their tactics for giving you run around. make a complaint and then go straight to the financial ombudsman after 8 wk! ARC LEGAL as a firm is one of the worst of worst and this has been our experience and we have had to go through all of the above for a long time now! This company should be struck off by the FCA in my opinion! BEST ADVICE FROM OUR EXPERIENCE ... DON'T EVEN BOTHER WITH LEI ... THEY ARE SLOW AND RUBBISH. PUT £50 A MONTH AWAY IN A HIGH INTEREST ACCOUNT; AND WHEN IN THE VERY RARE CASE YOU EVER NEED A SOLICITOR YOU CAN APPOINT A DECENT ONE AND HAVE YOUR MATTER DEALT WITH QUICKLY AND SHUT DOWN THE ISSUE BEFORE IT ESCALATES. FIND A SOLICITOR THROUGH RECOMMENDATION OR LEGAL500 WEBSITE. LEI AND THEIR FIRMS ARE SO SLOW THEY WILL CAUSE YOU MORE ISSUES!!! P.s. response to my rubbish lei ... You will not get my real name i use an alias! But just look at your files and complaints since you're such a great company there shouldn't be many right? ... I'm sure you'll be able to put 2+2 together abd with out who the hell I am?! Hint ... Look at the length of my review!!!! Good bye you useless good fir nothing time wasters! I will ensure I take you down.

They take your money but look for any excuse to deny any claim. When you make a complaint, they don't even investigate, they drag it on for months on purpose. Even though you give them proof that they have breached the terms of their policy, then reject your complaint without giving any explanation hoping you will get fed up and go away. Do not waste your money buying their legal cover, it is not worth a penny.