It now markets policies are sold on a group basis only, and primarily through brokers. Until recently, Royal and Sunalliance marketed a personal policy as well as a small business policy. Benefits were capped, policy holders had access to a 24 hour telephone advisory service, and there was no excess payable on claims. FAI has a small legal expense insurance portfolio. It sells commercial policies as well as personal policies.
Costs differ depending on the cover negotiated.
Zurich sells a package policy for domestic insurance which includes building, contents, motor, boat and legal expense insurance. Sales have been negligible. In July 1999, an overseas-backed product, Legal Wise, ran display advertisements in Australian newspapers seeking postal or website feedback on a legal expense insurance product. The advertisement appeared to be testing a market for the product. The benefits provided under most legal expense insurance policies today are geared towards the needs of well-educated and financially secure individuals and families who are particularly concerned about their economic security.