Lexelle Limited Reviews 

Landlord Insurance
Landlord Insurance

Be very careful and read the small print - as usual some insurance policies are only umbrellas for when it is not raining!!

Took out a Landlord insurance, tenant is not paying his rent but could be willing to leave - if he does the insurance does not work as I need to have an eviction in place for the policy to come into effect! This means many more months of unpaid rent and legal costs which perhaps they will then pay!

My experience with Lexelle has been appalling.

This relates to a legal expenses insurance claim where, in my view, Lexelle repeatedly narrowed and obstructed a viable claim rather than ensuring it was fairly assessed. After I obtained a Financial Ombudsman decision requiring my neighbour claim to be reconsidered, Lexelle continued to rely on a restrictive interpretation of cover and then relied on a panel solicitor review which, in my view, badly misframed the case.

The claim involved serious neighbour nuisance / harassment issues with clear policy-period anchors. Despite that, the panel review treated the matter as if key parts were outside cover or reduced to a much weaker version of the actual case. In my view, this was not a fair or independent assessment of the claim I had actually presented.

The senior claim handler Tim Neil went far beyond what any normal company would expect to try and block a viable claim after reading his fight back to the ombudsman he clearly made it a personal mission to block this claim and I’m sure as they just didn’t like the FOS ruling in my favour for cover. It’s also really concerning the Wilkins Chapman review which is supposed to be independent and cost close to 3k was so bad it was clear they were being told to block the claim and get an easy payment. Their solicitor even asked me what my claim actually was about this is after I had sent them professionally made LBAs listing all the claims made and a mass of data that proved all the points. I’ve duly reported Wilkins Chapman to the SRA. They were supposed to be independent and this is after PM law went down - where I’ve seen proof of Tim Neil narrowing and telling their solicitor to not look at certain facts etc etc.

I am also deeply concerned about the wider context. PM Law, previously involved in the handling of my matter, was later subject to SRA intervention. The SRA has publicly stated that its investigation into PM Law involves suspected fraud and the misuse of very substantial client funds. Companies House records also show overlap between PM Law and Lexelle personnel, including Donald Mackay as a director of both companies. That background makes Lexelle’s handling of my claim even more concerning.

I have reported concerns about the later panel solicitor review to the SRA, including concerns about independence, competence and the way my claim was narrowed. I will also pursue the appropriate complaints routes against Lexelle and the insurer.

In my view, Lexelle’s handling made the legal expenses cover practically worthless when it was most needed. The process caused serious delay, stress and wasted time. I would strongly warn anyone dealing with Lexelle to keep every document, challenge every refusal, and escalate to the FCA, FOS, SRA or Legal Ombudsman where appropriate.

It is a third rate company with appalling customer service. When it comes to reimbursement, they present all kinds of obstacles and put off payment as long as they can.
I filled in the forms and sent copies of invoice on 2 March for reimbursement as directed by them and I am still waiting for the funds. The CS team have passed the buck to their Accounts team, who must be a bunch of morons.

I was treated seriously badly by this insurance company.
I was assigned a lawyer for a housing tribunal case but he abandoned me less than 24 hrs before the hearing. I was waiting for several months for the date so could not delay any longer.
The reason he abandoned me ,was I refused to settle out of court. The settlement was initiated by respondents ex solicitor who was struck off the legal register due to being convicted of very serious fraud and deceit. As such he is barred from initiating any settlement or representing client in court Knowing his history I could not trust him and refused to accept my lawyer’s forceful reasoning.
Outcome was that my incompetent lawyer then got annoyed and not only dropped me unrepresented but also instructed Lexelle to stop my funding.
As a result I had to represent myself, which caused me considerable stress and health setback.
House legal cover will provide you with a very poor quality unscrupulous lawyer.

Seriously cruel, ruthless company. It took a long time for them to provide funding for Housing tribunal case I was going through.
They assigned a solicitor to me who was not good , did very little work and dropped me unrepresented less than 24 hrs before the hearing because I would not settle out of court, as not beneficial for me. I had to represent myself and it seriously prejudiced my case. It was obvious that he was supporting the other side behind my back as they did not provide much preparation to the court, relying on settling out of court, decision they made between them without my knowledge. Solicitor was very nasty and contacted the Lexelle
Who stopped funding with immediate effect.
Definitely not good company to give you legal protection!!! They will provide you with a very substandard and unreliable solicitor!!
Don’t waste your money and avoid stress caused by this nasty company!!

If I could score them zero I would. I have been trying to get them to help with a claim for over 6 months now and they have been utterly useless. Initially it took me about 3 calls to get a legal support call back arranged by them. It somehow got forgotten about and even then after the initial chat with the firm who called me was great. The Firm agreed we needed to speak to someone further about the claim and she had sent Lexelle numerous messages to progress the case further. Lexell did nothing to contact me back to progress this they were shocking and I was just being ignored. Anytime I called them they said they had not had a referral which was not what I was being told when I called the legal team back. Even when they did repond to the support all they kept asking for video after video after video without even listening to the issues or the full story. I was getting nowhere with them they would just not actually listen to the issues about the claim. They eventually passed the case onto their legal company who was supposed to call me to discuss the issues in full once they had reviewed some of the videos and once again they didn't call. I still got send me a video or picture of the issues again and again. Now they have just sent an email through with a response, which most of it was utter nonsense as they have made assumptions which were untrue. So how can you make a decission without the facts that they won't listen to anything about the claim. I have called them again after how can they make a decission without discussing it further they should not be making assumptions to make their desission. They are NOT in the bsiness to honour a claim and I will be taking this matter further as they have actually caused my more stress and upset than we had before I spoke to them.

My wife and I became embroiled in a boundary dispute with the defendant being a solicitor. Once we provided the necessary information requested by Lexelle they supported us with experts and from behind the scenes gave us such valuable support throughout the whole three and a half year journey.

Thank you so much for your support

Appalling "service", I was forced to use Lexelle as part of my legal insurance from Covea. They took 8 weeks to review my claim, using substandard "solicitors" and then have tried to reduce the costs for my barrister at every turn. They then agreed a fee with me barrister and then did not pay him. Avoid Covea and this company at all costs.

I do NOT recommend using this company. They use legalese and use every evasive tactic to avoid providing the cover you think you have.
I wish I had checked this page before ever using their service and can clearly see others have had similar poor service.

Update to your response: I would love to post your legalese response just to inform potential users of your service.
You say ‘as you are aware’ - actually I am not sure what you mean by this.
I have actually responded to your email and I’ve yet to receive a formal response (if indeed you consider that email to you as a complaint or this review). What exactly is your response time for a formal complaint anyway?

It’s very evident to me what I thought I had purchase is not what was served. To me you clearly circumnavigate any proper claim thru your minutiae and legalese. What’s more is that you clearly do not know how to communicate with your customers!

If you love it when you have to chase, make endless calls and wait nine days for a reply to an email, then this is the company for you. If, however, you want a prompt and professional service - probably best avoided. We came to Lexelle via our insurance broker and were given the runaround for nearly four months before they reached the decision that we probably weren’t covered. We were promised a phone call from their solicitors. Still waiting …

Lexelle Ltd handles 'before the event' legal insurance cover as part of household policies. Any claim is assessed by Proddow Mackay LLP (PM-Law).

When I first made this review both companies were seen to operate from the same premises, 205 Shepcote Lane. Since then Lexelle Ltd would appear to have moved to other premises.

I have been far less than satisfied with their service with two parts of my claim apparently being conveniently invisible to them. That is, the two parts that would be most significant in my case but which would require the most work. One part of my claim would have required support from Lexelle Ltd at an earlier stage; such support was denied.

When I complained about the omission of reasons for rejecting these two parts, Lexelle Ltd replied but, once again, failed to acknowledge the existence of these significant matters. I wrote again, to someone with an interest in both companies. There has been no response.

Terrible experience with Lexelle. They are trying everything to get out of paying for my claim for landlord insurance. It takes 3 days to a week to get an acknowledgement for a simple email question. I have been waiting for 6 weeks now for the underwriters and no one seems to be able to give me an update on my case. Their website has more information about the motorbikes they sponsor rather than looking after customers! A complete fraud of an organisation! The FCA needs to address this company!

Shameful Organisation

Shameful organising and the dealing you have with Lexelle the underwriters is shocking and they use ever loophole to get our of paying out anything for failed tenant rental.

NEVER use them again