All ‘Full IPA/IPF’ members are provided with Legal Expenses cover under the group Basic Legal Scheme, that provides up to £20,000 of cover for incidents relating to their employment with a UK operator (there is an excess payable by the member in the event of a claim).

Such incidents that may be covered are representation of the member at hearings into aircraft accidents or incidents anywhere in the world, or pursuit/defence of any claim or legal proceedings arising out of the member’s employment against a UK based employer and pursuit of a claim against any third party for injury to the member happening within the UK.

This is a useful benefit of membership for ‘Full IPA/IPF’ members that is funded by the IPA but provided by Oval insurance brokers, administered by Abbey Legal Protection and underwritten by Brit Insurance Ltd. There is, therefore, no element of discretion on the part of the Association as to which cases will be supported.

It is recognised, however, that £20,000 of cover will run out very quickly in the event of even a small claim so the Association recommends that additional cover is purchased by the member through the Supplementary Scheme for which concessionary rates are available for IPA members.

There is a range of options available depending upon the Limit of Indemnity and Territorial Limits required, as shown below:

TerritorialLimits	Limit of Indemnity	Annual Premium (including IPT)
Worldwide excl. USA	£125,000	£100.40
Worldwide excl. USA	£250,000	£164.75
Worldwide incl. USA	£125,000	£165.38

In all cases, should a claim be made the Basic Scheme is used to fund the excess payable under the Supplementary Scheme so there is no further cost to the insured member.

A further benefit of the Supplementary Scheme is a free legal advice telephone line that provides confidential and impartial advice on General Legal matters, Employment matters and Aviation Legal matters.