What Is Car Insurance Legal Cover and Do You Need It?

June 16, 2024

Car insurance legal cover, also known as motor legal protection, is an optional add-on to your car insurance policy. While not a legal requirement, it can save you a substantial amount of money in the long run by covering legal fees and losses following an accident that wasn't your fault. Understanding what is car insurance legal cover and how it benefits you can make a significant difference in your decision to include it in your policy.

what is car insurance legal cover

Benefits of Adding Legal Cover to Your Car Insurance

Car insurance legal cover is designed to provide financial protection against legal costs and uninsured losses. These can include personal injury claims, repair costs, excess payments, loss of earnings, and other expenses that your standard car insurance may not cover. For an additional cost, typically between £20 and £30, you can add this protection to your policy, although some insurers include it as a standard benefit.

what is car insurance legal cover

Is It Necessary to Have Legal Cover?

One of the primary considerations is whether you already have legal coverage through other policies or memberships. If you possess a comprehensive car insurance policy, check the details to see if legal cover is already included. Another important factor is assessing how likely you are to need legal cover. If you frequently find yourself in situations where you might need legal assistance, adding this cover might be a wise decision.

How to Make a Legal Expenses Claim

Making a legal expenses claim involves providing all necessary details of the incident to your insurer. It's important to note that insurers will only fund a claim if there is a 'reasonable prospect of success,' generally considered as a 51% or better chance of winning the case.

what is car insurance legal cover
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What is Car Insurance Legal Cover: A Closer Look

Understanding what is car insurance legal cover involves recognizing its limits and conditions. It covers legal fees up to a specified amount, often up to £100,000, and provides access to legal advice services. However, it does not offer direct compensation for damages; it only covers the costs incurred while pursuing a legal claim against another driver. Additionally, there is usually a cooling-off period of 14 days during which you can cancel the legal cover without any penalties, excluding fees for the period you were covered.

Alternatives and Additional Considerations

If you opt not to include legal cover in your car insurance, you can explore other options like using personal savings, hiring no-win, no-fee solicitors, or taking out after-the-event insurance. Carefully weigh these alternatives against the convenience and relatively low cost of adding legal cover to your car insurance.

Legal cover can also provide extra protection for passengers and family members involved in an accident. Besides mitigating immediate out-of-pocket expenses, having this cover can offer peace of mind and quick access to legal advice in unfortunate circumstances.

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