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

June 16, 2024

When considering car insurance options, it's essential to understand what is legal cover car insurance and how it can benefit you. Legal cover is designed to pay for legal costs and any uninsured losses in car accidents that weren't your fault. Although it is not a legal requirement, adding legal cover to your policy can save you money in the long run and offer extra peace of mind.

What is Legal Cover Car Insurance?

Legal cover car insurance helps with claiming for losses and compensation not covered by standard car insurance policies in accidents that are not your fault. It typically covers legal fees up to an agreed limit, usually around £100,000, for legal claims related to financial losses or compensation for personal injury. This includes covering legal expenses for personal injuries, damage to your car, loss of earnings, loss of possessions, and travel costs.

Should You Add Legal Cover to Your Policy?

Deciding whether to add legal cover to your car insurance policy depends on your individual circumstances. There are several pros to including it, such as access to legal advice and potentially significant financial payouts. Moreover, it is a relatively inexpensive add-on, generally costing between £15 to £35 annually, which could save you thousands of pounds in the long term.

However, there are also downsides to consider. Insurers might sometimes refuse to fund claims, and even with a strong case, there’s no guarantee of winning. Additionally, insurers may not support claims for lower amounts. Therefore, it's essential to weigh the cost of adding legal expenses against potential financial losses in an accident.

Alternatives and Considerations

Before deciding on legal cover, check if you already have motor legal protection as part of another insurance policy, such as home contents, buildings, or motorcycle insurance. Alternatives to motor legal protection include saving money for potential legal fees, hiring no-win, no-fee solicitors, or taking out after-the-event insurance.

Making a Claim with Legal Cover Car Insurance

To make a car insurance legal cover claim, contact your insurer within 24 hours of the incident, providing full details and supporting evidence. Note that claims are generally not accepted if the accident is your fault. Some policies allow you to add or remove legal cover separately during the insurance term, though additional fees may apply for these changes.

Ultimately, understanding what is legal cover car insurance and carefully considering whether it suits your needs can help you make an informed decision and ensure you are adequately protected in the event of an accident.

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