What Is Legal Cover in Car Insurance? A Detailed Guide

June 17, 2024

What is Legal Cover in Car Insurance?

When considering your car insurance options, the question of what is legal cover in car insurance is likely to come up. Car insurance legal cover is designed to pay for legal costs and uninsured losses in the event of a car accident that wasn't your fault. While this isn't a legal requirement, it certainly can save you money in the long run. You can typically add it as an optional extra to your car insurance policy for that extra peace of mind.

Understanding Car Insurance Legal Cover

Legal cover in car insurance, also known as motor legal protection, provides financial assistance for various legal expenses incurred due to a car accident. This includes legal fees related to personal injury claims, damages to your vehicle, loss of earnings, and even travel costs and expenses related to making a claim.

One of the key advantages of this coverage is that it isn't restricted to the driver alone; passengers and family members affected by the accident can also benefit. On average, the legal cover will support claims up to an agreed limit, usually around £100,000, and requires a 'reasonable prospect of success'—meaning a 51% or better chance of winning the case.

What is Legal Cover in Car Insurance?

So, exactly what is legal cover in car insurance, and why should you consider it? Primarily, it provides the resources needed to handle the legal aftermath of an accident. This can be immensely beneficial as legal costs can escalate quickly, especially if the incident involves personal injuries.

For many drivers, adding this cover costs between £15 to £35, making it a relatively low-cost addition to their overall insurance policy. Some insurers even include it as a standard feature. Whether it’s worth it depends on your driving habits and financial situation, but having this cover can save you from substantial out-of-pocket expenses.

Pros and Cons of Legal Cover

Like any insurance add-on, car insurance legal cover comes with its pros and cons. On the plus side, it offers access to comprehensive legal advice and the potential for high payouts, all at a relatively low additional cost. However, there are also risks such as the insurer refusing to fund claims if the legal costs exceed the claim amount, or if there's a low chance of winning the case.

You should carefully evaluate if adding this coverage makes sense for you. While non-mandatory, this protection can still offer significant benefits.

Alternatives to Legal Cover

If you decide against adding legal cover to your car insurance policy, there are several alternatives to consider. These include setting aside savings specifically for potential legal expenses, hiring no-win, no-fee solicitors, or obtaining after-the-event insurance. All these alternatives offer different ways to manage the financial risks associated with legal claims post-accident.

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