Car Insurance - Legal Expenses? Do you have it - HotUKDeals
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Car Insurance - Legal Expenses? Do you have it

lindseyanndavis Avatar
5y, 8m agoPosted 5 years, 8 months ago
Hi

Wondering if you can help

I am trying to get my car insurance down, jumped up £150.00 this yr for nothing...does my head it

Do you have the legal expenses? mine on the renewal is £21.90 just wondering do i actually need this..silly question i know but does everyone else take this out?

I have tried for cheaper quotes on other sites and cant seem to beat it...or does anyone know of any good sites i can try

Thanks
lindseyanndavis Avatar
5y, 8m agoPosted 5 years, 8 months ago
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banned 2 Likes #1
when you need it you'll regret not having it
#2
no i don't bother
[helper] 1 Like #3
Some union memberships offer legal services for free or you may already have it with house insurance.........so check you don't already have it...

Edited By: gari189 on Mar 29, 2011 12:40
#4
If you have a no fault claim, it can be well worth the extra premium.
#5
Yes I had it, Never really wanted to pay for it, but my Dad drilled it into me that I HAVE to have it,

Been driving for 9 years now and 3 years ago I had to use it due to me being in a NON fault car crash resulting in injuries for myself and my 2 girls. Was only 5 days from my due date of my son, so greatful it happened when it did.

Anyways due to having legal cover I got the claim going and it was just easy not to have to worry about how much the whole claim would cost.

I always make sure i have legal cover on car insurance now after realising how it helps.
#6
You probably already have it on your household policy.
banned#7
mrtootough
You probably already have it on your household policy.


most the ones I've seen specifically exclude car accident type claims

OP don't go through quidco/TCB or comparision sites, if you go direct they are usually cheaper

http://www2.firstdirect.com/1/2/insurance/car-insurance

they will beat your written quote by 10% if its over £200 FC or £120 TPFT

Edited By: colinsunderland on Mar 29, 2011 13:41
#8
Year on year car insurance does usually increase (been driving 20 years). I ALWAYS pay the extra for legal cover. To date I've never needed it but I wouldn't consider driving without it. Don't forget before you renew your policy to check out cashback sites. My car insurance premium this year was £250, but by using topcashback I should get £60 back.....eventually.
#9
i would take it, its only a fw quid more to aan already stupidly priced insurance deal. and with the amount of idiots and the "no win, no fee" d**kheads about you would be wise to take it.

mrtootough
You probably already have it on your household policy.

Are you able to link your household policy to an driving accident?
#10
You don't need it at all. If you have an accident then you will have every man and his dog giving you a referral to a legal team.
If you want something in your back pocket for piece of mind then just sign up here

Update... Blast! just seen the note that they are not taking new members at the moment, watch this space...

Update... A quick google found another option here. I'm sure there are plenty more.

Edited By: melipona on Mar 29, 2011 14:57
banned#11
melipona
You don't need it at all. If you have an accident then you will have every man and his dog giving you a referral to a legal team.


if he isn't at fault, if he is at fault they won't be queing up to help him for free. Some policy's also cover for motoring offences/criminal charges too, which no win no fee cover you for that?
#12
colinsunderland
melipona
You don't need it at all. If you have an accident then you will have every man and his dog giving you a referral to a legal team.

if he isn't at fault, if he is at fault they won't be queing up to help him for free. Some policy's also cover for motoring offences/criminal charges too, which no win no fee cover you for that?


If you are paying for this type of insurance as an optional extra then maybe you should read the small print, the example below is from the AA website, a similar clause is in almost every insurance cover of this type, I have put in bold the important bit:

The AA Motor Legal Protection Insurance cover will assist the customer to recover uninsured losses that were incurred as a result of a motor accident involving the insured vehicle and where the other party is clearly to blame. Cover provides up to £50,000 of legal costs to recover these uninsured losses.







Edited By: melipona on Mar 29, 2011 15:38: ,
banned#13
melipona
colinsunderland
melipona
You don't need it at all. If you have an accident then you will have every man and his dog giving you a referral to a legal team.

if he isn't at fault, if he is at fault they won't be queing up to help him for free. Some policy's also cover for motoring offences/criminal charges too, which no win no fee cover you for that?


If you are paying for this type of insurance as an optional extra then maybe you should read the small print, the example below is from the AA website, a similar clause is in almost every insurance cover of this type, I have put in bold the important bit:

The AA Motor Legal Protection Insurance cover will assist the customer to recover uninsured losses that were incurred as a result of a motor accident involving the insured vehicle and where the other party is clearly to blame. Cover provides up to £50,000 of legal costs to recover these uninsured losses.



mine covers other legal expenses too, I'm at work though so can't have a proper look, but this one from the RAC provides up to £5000 over cover for prosecutions (where theres a reasonable chance of success) and legal helplines

http://www.rac.co.uk/insurance/accident-legal/legal-expenses/

Legal expenses protection, advice and peace of mind - from just £20 a year.

* Cover for up to £100,000 of legal costs after a road accident that wasn't your fault.

* Expertise around the clock: 24-hour legal advice on anything from divorce to motoring law.
* A replacement vehicle similar to your own.
* Up to £5,000 legal costs to help you defend a motoring prosecution (where we feel you have a reasonable chance of success).
#14
And that's my point, if there is a reasonable chance of success or it wasn't your fault then they will be falling over themselves to take your case, otherwise you are on your own.

You can pay for this service on a just in case basis if you want, or get it for free, I know what I choose to do.

Edited By: melipona on Mar 29, 2011 16:01
#15
#16
Not paid for it for 10 years now. Only been involved in one accident (not my fault) and claiming my excess back off their insurance was easy. One phone call, one letter and 4 weeks later a cheque arrived in the post. Insurance costs are getting a little silly now mine has gone up 130% in 2 years with no changes to my situation.
#17
I've got it, didn't even realise until I just read through my policy :)
#18
Up to £5000 legal cost. Thats the initial consultation covered then......

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