not sure if this is right place for this?
Is Car insurence Legal cover, is it worth the £30 extra?
I renewed mine today and opt'd out (like most years), coz i hate paying insurence, and dont want to give them any extra.
However the women on phone said that if i had accident, i had to pay excess, even if not my fault - which i understand. but she said I could not get the excess back without legal cover is this correct? if so why?