Cheap Motor Legal Protection from £15
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Cheap Motor Legal Protection from £15

19
Found 30th Nov
I would hazard a guess that most of us, who drive and insure a car take out Motor Legal Protection. Were you even aware you could get it elsewhere and it didn't have to be with your Insurer. Even better you have the option to pick who and odds on it will be cheaper. Especially for any homes with 2 or more cars.

With Driver Guardian, you insure the person, not the car.
We were looking at about £25 per car policy to add this.
I've just added it for £18 for my Mrs and myself.

The costs seem to be: -
1 person - £15
2 people - £20
3 people - £25
4 people - £30
5 people -£35

Are they the cheapest, not sure. I used them last year and my renewal price gave me another 10% off. So £18 this year is cheap. What I do know is that if this raises awareness that you can shop about then job done.

19 Comments

Its a con anyway, if it was essential then it would be mandatory in our insurance, plus loads of firms offer it for free

Google Free motor legal protection

Free Motor Legal | A free membership site for savvy motorists



Goodnight
Edited by: "TN567" 30th Nov

I could not find the T & C's for driverguardian.co.uk on their website, which I find a bit worrying. It seems they expect you to contact them before you find out. I am a member of freemotorlegal.co.uk/ which is free motor legal protection. What the difference is between the two is something you might want to research.


Also driverguardian do comprehensive breakdown cover from £65 but AutoAid do the same for around £40 - see details on their website or MSE's website. I have been a member of AutoAid for years because I have always been happy with them.
Edited by: "RayB" 30th Nov

It's what you have insurance for... no need to pay extra !

Original Poster

RayB11 m ago

I could not find the T & C's for driverguardian.co.uk on their website, …I could not find the T & C's for driverguardian.co.uk on their website, which I find a bit worrying. It seems they expect you to contact them before you find out. I am a member of https://www.freemotorlegal.co.uk/ which is free motor legal protection. What the difference is between the two is something you might want to research.Also driverguardian do comprehensive breakdown cover from £65 but AutoAid do the same for around £40 - see details on their website or MSE's website. I have been a member of AutoAid for years because I have always been happy with them.



Bottom of website - driverguardian.co.uk/terms
Click on Policy you want then press the Policy Wording button- driverguardian.co.uk/doc…pdf

Original Poster

RoosterNo16 m ago

It's what you have insurance for... no need to pay extra !



Do they always cover solicitor fees without the legal protection. Most insurers seem to offer it as an extra.

Original Poster

TN56718 m ago

Its a con anyway, if it was essential then it would be mandatory in our …Its a con anyway, if it was essential then it would be mandatory in our insurance, plus loads of firms offer it for freeGoogle Free motor legal protectionFree Motor Legal | A free membership site for savvy motoristshttps://www.freemotorlegal.co.ukGoodnight



Motor Party Motor Insurance is mandatory, fire and theft, comprehensive, solicitor fees etc. isn't.

Free is a good price but is it really? No Win No Fee springs to mind.

Glad to see alternatives. If anything it highlights that it isn't compulsory through your Vehicle insurer.

I’ve always avoided the legal cover and thought to myself if ever I needed to make a claim, I would use a no win, no fee lawyer. After reading these comments, maybe I should reconsider.

Original Poster

beardedbenito15 m ago

I’ve always avoided the legal cover and thought to myself if ever I needed …I’ve always avoided the legal cover and thought to myself if ever I needed to make a claim, I would use a no win, no fee lawyer. After reading these comments, maybe I should reconsider.



It is one of those personal choice things. I've always taken it but also identify you don't have too.
Solicitors fees scare me more than car repair costs

No Claims Discount Protection, is a different story. I don't take it.
Tends to add 20% o policy costs. However if you claim, you only lose 2 years no claims.
Which typically is 65% down to 50%, based on 1yr 30%, 2yr 40%, 3yr 50%, 4yr 60%, 5yr 65%.

beardedbenito15 m ago

I’ve always avoided the legal cover and thought to myself if ever I needed …I’ve always avoided the legal cover and thought to myself if ever I needed to make a claim, I would use a no win, no fee lawyer. After reading these comments, maybe I should reconsider.


Just get the free one mate its fine

Oneday774 m ago

It is one of those personal choice things. I've always taken it but also …It is one of those personal choice things. I've always taken it but also identify you don't have too.Solicitors fees scare me more than car repair costs No Claims Discount Protection, is a different story. I don't take it.Tends to add 20% o policy costs. However if you claim, you only lose 2 years no claims.Which typically is 65% down to 50%, based on 1yr 30%, 2yr 40%, 3yr 50%, 4yr 60%, 5yr 65%.


As far as im aware you dont lose any no claims, hence the protection. It costs £50 extra per year for me and I think its worth it, as my brother will let you know

He had 9yrs no claims without protection, he hit someone, lost 5 yrs so he asked to protect, they dont protect for at least 1 yr after an incident, and he slid into someone on ice 3 months later

9yrs no claims down the swanny, getting quoted 17yr old new driver quotes

Original Poster

TN5675 m ago

As far as im aware you dont lose any no claims, hence the protection. It …As far as im aware you dont lose any no claims, hence the protection. It costs £50 extra per year for me and I think its worth it, as my brother will let you knowHe had 9yrs no claims without protection, he hit someone, lost 5 yrs so he asked to protect, they dont protect for at least 1 yr after an incident, and he slid into someone on ice 3 months later9yrs no claims down the swanny, getting quoted 17yr old new driver quotes



Well the last I checked, it was 2 years you lost. I'll need to check up again.

Quick Google :-
moneysupermarket.com/car…rk/
admiral.com/mag…us-
Edited by: "Oneday77" 30th Nov

I think the RAC do a similar cheap 'stand alone' legal policy, worth a check if you're considering this.

Oneday776 h, 45 m ago

Well the last I checked, it was 2 years you lost. I'll need to check up …Well the last I checked, it was 2 years you lost. I'll need to check up again.Quick Google :- https://www.moneysupermarket.com/car-insurance/articles/how-do-no-claims-discounts-work/https://www.admiral.com/magazine/car-insurance/how-the-no-claims-bonus-


Pretty sure it's 3 year you lose now. Either way protecting no claims is a big con anyway

TN5676 h, 50 m ago

As far as im aware you dont lose any no claims, hence the protection. It …As far as im aware you dont lose any no claims, hence the protection. It costs £50 extra per year for me and I think its worth it, as my brother will let you knowHe had 9yrs no claims without protection, he hit someone, lost 5 yrs so he asked to protect, they dont protect for at least 1 yr after an incident, and he slid into someone on ice 3 months later9yrs no claims down the swanny, getting quoted 17yr old new driver quotes


I always get a better price with putting 0 no claims

Start Rescue offer it free with their breakdown policies

We use Driver Guardian. It uses DAS which is the same policy that my car insurers wanted £30+ quid for. I now pay £20 (for 2 people) and it covers 3 cars and a motorbike.

Have also used Driver Guardian for their breakdown cover (which covers EU) for when we took one of our cars to France.

For the person saying they couldn't find the policy details its here driverguardian.co.uk/doc…pdf

Not that diffcult to find (clicking on the "Policy Wording" button did the trick for me)

TN56730th Nov

As far as im aware you dont lose any no claims, hence the protection. It …As far as im aware you dont lose any no claims, hence the protection. It costs £50 extra per year for me and I think its worth it, as my brother will let you knowHe had 9yrs no claims without protection, he hit someone, lost 5 yrs so he asked to protect, they dont protect for at least 1 yr after an incident, and he slid into someone on ice 3 months later9yrs no claims down the swanny, getting quoted 17yr old new driver quotes



5 years is the most you'll get a discount for anyway. He's saved 500 quid by not protecting and if he's over 30 he should be able to find a reasonable quote. 2 accidents in a year is unlucky but he won't be much worse off.

Can somebody explain to me any kind of scenario where this motor legal protection would be useful to have? As we all have to have third party cover by law, when would it actually be used?

Original Poster

dave8045 m ago

Can somebody explain to me any kind of scenario where this motor legal …Can somebody explain to me any kind of scenario where this motor legal protection would be useful to have? As we all have to have third party cover by law, when would it actually be used?


third party cover is to payout for any damage or injury’s you may cause to a third party. However it does not cover you for claiming costs for loss, time off etc from a third party. Insurers deliberately make it awkward to claim against them and try to limit what they think you can get.
Like all legal matters. A solicitor would help you get the best result for you.
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