FREE Legal Protection Insurance for CAR or MOTORCYCLE
279°Expired

FREE Legal Protection Insurance for CAR or MOTORCYCLE

26
Found 29th Apr 2012
I posted this a couple of years ago, but thought it worthy of a re-post.

When you go to insure your car or motorcycle the company or broker will usually try to sell you extra legal protection insurance at the same time (anything upto about £25)

YOU DON'T NEED TO PAY FOR IT! A company called Your Key give FREE legal protection cover separately regardless of who you're insured with.

I've had cover with them for several years now, saved me handing over unnecessary money to insurers on both my car & bike.

I've never had to use them (thankfully) & once you've joined you stay a member indefinitely (so you don't have to renew or anything each year).

They're no different to any of the other companies offering legal protection cover. Except that instead of asking for money off you up-front (for something that hopefully you'll never have to use). They wait until you do need them. Then earn their fee via commission from third parties.

yourkey.info/fro…ss/

26 Comments

Nice one OP

How do they make their money if you are at fault?
Edited by: "Cozworth806" 29th Apr 2012

Cozworth806

How do they make their money if you are at fault?



i was thinking this

if its your fault you admit fault dont you?

Original Poster

Cozworth806

How do they make their money if you are at fault?



From their website :

"You have to buy insurance on your bike or car to cover your liability to others. So when you say you are covered, it means you are covered against the claims of others. If someone else is to blame for an accident then you need independent help to fight your corner, and it is here that YourKey steps in to help.

First we check if you need help to recover a vehicle, or arrange for replacement or repair. Then we arrange for an experienced solicitor to fight for compensation for any injury and the inevitable loss and expense.

We will independently guide you through what can be a maze.

If there is someone to blame, you can be reimbursed for the cost of recovery. Hire and repair will be paid for by insurance company of the person at fault. You will not have to worry about legal fees, as your free legal cover deals with that.

If you are at fault we will advise you. We can arrange the services you need, but you or your insurance company will have to foot the bill.

So how do we do this. YourKey earns commission if we arrange services for you. These are the same commissions as your insurer or broker would earn, the difference being that YourKey makes no charge for your legal cover."

fantastic service from these ... also they have had a mention from iam couple of years ago ... best freebie ever imo

We are about to switch to a new website so please do not use this facility. The best thing to do is provide your details using our “change details” facility - yourkey.info/cha…ils - in the membership number box please add “NEW MEMBER”.

We will add your details to our database when we are able, and we will treat your membership as running from the time we received your details. We apologise for any inconvenience and look forward to you joining Your Key.

Is this really safe?

It's companies like this forcing up car insurance by increasing claim values, they make a fortune from kick backs from providing over priced hire cars and solicitors (ambulance chasers).

oddballjamie

It's companies like this forcing up car insurance by increasing claim … It's companies like this forcing up car insurance by increasing claim values, they make a fortune from kick backs from providing over priced hire cars and solicitors (ambulance chasers).


Don't they tell us it's uninsured drivers forcing up insurance premiums?
My old driving instructor told me many years ago to be careful of drivers from a particular continent as most of them drive uninsured especially the women. Still sticks in my mind whenever I see them.

Dude08

Don't they tell us it's uninsured drivers forcing up insurance … Don't they tell us it's uninsured drivers forcing up insurance premiums?My old driving instructor told me many years ago to be careful of drivers from a particular continent as most of them drive uninsured especially the women. Still sticks in my mind whenever I see them.


'They' tell us lots of stuff depending on what the agenda is at the time.
Fake PI claims are also a big factor, another thing companies like this try to convince customers they have. I've dealt with companies like this is the past and every call started with "How are you? Are you sure you aren't injured or emotional affected by the accident?" and ended with "If you feel any pain or discomfort or have trouble sleeping call us right away to make a claim."

This company is just anothermouth to feed in the event of an accident and you can bet that if it looks anything like a 50/50 or 'at fault' they willbe long gone.

Thanks

Hot ...,
The point is all the legal cover companies does the same job, regardless you pay for it or not.(all of them exaggerate claims , take your car for repair on Friday evening with a rented courtesy car etc...)

thanks op

Beware of these companies.

If you are make a claim through them and they do not recover the full amount from the other party, they will then bill YOU!!

Be warned.

Original Poster

Scotty7

Beware of these companies. If you are make a claim through them and they … Beware of these companies. If you are make a claim through them and they do not recover the full amount from the other party, they will then bill YOU!!Be warned.



As abynk above says - This company makes its money on a commission basis from other third parties it interacts with EXACTLY the same as all other legal cover companies. The difference being these don't also charge you an annual up-front fee.

oddballjamie

'They' tell us lots of stuff depending on what the agenda is at the … 'They' tell us lots of stuff depending on what the agenda is at the time.Fake PI claims are also a big factor, another thing companies like this try to convince customers they have. I've dealt with companies like this is the past and every call started with "How are you? Are you sure you aren't injured or emotional affected by the accident?" and ended with "If you feel any pain or discomfort or have trouble sleeping call us right away to make a claim."This company is just anothermouth to feed in the event of an accident and you can bet that if it looks anything like a 50/50 or 'at fault' they willbe long gone.


I can understand where you are coming from with that, but things are not that black and white, and the real cancer is in the whole insurance system, not in the ones trying to make the best of it. The reality is insurance companies take into consideration this kind of claims (I suffered emotionally and can't sleep at night) up to a very large amount, and you pay a premium for them included in your insurance premium. But even though you paid for that, they do not pay to you anything in most of the cases. So a solicitor is sometimes mainly just making sure you get what you are intitled in the first place. Cold, but true.

Avoid all such cowboys. They are only interested in overcharging the other party’s insurer for such things as recovery, vehicle storage and car hire. When it comes to reclaiming legitimate costs on your behalf they will let you down. They increase the cost of everyone’s insurance and serve only their own interests.

YOURKEY.INFO WHOIS
Updated: 1 second ago
Registrant Contact Information:
Name: Mark Thompson
Address 1: Anchorage
City: Torr Brixton Plymouth
State: DEV
Zip: PL82BD
Country: GB
Phone: +44.1752880521
Email: @markthompson8.wanadoo.co.uk

Administrative Contact Information:
Name: Mark Thompson
Address 1: Anchorage
City: Torr Brixton Plymouth
State: DEV
Zip: PL82BD
Country: GB
Phone: +44.1752880521
Email: @markthompson8.wanadoo.co.uk

Technical Contact Information:
Name: Hostmaster ONEANDONE
Organization: 1&1 Internet Ltd.
Address 1: 10-14 Bath Road
Address 2: Aquasulis House
City: Slough
State: BRK
Zip: SL13SA
Country: GB
Phone: +44.8716412121
Fax: +49.72191374215
Email: @1and1.co.uk

Billing Contact Information:
Name: Hostmaster ONEANDONE
Organization: 1&1 Internet Ltd.
Address 1: 10-14 Bath Road
Address 2: Aquasulis House
City: Slough
State: BRK
Zip: SL13SA
Country: GB
Phone: +44.8716412121
Fax: +49.72191374215
Email: @1and1.co.uk


Information Updated: Mon, 30 Apr 2012 22:51:31 UTC

Aeons ago I used to work in insurance and it was company policy to add Drivers Legal Protection to people's policies without telling them as though it was some kind of "tax." These policies are a scam in my view. Even if it is free it's a scam. Everything to do with lawyers is a scam.

3spartan

Aeons ago I used to work in insurance and it was company policy to add … Aeons ago I used to work in insurance and it was company policy to add Drivers Legal Protection to people's policies without telling them as though it was some kind of "tax." These policies are a scam in my view. Even if it is free it's a scam. Everything to do with lawyers is a scam.



I agree with you, but when you involved in an accident then other party may be using the biggest scammer. You need someone in your side.And it is free , you only need to use them when necessary.

Thanks OP.

...

umm interesting, should I?

Joey Bloggsy

umm interesting, should I?



Was just thinking the same,

thanks my insurance always cons me into getting this

Just taken delivery of some cards for the service. Can't remember signing up but guess I did. lol
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