FREE Motor Legal Protection  for Cars + Motorcycles
225°

FREE Motor Legal Protection for Cars + Motorcycles

19
Expires on 02/11/2018Found 2nd Nov
OK, so maybe this is not a deal but i thought we should all be aware of this offer!
I'm one of the many thousands of us having to pay ever increasing Motor Insurance premiums every year, I have a car and 2 motorcycles and have religiously paid an extra £25 to £30 on each policy each year for Motor Legal Protection.

Motor legal insurance covers your legal expenses if you’re in an accident that wasn’t your fault, but you can get the same benefits and more by signing up to "Free Motor Legal"
I was told about this company that offer Legal Protection totally FREE for as many vehicles you have, and once registered with them they include family too.

In the event of an accident they will appoint specialist solicitors to recover your uninsured losses such as your Excess, Mobile phone costs, Substitute vehicle whilst yours is off the road. They take nothing from any monies they recover from you, and that includes all legal expenses.
You save £30 per vehicle you insure per year.

You don’t affect your no claims bonus.
You avoid paying an insurance excess.

Have a look for yourselves. Cheers..

Top comments

forums.moneysavingexpert.com/sho…475

This seems pertinent

There is a thread where a rep claims their free service is as good as the ones you pay for with your insurance. But after some scrutiny it turns out to be almost useless.

I think it turned out they wont help you if there was nothing in it for them. So they offered little more than any of the accident claims companies that rinf you out of the blue and tell you there is money waiting for you.
19 Comments

How do they fund the liability of paying legal protection costs?

Thanks for posting. I'll look into it because it seems too good to be true but it would save me a lot of money.

Interested too

davewave15 m ago

How do they fund the liability of paying legal protection costs?


Instead of your insurance company charging you for this who then farm your claim out to a claims company you deal direct with them and they take the commission.

forums.moneysavingexpert.com/sho…475

This seems pertinent

There is a thread where a rep claims their free service is as good as the ones you pay for with your insurance. But after some scrutiny it turns out to be almost useless.

I think it turned out they wont help you if there was nothing in it for them. So they offered little more than any of the accident claims companies that rinf you out of the blue and tell you there is money waiting for you.

Original Poster

davewave21 m ago

How do they fund the liability of paying legal protection costs?


It states that all costs are recovered from the Other parties insurance company

Original Poster

davewave4 m ago

http://forums.moneysavingexpert.com/showthread.php?t=5274475This seems …http://forums.moneysavingexpert.com/showthread.php?t=5274475This seems pertinentThere is a thread where a rep claims their free service is as good as the ones you pay for with your insurance. But after some scrutiny it turns out to be almost useless.I think it turned out they wont help you if there was nothing in it for them. So they offered little more than any of the accident claims companies that rinf you out of the blue and tell you there is money waiting for you.


I believe the point is that the Motor Legal Protection we all buy is just as useless if you are deemed to be at fault.

trizinger286 m ago

I believe the point is that the Motor Legal Protection we all buy is just …I believe the point is that the Motor Legal Protection we all buy is just as useless if you are deemed to be at fault.


I don't buy that insce, rather not not give these numpties my details, probably lots of spam calls after the accident.
Edited by: "davewave" 2nd Nov

Like you, I've never paid the extra premium for legal cover for many years now. Instead, if needed I intend to use one of the free legal recovery services provided these days.

I've never heard of registering with any particular service before hand though. I'll have to look into that.

Apparently, as I understand it the legal recovery company make their money by claiming their own expenses back from the other party.

Therefore, the only minor risk to consider is if the insurance company/court decides the accident was fully or partly your fault. In that case, I suspect any retained legal recovery company could come after you for their fees.

Ive already done this, signed up last year after reading about it in the newspaper (I think Express or Daily Mail) they will send out key fobs

Just also on this note ,alot of you motorists will already have motor legal protection through your union as I've just find out .

Interesting, thanks OP

Sounds very dodgy to me, are you committed to using this company if you sign up to them? Sounds like a dream come true for them! You can guarantee they won't help you if they aren't confident you'd win in court....

If true, then I can smell another PPI reclaim story coming...

Dealmessiah16 m ago

If true, then I can smell another PPI reclaim story coming...



I could see that weird sense of smell..

When you take out legal with your policy it costs them pennies, not saying this is any good but you can find much cheaper.

I posted this as a deal about a week a go and the mods took it down, Double standards.

Lol

Motor legal expenses is a pointless add on for most.
Some seem to think it covers them for fault accidents and associated legal costs - this is what your car insurance is for. Car insurance covers others' claims against you first and foremost, this is what the bare legal minimum third party cover is.
In cases where you're not at fault the other side's insurer will pay for your repairs, hire and injury. If you appoint no win no fee solicitors this should speed the process along as insurers don't want to incur the extra costs of going to court if their customer is clearly at fault.
If it's a split liability or 50/50 many motor legal expenses policies have a stipulation they won't cover these costs if chances of success are not more than 50%.
So all in all it's £30 for nothing you can't get from speaking to a few daytime TV advertising solicitors, who will act for you for free.
Edited by: "liuruiorp" 3rd Nov
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