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    Should I Buy Legal Asissistance with my Car Insurance?

    Just looking on line to renew my car insurance, £25 extra for Legal Assistance, don't know much about this, any good? Worth gettng?

    17 Comments

    I don't bother anymore. The only use I can see is that if an uninsured driver hits you and you claim the legal assistance will try and get your excess back of that person. Which to be honest is very unlikely to happen.

    PS I do hope you have checked quidco for cashback deals. They are not as good as last year but could still be up to a third of your policy cost.

    Original Poster

    One more question, on the comparison websites AA car insurance will work out cheaper 'IF' Quidco tracks, will it track if i clear cookies then buy through Quidco even though i have used the comparison website? Thanks

    nadss;4636424

    One more question, on the comparison websites AA car insurance will work … One more question, on the comparison websites AA car insurance will work out cheaper 'IF' Quidco tracks, will it track if i clear cookies then buy through Quidco even though i have used the comparison website? Thanks



    yes if you have cleared your cookies it will.
    the price may be differnet if you do a new search via quidco as the price comp. sites sometimes get a slight discount because of the customers they bring.

    Even if you do that, some cashback payments havent been paid to the correct cashback company, and have been paid to the price comparison site instead. If i were you, use a different name/address to obtain quotes, or use a different pc all together between getting quotes and obtaining cashback. Its a lot of money to lose.

    we got 70 from morethan was quite surprised it tracked!

    nadss;4636424

    One more question, on the comparison websites AA car insurance will work … One more question, on the comparison websites AA car insurance will work out cheaper 'IF' Quidco tracks, will it track if i clear cookies then buy through Quidco even though i have used the comparison website? Thanks



    Personally I treat cash back as a bonus and not an incentive to buy. Cash back can never be guaranteed so it should not be the primary purchase driver.

    I got £100 off mine last year with privilege which made it £28 for the year. Not done so well this year only £45 with LV.

    OP have you tried direct line as they are doing 12 months for 10 at the moment.

    No. Waste of money IMO.

    just insured myself and the mrs with the CO-OP was over 100 squid cheaper than any compare site could do plus its tracking at £75 on Quidco!!!!

    I wouldn't buy this add-on.

    Btw, after checking ALL the available quidco deals this year (this week actually), my renewal with Churchill was still the cheapest available this year. MoreThan were the worst. £148 more than my renewal before cashback. Last year with the quidco cashback I got churchill for something like £50. No such deals available this year that I could find - ended up paying £151, which isn't too bad considering it's a BN car....

    more than was cheapest for me last year and quidco tracked at £80 , i buy legal cover although im not really sure why !

    GAVINLEWISHUKD;4636422

    I don't bother anymore. The only use I can see is that if an uninsured … I don't bother anymore. The only use I can see is that if an uninsured driver hits you and you claim the legal assistance will try and get your excess back of that person. Which to be honest is very unlikely to happen.


    This isn't actually correct. The legal cover will claim against insured drivers.
    What you have to weigh up is how much you may be out of pocket following an accident. You need to account for all uninsured losses (ie those not covered by your policy) These could be policy excess, loss of earnings, alternative car hire or repair costs if you only have third party cover.
    The legal cover will allow a representitive to excercise your legal rights of recovery against the guilty party.
    Without it, you're on your own in claiming from the other side which could be a very long and drawn out process.
    I always recommend it to my clients unless they are lawyers themselves and 95% of them have it once I explain to them what it actually does.
    Hope this helps :thumbsup:

    marktuck;4636891

    This isn't actually correct. The legal cover will claim against insured … This isn't actually correct. The legal cover will claim against insured drivers.What you have to weigh up is how much you may be out of pocket following an accident. You need to account for all uninsured losses (ie those not covered by your policy) These could be policy excess, loss of earnings, alternative car hire or repair costs if you only have third party cover.The legal cover will allow a representitive to excercise your legal rights of recovery against the guilty party.Without it, you're on your own in claiming from the other side which could be a very long and drawn out process.I always recommend it to my clients unless they are lawyers themselves and 95% of them have it once I explain to them what it actually does.Hope this helps :thumbsup:



    Yes you probably spot on with that it was just my take on it. My policy doesn't have any extras like a hire car and loss of earnings not be a problem as I don't need to use the car for work just for being lazy! So for me it would be the £250 excess. But touch wood never had an accident in my 12 years of driving.
    And as my insurance is only around the £130 for the year less cashback I cant see the need of it for an extra £25. But as with everything you take your chance.

    Banned

    For household insurance, this bolt on is a must. However for car insurance I'd say it was a complete waste of money.

    A fair while back, my car was nicked. The guy who stole it got caught (after using it in a robbery).

    Since my insurance no claims obviously took a hit for this, I contacted them about persuing the crook (and make him pay rather than me! - Which afterall is what this bolt is for - right?) The result - they did nothing. I've never bought it since.

    Morning nadss, think its a case of people who have had it and had no need to use it will think its a waste of money and those that have wont. If your going to get cashback then Id say your not really paying for it so might as well. My personal experience is I couldn't have done without mine. Three years ago I whilst I was driving as normal a car drove out of a side street at about 35mph, straight out into flowing traffic and straight into me, took my car into a wall, reversed and drove off. My legal cover proved invaluable and I dont know what I would have done without it. Honestly I'd say it was worth it.:):)

    Original Poster

    Just logged on and saw all your replies, thank you so much lovely people lots of very good advice, will repp as many ppl as i can. Comparison site still cheaper then going through Quidco with the checks i've done so far, still looking
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