Legal cover. Is it worth adding to your policy?

It’s bad enough being involved in an accident, but if you're injured and it’s not your fault, you could be left facing massive bills not always covered by your normal motor policy.

But drivers can turn to Legal Expenses insurance to make sure they have peace of mind should the worst happen.

What is Legal Expenses insurance?

Legal Expenses insurance offers you the protection and cover you need to claim back certain losses that aren’t covered by your motor insurance policy. It will normally take the form of an optional Add-on to your existing motor policy.

Why do you need Legal Expenses insurance?

In most cases if you’re involved in an accident, you simply contact your insurer, and a payment is made to you for damage to the car or the cost of repairs. Most drivers are then concerned with their excess, but could face huge legal costs, if they are injured or if the other road user decides to take them to court.

What type of claims require Legal Expenses insurance?

If you’re injured in an accident, legal proceedings may be required to claim back damages for injuries suffered, which wouldn’t be covered in your normal motor insurance policy.

It can be a hugely expensive operation beyond the means of most people, but Legal Expenses insurance policy can offer up to £100,000 worth of legal fees, employing a team of specialist solicitors to represent you and advise you with your claim.

It may be you have large medical bills to pay as a result of an injury suffered in a crash, and the policy will cover the Legal Expenses required in sorting out your claim.

An injury might well mean a loss of earnings as a result of having to take time off work, while other expenses such as having to hire a replacement car or claiming for the vehicle policy excess may well be required.

For a comparatively small fee, in addition to your existing policy, Legal Expenses insurance can often be well worth the cost.

What doesn’t the policy cover?

The policy doesn’t apply when the accident is a fault claim. If you wish to pursue a claim the solicitors feel you will not win, then the claim for Legal Expenses will not be covered.

Legal Expenses cover is not a statutory requirement for motorists.

Like most insurance, you pay for the peace of mind, knowing you and your classic are as safe as you can be should the worst happen.

If you’d like to find out more about adding Legal Expenses cover to your policy, get in touch with us today on 01480 400 858.