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Standalone Uninsured Loss Recovery (ULR) / Legal Expenses Insurance (LEI)

jonathon01
jonathon01 Posts: 76 Forumite
in Insurance & life assurance
Hello,

I am buying a car insurance policy. The insurance company is offering Legal Protection for an additional £25/annum.

Does anyone know where I can buy this protection as a standalone policy from another provider as I am sure one must be able to buy decent cover for less than £25/annum? The policy is to cover a standard, private individual. I have searched google.co.uk thoroughly but can't seem to find any companies offering such insurance as a standalone policy, which can't be right, surely?!

Thank you.
«1

Comments

  • *MF*
    *MF* Posts: 3,113 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi ... I suggest you phone a Broker, there are Companies offering standalone cover, one such is DAS, and there are others.

    Cost? Don't know, and the range of cover will differ, and depends on what you decide you want/need - thus the suggestion to contact a Broker.
    If many little people, in many little places, do many little things,
    they can change the face of the world.
    - African proverb -
  • Astaroth
    Astaroth Posts: 5,444 Forumite
    If you search online you will find places that will give you motor legal expenses free of charge - it really is that profitable a product.

    Legal expenses cover attached to other policies like home are different though. I did once see a stand alone policy that covered more or less what all the separate ones would but it was about £100 a year.
    All posts made are simply my own opinions and are neither professional advice nor the opinions of my employers
    No Advertising or Links in Signatures by Site Rules - MSE Forum Team 2
  • gizz_mo
    gizz_mo Posts: 110 Forumite
    The RAC offer it for £15 for members..
  • dacouch
    dacouch Posts: 21,636 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Lisy lou knows a company that offer a standalone policy that is a good price and standalone, looks like she is away as she has not posted for a few days, she will post the details when she is back no doubt
  • 10_66
    10_66 Posts: 3,462 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    dacouch wrote: »
    Lisy lou knows a company that offer a standalone policy that is a good price and standalone, looks like she is away as she has not posted for a few days, she will post the details when she is back no doubt

    I think the one mentioned in lisyloo's post #12 of THIS thread may be the one you refer to.
  • jonathon01
    jonathon01 Posts: 76 Forumite
    Thank you for your replies.

    I saw DAS and http://www.composite-legal.com/1/welcome-to-composite-legal-expenses but don't seem to be able to see how you get an online quotation. These sites seem to be aimed at intermediaries. I just don't seem to be able to find the intermediaries' sites from which I can get figures etc. Am I being stupid and missing something or putting the wrong search terms into google UK?!
  • lisyloo
    lisyloo Posts: 30,077 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 25 January 2010 at 5:27PM
    No, you're not being stupid, it's generally not sold as a retail product.
    I have this one for £12 from payless and it covers motor(s) and home, so it's all in.
    http://www.payless.me.uk/clubspecial.htm
    He gives it away free with his "club" becuase the regulatory requirements to actually sell it are quite expensive.

    No connection, No kickback, but I'm happy with it and it saves me quite a bit on buying 4 seperate home and vehicle based policies (circa £100).
    Some people would tell you not to bother and go "no win no fee".
    Personally I'd rather have the option of insurance, but it's a possible route to consider.
  • jonathon01
    jonathon01 Posts: 76 Forumite
    Thank you, lisyloo.

    It is surprising that there aren't insurers offering these products as standalone policies. I guess they have an interest to not promote competition!
  • 10_66
    10_66 Posts: 3,462 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 13 July 2010 at 6:45PM
    lisyloo wrote: »
    ...I have this one for £12 from payless and it covers motor(s) and home, so it's all in.
    http://www.payless.me.uk/clubspecial.htm
    He gives it away free with his "club" becuase the regulatory requirements to actually sell it are quite expensive...

    lisyloo, do you know of anyone else who provides this cover, as this offer is currently only available for existing members? I'll go down the route of contacting the insurance company themselves if not, just wondered if you knew off hand.
  • lisyloo
    lisyloo Posts: 30,077 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Sorry I don't know.
    I believe that insurance company will only sell via intermediaries.
    Do you have a local insurance broker you can ask?
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