Legal Cover for Your Car Insurance. Please Help.

hanzor

My car insurance is due for renewal, and I was hoping you guys could help me. Do I need to take legal cover out with my car insurance policy? Or is there a cheaper way by taking out as stand-alone cover from a separate provider? If so, who?

Any info would be much appreciated as I'm hoping I can save a few quid as well as recommend the option to my mum!

Thanks

lisyloo

Have a look at
https://www.matthewsguide.co.uk

I don't have this policy so it's not really a recommendation but I believe it's similar to what is offered with car insurance.

herecomesthesun

Hi they are pretty much all the same and should cost around £20 per annum. I would always advise to buy this espec if you only have TPFT cover as it gives you alot of protection for many things. In the case of TPFT cover if you have an accident that wasnt your fault they will assist you with things like courtesy car, loss of earnings, expenses etc.

Clive_Woody

Have a close look at the policy a lot of them state they will only persue a claim if in their opinion there is a good chance of winning (no doubt worded better, but hopefully you see where I am going). For claims that could go either way they will probably not cover you, even if you feel strongly that you are in the right. They decide if a case if going to be followed up with this cover, not you.

For claims where the outcome is already pretty obvious I suspect most no-win no-fee legal bods would take on the case if the other insurer refused to pay out anyway.

On the advice of my FIL who worked for a very long time in Insurance I tend not to bother with this add on to your policy.

It would also be worth checking as you may already have legal cover on your home insurance which would cover certain eventualities.

lisyloo

It would also be worth checking as you may already have legal cover on your home insurance which would cover certain eventualities.

You should check your own policy, but mine have always excluded accidents whilst you are a "driver or passenger of a motor vehicle".
My own interpretation is that you'd be coevered as a pedestrian or cyclist n a motor accident but not as a driver.

So on the whole I don't think there is an overlap.

Agree with what Clive says though.