Car Insurance Extras

Marvel1

Is it really worth having these extras:
Legal Cover
Personal Accident Cover
etc

Are they just extra ways for the company to make money?

austin

legal cover yes, but personal accident cover you dont need. if you were to have an accident, there are plenty companies that will trip over each other to get you compensation.

dacouch

austin wrote: »

legal cover yes, but personal accident cover you dont need. if you were to have an accident, there are plenty companies that will trip over each other to get you compensation.

Not if the accident was your fault

oxster

Has anyone here actually used the legal cover I’ve heard people saying that unless you have a guarantee of a win in court the insurance company won’t fight on your behalf and just go 50/50 with the other insurer if there’s a dispute? Is this true?

Ebe_Scrooge

Legal cover can be useful for things like if you're hit by an uninsured driver - they will fight your case and get compensation for you. It's true that it won't help in most "knock-for-knock" cases, but the cover is usually not that expensive. It's entirely up to you, you need to weigh up the cost vs the potential benefit. The same could be said for whether you choose third party or fully comp. insurance. If you never use it, it's a waste of money, but it can be invaluable if you need it.

lisyloo

No insurer, solicitor (paid or unpaid) will take a case to court if they think it's likely you will lose.
If you are paying them they would advise you not to go.
If it's "no-win no fee" then they won't take the case on.

Doesn't matter which route you go, they simply won't waste money (yours or theirs) if there isn't much chance of winning.

If you are paying then of course you can make your own mind up and go against your solicitors advice if you wanted but for most ordinary folks that's not financially viable.

So yes, don't expect an insurer to fight a case they don't think is winnable.
Seems perfectly logical to me.