Car and Home Legal Cover

UrbanGorilla

Hi all

I am really lost to understand the follwing questions:

1- What's the difference between car and home legal cover??? the details on my Churchil policy are very vague.

- Churchil states that my home policy "will cover any motoring prosecutions".

- If my car is covered by the above, do I need a seperate legal cover for it?

2- If myself and my wife have two joint car policies, do we need to have two car legal covers?? Churchil are vague and they avoiding a straight answer. I was told by them that the legal cover is on the policy holder and not the car, therfore, from my understanding one single car cover should be enough!

Thanks for your help.

lisyloo

1) Legal cover on the car is for recovering your uninsured losses in a motor vehicle accident. This includes personal injury, time off work, excess and possibly clothing, contents & accessories (if not covered on the policy).
Generally they don't cover motoring convictions.

Home cover, covers you for personal injury (not as a driver or passenger), consumer disputes e.g. faulty goods, exmployment issues, taxation e.g. investingation by the inland revenue and criminal prosecutions.
This list isn't exhaustive but it gives you an idea.

2) I think you need to pay for it twice.
Here's their document
http://www.churchill.com/pdf/car_policy_CHM04.pdf

They refer to "Your Vehicle" on page 4 which is the one insured.

Your vehicle Any private motor vehicle insured under this policy
and described in the Certificate of Motor Insurance. In Sections B
‘Damage to your vehicle’ and C ‘Fire and theft’, the term ‘vehicle’
also includes its accessories and spare parts, whether they are on
or in the vehicle, or in your locked private garage.

I would believe what you see on paper and not what the call center tell you (unfortunately).
If you do go ahead on the basis of call center advice then ask them to put it in writing.

UrbanGorilla

Thank you very much lisyloo.