Legal cover with car insurance

DCFC79

Im looking for some car ins and thought about legal cover and could i use the legal cover that comes with the house insurance, ill check the docs we have for the house but wanted to know if i could do it.

Quentin

"Legal cover" with car insurance is usually for uninsured loss recovery.

ie If you are involved in an incident where the third party is to blame you can use it to pursue the third party to get back your excess/loss of earnings/compensation for injury etc.

lisyloo

All house insurance policies I've had before exclude "whilst driving or a passenger in a motor vehicle".
So in generaly I think the answer is NO but do check your docs in case yours is different.

In a lot of cases you can instruct a "no win no fee" lawyer to pursue the 3rd party on your behalf.
They will be interested if there is a personal injury case, probably not if it's just your excess.

You can also try to claim back costs yourself but bear in mind you could be in hospital and you also won't have any legal knowledge required to deal with slippery insurers or individuals and it could be some hassle to deal with them.

If you have an insurance broker then you could ask them for a "family legal cover" policy.
I have one and it covers house, bikes and cars for one fee, but I'm pretty sure you'll have to get it from a broker as I don't think these are available direct.
Personally I prefer to have the policy as there is someone else with the legal knowledge to do the legwork and you can't get everything done on a "no win no fee" basis. For example they are unlikely to want to pursue your excess as they won't get any fees for that.