Legal cover for car insurance - Buy separately?

Quentin

No .

rs65

pool-hustler wrote: »

I don't see what is wrong with this free insurance using no fee solicitors. I think this will do

It is not insurance. An insurer is authorised and regulated by the FSA. If anything goes wrong you are entitled to turn to the FOS. You may also be covered under the FSCS.

An insurer has an obligation to provide the cover for the period (usually 12 months) that you have paid for.

There is no guarantee that the non-insurance providers will still exist when you need them. Strangely though, the one you mentioned allows you to cancel your subscription by sending an email. Their terms do not allow them to cancel.

The insurance products I have looked at apply EU wide - not just England, Wales and Scotland.

pool-hustler

so basically legal protection is a load of rubbish.

For instance, I had my car keyed. Should the legal protection prevented this being my claim and got the MIB to take it (or whatever. I've no idea what I'm going on about TBH)

rs65

pool-hustler wrote: »

so basically legal protection is a load of rubbish.

For instance, I had my car keyed. Should the legal protection prevented this being my claim and got the MIB to take it (or whatever. I've no idea what I'm going on about TBH)

Eh? Any type of legal protection only applies if there are decent prospects of recovery.

MIB gets involved where claims arise through uninsured or unidentified motorists.

Quentin

pool-hustler wrote: »

so basically legal protection is a load of rubbish.

For instance, I had my car keyed. Should the legal protection prevented this being my claim and got the MIB to take it (or whatever. I've no idea what I'm going on about TBH)

If the damage was done by an unidentified and untraceable third party then no solicitor could stop your claim for the repairs being a fault claim. (The mib wouldn't help either)

pool-hustler

so all in all. It's just a con?

BertTheRaccoon

Quentin wrote: »

When in a position to be using no win no fee solicitors, you don't need to have had any insurance in place at all! Using this "free" insurance just ensures you are a captive client for the "free" insurer to sell on to his associated claim handling firm!

When you need a no win no fee solicitor, google cash back claim solicitors to find reputable firms who will pay you a commission (£100s) just for instructing them (thereby cutting out them having to pay the middle man "free" (or paid for) insurance's referral fee) on top of any compensation they win you.

This will work up until April, then there will be no solicitors giving new clients a bung. All you could possibly get in that situation is an "advance" paid to you by the solicitor from your potential damages once the third party insurers admit liability.

Quentin

Still no valid reason why anyone should sign up to companies like the one you mentioned earlier in this thread!

BertTheRaccoon

Quentin, why so bitter?

Your view seems to be:

1- Buy BTE cover, or
2- Don't buy BTE and use a no win no fee solicitor

Opting out of purchasing BTE legal expenses cover, be it through your insurer or broker, or going standalone or leaving your future hopes of claiming back uninsured losses (where no injury is claimed) in the hands of a no win no fee lawyer isn't going to get you anywhere is it. Unless you want to fight the world yourself, which not many people can be bothered to do or are simply not equipped to do.

The company mentioned previously in this thread offer an alternative. So it's not for you, but please post constructive comments.

You have a high post count on here and that may give some posters and readers the impression that you have some kind of authority level of knowledge on such issues.

We got off on the wrong foot when I joined this forum. I had forgotten about that.

Quentin

BertTheRaccoon wrote: »

Quentin, why so bitter?

Your view seems to be:

1- Buy BTE cover, or
2- Don't buy BTE and use a no win no fee solicitor........

The company mentioned previously in this thread offer an alternative. So it's not for you, but please post constructive comments........

We got off on the wrong foot when I joined this forum. I had forgotten about that.

Where have I anywhere given a view that BTE cover should be bought? Or entered into?

You seem to be suggesting that your post pointing out referral fees won't be paid from April is enough reason to sign up with your company, which you have cynically plugged throughout this thread - despite your assurance after getting banned and reinstated that you would just come here and "participate in debate"

(And we didn't get off on the wrong foot at all - you were upset that your cynical attempts to promote your own company were exposed.)

You conveniently seem to have forgotten you originally used this thread to cynically advertise your own company, and were subsequently banned!

Yet here you go again. Expect the reasons why people should look elsewhere for their "legal cover" than via your company to get voiced (as you will see, not just by me) each time you introduce the suggestion!

To suggest I should only post constructive comments (or not at all) about it is clearly you attempting to stifle criticism!