Motor Legal Protection

sabsharpe

Hi Bert

eSure allowed me to cancel the £30 add on as it was within 14 days of the policy start date.

So I got back £30 and spent £15

Does anyone not agree that spending £15 for the policy is much better than the £30 charged by insurers. The price seems to have crept up massively over the last few years.

Bit like getting your mobile phone insurance from your phone provider but finding it much cheaper elsewhere if you go to an insurance specialist.

Would others not consider doing the same thing at renewal?

Cheers Steve

Quentin

sabsharpe wrote: »

.....Would others not consider doing the same thing at renewal?.....

Renewal seems so faraway.

Just have to hope someone keeps bumping this thread so we all see it when we are about to renew.

sabsharpe

Is this not a forum for people to discuss money saving ideas and pass them on to others?

This was a genuine posting from a new user who searches MSE for advice all the time and thought that I'd contribute something back for a change.

I am starting to wish I hadn't bothered!!

I don't have any ties to the company I commented on and just thought it was a better way of having the costs of an expensive Add On.

So other than the £7.50 version is a gamble to loosing 25% of any person injury claim nobody has added any for or against for the £15 policy which to me does pretty much the same as your insurers policy for around half the price??

rs65

Some policies provides a legal helpline, costs defending motoring prosecutions and costs in dealing with motor related disputes.

From what I can see, you have bought a simple uninsured loss recovery service.

BertTheRaccoon

rs65 wrote: »

Some policies provides a legal helpline, costs defending motoring prosecutions and costs in dealing with motor related disputes.

From what I can see, you have bought a simple uninsured loss recovery service.

Such policies aren't served up for £30 though that often are they?

A regular ULR policy, like the Original Poster is drooling over are as valuable as a cup of cold wee wee. They are a claims capture mechanism and with Qualified One-way Costs Shifting, are pretty pointless now as far as protecting you against third party costs exposure should you lose at trial as such protection is not needed.

Still, as long as people continue to part with money for motor LEI, the insurers will be happy to serve it up.

rs65

BertTheRaccoon wrote: »

Such policies aren't served up for £30 though that often are they?

I have no idea.

The question was about the £15 policy doing the same as his last one. He has saved £15 and lost prosecution costs.

I have no idea what these cost and never take them out.

BertTheRaccoon

Sorry I'm not being pedantic and my previous post may have seemed abrasive, which was not my intention. However, I can't see anywhere that the OP mentioned he had motor prosecution defence cover with his original policy.

rs65

BertTheRaccoon wrote: »

Sorry I'm not being pedantic and my previous post may have seemed abrasive, which was not my intention. However, I can't see anywhere that the OP mentioned he had motor prosecution defence cover with his original policy.

He didn't, but he did say he was with Esure.

sabsharpe

OK I will simplify my questions and stop "drooling" order the saving I thought I'd found.

1) Should we motorists take out the Motor Legal Protection cover in case we are hit but an uninsured driver or suffer a personal injury?

2) Is the £15 policy offered by Driver Guardian equal to the £30 one offered by most insurers and in my case eSure?

Any help / discussion welcome.

BertTheRaccoon

I can't respond to your post as to give a truthful reply to question 1 will just end up me self-promoting a business I am involved with and that seems to conflict with forum rules, despite this being a money saving website.