Legal services on car and house insurance

Oofy

Hi. This is my first ever post! I am due to renew my car insurance but I'm not sure if I need to add legal services which is an extra £27. I will have the same dilemma when I renew my house insurance too. I heard that as I am in a union, they would cover any legal services should I require them. Can anyone please verify this? Thanks.

InsideInsurance

They explicitly exclude each others cover so you cant just go for one and have full coverage.

You'd need to check with your union what they offer to you in terms of legal advice, representation and any percentage of awards they retain

OnanTheBarbarian

Maybe worth paying for legal cover with home insurance as it does cover a variety of areas such as employment law, general consumer law, boundary disputes etc (subject to terms and conditions)

Paying for motor legal cover though is a mugs game and a quick google search will show areas where you can either pay a lot less than the usual £30+ insurers like to charge, or even get it free.

Check with your union though and make sure their solicitors don't want a share of the winnings on say injury claims

thenudeone

If you are (or have ever been) a civil servant, government employee or work for a company doing ex-civil service work (eg: Serco, Capita, etc) or a ex-nationalised company (such as Royal Mail or BT) you can probably join http://www.csmaclub.co.uk/ for £18 a year which includes motor legal cover for you plus a spouse.