Motor Legal Protection

Natalie8104

Can anyone help/direct me to an insurance company or broker where I can buy a decent motor legal protection plan?
I've been quoted £35 by my car insurance company and was told by a friend this was over the top.......... what's the view??????

stator

Do you really need it?
I don't have it.
Some people say that if you're in an accident that isn't your fault you can just use a no-win-no-fee solicitor.
Some people want the added protection, but I'm not sure there are many circumstances where you get more from a motor legal policy.
£35 is quite steep. You can get policies for £15+, but do they offer the same cover?
RAC used to offer it separately but don't anymore.

Natalie8104

I certainly feel I need the cover. There are many issues to cover on a no fault car crash (been there before)....
Why would I want to employ a no win no fee solicitor. The solicitors are the winner with no win no fee as they won't take the matter on unless the chances of winning are high.
Any views on good products would be appreciated.

csgohan4

some insurance brokers cover them for free, Adrian flux do it as standard For example, shop around

supersaver1000

I purchased Driver Guardian legal protection cover the other day. It was £20 for the year and it says:

"A money saving way to replace a more expensive policy sold
by your main motor insurance company.
Covers all the vehicles you drive."

I'm thinking about taking out their breakdown cover, which they've quoted me £70 for:
"We Only Sell Full Cover
Home start
Road side Assistance
Full Recovery
Onward Travel
Emergency Driver
Loyalty Discount
Renewal Reminders
No Auto Renewals"

I just thought it might be better to keep it all separate and hopefully cheaper.

I can't tell you what they are like as I've not had any call to use the policies.

stator

Natalie8104 wrote: »

I certainly feel I need the cover. There are many issues to cover on a no fault car crash (been there before)....
Why would I want to employ a no win no fee solicitor. The solicitors are the winner with no win no fee as they won't take the matter on unless the chances of winning are high.
Any views on good products would be appreciated.

I believe motor legal protection operate the same policy. eg they will only take your case if they think you have a 50%+ chance of winning.

Natalie8104

Yes I gather that some insurance companies/brokers include the cover as part of the insurance contract, rather than an "add on" but these policies are greater in cost regardless.
I did a load of quotes on a variety of comparison/aggregator sites to split out a number of options. From what I found, it's best to buy the covers separately. I'll do this with all insurance cover in the future!

Natalie8104

Thanks for this:
I did read the details/ as I found it on google. I looked at the cover from men online, driver guardian and best pricefs and decided the best pricefs cover and costs was the best for me.
Much cheaper than buying from the insurance company as an add on and easy to do, once I made the comparison of cover and costs.

Natalie8104

This isn't my understanding- regardless, I'd want to h w the peace of mind of cover for personal injury and protecting my policy excess in a non fault accident for £10 per year and not have a legal no-win-no-fee claims management company take a percentage of what they win. £10 for 25%-50% up claim- it's a no brainier to me!!
Saving the money and getting the cover I need is important to me and most people I'd say.

lisyloo

If you use a proper insurance company then you have a legal contract, this means they have to offer you the cover documented, they can't just decide not to like a no-win no-fee company. There is a free ombudsman to pursue your rights. There is also the FCA if they are authorised and regulated.

I used this company who meet those requirements and are good value for multiple vehicles

http://memonline.co.uk/

I have not claimed so I can't make a recommendation, but they meet the requirements I stated above and appear to be established.

OnanTheBarbarian

lisyloo wrote: »

If you use a proper insurance company then you have a legal contract, this means they have to offer you the cover documented, they can't just decide not to like a no-win no-fee company. There is a free ombudsman to pursue your rights. There is also the FCA if they are authorised and regulated.

I used this company who meet those requirements and are good value for multiple vehicles

http://memonline.co.uk/

I have not claimed so I can't make a recommendation, but they meet the requirements I stated above and appear to be established.

Having an underwritten product in place is no guarantee the case will get taken on. All motor legal expenses policies still state you need to have a case with "reasonable prospects of success" before the appointed lawyers will take the case on. This is the same criteria operated by no win no fee solicitors.

The fact is that £30 motor legal protection policies cost the insurer who sells you it about 50p. The reason they cost naff all is that the underwriters behind the policies never pay out any legal fees due to the "reasonable prospects" clause.

I can't go into much more details as certain forum members will get all excited and it always ends up messy.

I do have an interest in this area as I have involvement in a company that operates in this marketplace. I have 20+ years experience of working for law firms operating on the panel of legal expenses insurers and the bottom line is that the lawyers who act under these policies never get paid by the legal expenses insurers, they only get paid fees on the cases they win, by the insurers of the other party.

Motor legal protection is just a pure money spinner for insurers as they make up to a 6000% mark up on the policy when they sell it to you and then they make £££ from the lawyers who buy injury claims from them and credit hire companies who provide you with hire after a non-fault accident.