Is Motor Legal Insurance worth it?

Marvel1

It was for me to claim back my £400 excess in 2016.

Another vehicle hit mine parked outside my house (write off) had a cheque minus the excess, filled in form, couple weeks later another cheque for £400.

EdGasketTheSecond

jk0 wrote: »

My mother told me you don't need legal cover from your insurer if you are with the AA or RAC. (Presumably they will step in.) Is she right?

No, they will only give advice and a little help but if the other party does not respond i.e. basically ignores them, then that is the end of any help the AA or RAC can provide. They don't issue legal proceedings and won't sue anyone.

missile

I found out the hard way. Without legal cover, you will need to pursue the 3rd party for your excess. Claiming against Hastings Direct was a nightmare. They refused to correspond with me. Eventually I had to threaten the 3rd party with court action.

SabNys

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It's not a trick question. I was just wondering how much someone could end up paying if they join:

https://www.freemotorlegal.co.uk/

Thanks.

Edited: This post has finished up as a reply to the OP. But it should be a new thread.

I pressed a "New Post" button. There was a block for "Title" (as you can see at the top of this post). But the reply to a post does not have a Title block.

Anyway, I've posted it as another New Post, and it seems to have worked.

Chrishazle

Quentin wrote: »

Legal cover is not necessary in the scenario you describe

Your insurer deals with legal action like this.

"Legal Cover" add on is for uninsured losses recovery!

My insurer did deal with it - by referring it to the legal cover that was part of my policy! After initially giving my insurers chapter and verse of everything that happened at the time and after the incident - which I did when the other party started playing silly B's and claiming my wife had driven into her - I had to do nothing more, just wait while the legal mob did everything including sending me a letter absolving me of all blame following the court no-show by her insurers - plus a cheque for over £600.

fred990

vikingaero wrote: »

I use this company for Motor Legal Protection:


http://memonline.co.uk/motor-legal-protection-insurance-new-customers/


Two years cover for £20 or they have variations depending on personal cover or number of vehicle cover.

At the end of the day whether you buy from your own Insurer or a third party, it will be the same factory farm legal firms in the North West that will be used, so don't expect personal service!

Thanks for the link.
That's got me thinking I might do it now for three vehicles. Never really bothered before.

SabNys

Quentin wrote: »

"Legal Cover" add on is for uninsured losses recovery!

The following link gives an explanation of "uninsured loss". I'm not qualified to say whether it's a good explanation:
https://www.markthompsonlaw.com/uninsured-loss/explanation/
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