Legal cover on car insurance.

Snakes_Belly

Is it worth adding on legal insurance onto a motor insurance policy especially as the car is sitting on the drive for most of the time at the moment?.

I have been with the same insurance company for years as it was a policy arranged through my previous employer and discounted. Now they are not offering a staff policy anymore and the renewal premium is higher which includes a £40.00 broker's fee. There is no interest free option to pay monthly. If premiums are paid monthly there is a interest charge of 29.99%. 

So I am trawling the market and finding it a minefield.    

[Deleted User]

Use the comparison sites and you can scrutinise which aspects are most important to you and weed out the rest.

As for legal cover, i always prioritise it now as 20+ years ago i had a non fault accident and the 3rd party's insurers refused to accept responsibility (saying "she didn't know she was going to have the fit, so it's not her fault").
My insurers legal team battled head to head for months but her side wouldn't budge - i, personally, now see the legal side as important. 

Bigphil1474

Don't forget that the legal cover probably won't just be for motor related matters. Mine covers family, home, and employment legal matters as well as some others that I can't remember. e.g. If I get nicked by the cops for a crime, I can call on them for legal support.

Penguin_

If you have legal cover on your home & contents insurance, do you need it on your motor insurance?

Sandtree

[Deleted User] said:

As for legal cover, i always prioritise it now as 20+ years ago i had a non fault accident and the 3rd party's insurers refused to accept responsibility (saying "she didn't know she was going to have the fit, so it's not her fault").
My insurers legal team battled head to head for months but her side wouldn't budge - i, personally, now see the legal side as important. 

Legal cover is only about your uninsured losses (eg excess, injury, loss of earnings etc). Your insurer will go to court over liability even if you dont have LE cover if they feel they have good prospects of winning and the values justify the costs. 

Bigphil1474 said:

Don't forget that the legal cover probably won't just be for motor related matters. Mine covers family, home, and employment legal matters as well as some others that I can't remember. e.g. If I get nicked by the cops for a crime, I can call on them for legal support.

Motor LE typically only covers Motor. Home LE is much broader but explicitly excludes things where you are the driver of a motor vehicle.

Penguin_ said:

If you have legal cover on your home & contents insurance, do you need it on your motor insurance?

Normally yes, the coverages are intentionally different to ensure you cannot buy one to avoid the need for the other.

Snakes_Belly

Thanks for all your comments, Snakes.

Ectophile

There are much cheaper options, such as MEMOnline https://memonline.co.uk/

I have two cars insured through them.  It cost me less per year than adding legal cover for just one of the cars, if buying through a motor insurance company.

But I have never made a claim since moving to them, so I can't say whether or not they are any good.