Advice on Motor Legal Protection

lisyloo

Found an example.
Axa advanced policy booklet page 42 Family Legal protection (not a budget product)

There is no cover for:

2c claims made by or against your insurance advisor, the insurance providers, the adviser or us (presumably Axa).

The reason for suing them is not to recover losses but where they haven't dealt with it correctly e.g. under valued or refused to pay out.
I take your point about the ombudsman - they may well have been going down that route. obviously in these situations (especially with extensive fire or flood damage) one would like a quicker result than the ombudsman. I appreciate legal action isn't quick but it's good to have advice.
Good point that they might not pick it up if there is a free option but what they can do is give you advice very quickly which might inform someone's decision as to whether to spend their savings on alternate accommodation or not.

DullGreyGuy

lisyloo said:

Found an example.
Axa advanced policy booklet page 42 Family Legal protection (not a budget product)

There is no cover for:

2c claims made by or against your insurance advisor, the insurance providers, the adviser or us (presumably Axa).

The reason for suing them is not to recover losses but where they haven't dealt with it correctly e.g. under valued or refused to pay out.
I take your point about the ombudsman. I can't remember but they may well have been going down that route. 

Us actually is ARC who is the provider of the LE insurance, insurance providers are AmTrust, adviser is your solicitor so Axa isnt excluded unless they are supposed to be the "insurance advisor" but its not a defined term and would be an odd term for an insurance company.

The point however you are missing is that there are 11 types of claim covered from personal injury to school admission disputes and none clearly cover a home insurance claim. The one possible one that does is number 1 "consumer pursuit"  however it requires the disputed contract to have been entered into after the insurance was bought and so by definition the policy is excluded from that one too.

If you however are accusing your insurer of breaching data protection rules then that policy would support you claiming against Axa. 

lisyloo

DullGreyGuy said:

lisyloo said:

Found an example.
Axa advanced policy booklet page 42 Family Legal protection (not a budget product)

There is no cover for:

2c claims made by or against your insurance advisor, the insurance providers, the adviser or us (presumably Axa).

The reason for suing them is not to recover losses but where they haven't dealt with it correctly e.g. under valued or refused to pay out.
I take your point about the ombudsman. I can't remember but they may well have been going down that route. 

Us actually is ARC who is the provider of the LE insurance, insurance providers are AmTrust, adviser is your solicitor so Axa isnt excluded unless they are supposed to be the "insurance advisor" but its not a defined term and would be an odd term for an insurance company.

The point however you are missing is that there are 11 types of claim covered from personal injury to school admission disputes and none clearly cover a home insurance claim. The one possible one that does is number 1 "consumer pursuit"  however it requires the disputed contract to have been entered into after the insurance was bought and so by definition the policy is excluded from that one too.

If you however are accusing your insurer of breaching data protection rules then that policy would support you claiming against Axa. 

Ok right, so if you buy a standalone legal expenses product before you buy your home insurance then you would (in theory) be covered for a consumer dispute? (although they may say - use the ombusdman?)

DullGreyGuy

lisyloo said:

DullGreyGuy said:

lisyloo said:

Found an example.
Axa advanced policy booklet page 42 Family Legal protection (not a budget product)

There is no cover for:

2c claims made by or against your insurance advisor, the insurance providers, the adviser or us (presumably Axa).

The reason for suing them is not to recover losses but where they haven't dealt with it correctly e.g. under valued or refused to pay out.
I take your point about the ombudsman. I can't remember but they may well have been going down that route. 

Us actually is ARC who is the provider of the LE insurance, insurance providers are AmTrust, adviser is your solicitor so Axa isnt excluded unless they are supposed to be the "insurance advisor" but its not a defined term and would be an odd term for an insurance company.

The point however you are missing is that there are 11 types of claim covered from personal injury to school admission disputes and none clearly cover a home insurance claim. The one possible one that does is number 1 "consumer pursuit"  however it requires the disputed contract to have been entered into after the insurance was bought and so by definition the policy is excluded from that one too.

If you however are accusing your insurer of breaching data protection rules then that policy would support you claiming against Axa. 

Ok right, so if you buy a standalone legal expenses product before you buy your home insurance then you would (in theory) be covered for a consumer dispute? (although they may say - use the ombusdman?)

You'd need to see what coverages it offers... the Axa one as you mentioned is their higher tier policy and so has 11 different types of issues covered. Some budget ones are much smaller range of topics. 

Looking at the MEM standalone Home LE cover as linked by the OP, Contract Disputes explicitly excludes any claim in relation to an insurance settlement. I'd need to see any others to see what terms they have but as previously mentioned, I dont recall seeing one that will help you sue your own insurer.

lisyloo

Thanks for the info.

bettz

Bigphil1474 said:

OP, do you have legal cover on your home insurance that would cover motoring issues? Or are you in a trade union at work? I have legal cover through union membership so don't have it on my car insurance. Provides same cover so no point paying twice.

I was in a union Unite but they were rubbish.

I'm not sure on the house insurance currently with esure,trouble is would that become a pain when it's time to renew as I switch alot. 

bettz

lisyloo said:

I have this one. 4 family members, any vehicle £15

https://www.rac.co.uk/insurance/legal-expenses-insurance

Thanks for this

lisyloo

bettz said:

Bigphil1474 said:

OP, do you have legal cover on your home insurance that would cover motoring issues? Or are you in a trade union at work? I have legal cover through union membership so don't have it on my car insurance. Provides same cover so no point paying twice.

I was in a union Unite but they were rubbish.

I'm not sure on the house insurance currently with esure,trouble is would that become a pain when it's time to renew as I switch alot. 

  Not really. You just get it every year like any other insurance,

Mazza773

Bit late to the conversation but I thought I'd post my findings in the hope it may help someone. 
Motor legal protection is a rip off in my opinion, Free Motor Legal Ltd. will cover you for a lifetime at the cost of £0. There is an article over on The Complaining Cow that explains how and why in great detail. I'm really surprised ML hasn't covered it as it's a great money saving tip. Maybe he has and I've missed it?

gizz_10

Just looking into this as I am in looking at renewal quotes - my cheapest is with Geoffrey Plus for the cover I want - they want £30 to add the legal cover.  Looking at the Free Motor Legal Ltd one - would they cover you for court costs if someone tries to claim against you?  I can see the RAC one at £15 does include this but I am not sure if the Free one would given their model?  Any thoughts?