Simple Q. re "Legal Assistance" thing you get with insurance

[BO55 VXR]

Does this only cover accidents/claims or can it be used for other stuff as well -

Hypothetical Example: Brand new car breaks down and found to be a fault at manufacture...Dealer will only fix the problem...but I want a NEW car, can I seek legal advice from this insurance thing

[vonhosen]

BO55 VXR said:

Does this only cover accidents/claims or can it be used for other stuff as well -

Hypothetical Example: Brand new car breaks down and found to be a fault at manufacture...Dealer will only fix the problem...but I want a NEW car, can I seek legal advice from this insurance thing

Any legal expenses cover that I've had attached to motor insurance has been in relation to claims resulting from collisions only.

Cover I've had for other legal disputes has been from seperate policies unconnected with motor insurance.

Have they previously been given a chance to rectify the problem & have failed to ?

Edited by vonhosen on Saturday 14th April 16:46

[jasandjules]

Check the details of the policy.

Also check your house insurance if it has any such policy in place, it MAY offer an advice line.

[justinp1]

jasandjules said:

Check the details of the policy.

Also check your house insurance if it has any such policy in place, it MAY offer an advice line.

Agreed. House insurance is the way forward. I have a pretty comprehensive policy and I think it gives me something like £10k of solicitors costs for this type of thing.

With regard to this particular incidence, UK law is quite weak compared to the US, where newish 'Lemon Laws' are in place which gives people the right to return their car for a refund if X amount of faults occur in X amount of time.

In the UK there is no definition of a 'Lemon' so each case if up to the owner to prove. From the cases I have heard of though, a refund is only applicable in really extreme examples.

The kind of examples I am talking about would be the same catastrophic fault occurring three or four times in two or three months, and/or you being not being able to use the car for say 60% of the time for the first three months.

Those would be the type of circumstances which would stand you in good stead to win a case, the further you are away from those perameters the more difficult it gets.