Discussion
I have legal cover with one of my motoring policies. Am I right in thinking that this is a separate insurance to cover legal costs that runs along side the main policy?
If so is it applicable to be used if I was involved in an incident on my other policy that I don't pay extra for 'legal cover' for?
If so is it applicable to be used if I was involved in an incident on my other policy that I don't pay extra for 'legal cover' for?
.What do you want to use it for? The legal cover is effectively just used to recover your uninsured losses. A lot of people think it's to defend themselves around liability, which their insurance does naturally. It's also not for criminal stuff.
Forgot to say you probably can use it for any vehicle you're driving.
Forgot to say you probably can use it for any vehicle you're driving.
Pingman said:
I have legal cover with one of my motoring policies. Am I right in thinking that this is a separate insurance to cover legal costs that runs along side the main policy?
If so is it applicable to be used if I was involved in an incident on my other policy that I don't pay extra for 'legal cover' for?
What does the policy say?If so is it applicable to be used if I was involved in an incident on my other policy that I don't pay extra for 'legal cover' for?
Standard Legal cover is to cover your legal expenses if you have to take action against someone who hits you to recover the costs of your damage. Quite often these policies cover all issues not just motor, so people can end up with multiple cover because they buy the same thing with each policy - home contents, building etc. It's optional, and I always deselect it - even if you want this sort of cover, they often put £25 on top for it, while you could buy legal cover independant of any other insurance for about £10.
It's useful in some cases. I'd wished I hadn't deselected it when I was rear ended on an island. A bit of damage was done to mine ,but my towbar saved any major problems, but OP insurers tried to wriggle out asking for engineers report. That done, repair was due when I was hit again at traffic lights by someone who's "foot slipped off brake pedal "( I'd say she was lucky there was no police involvement, as her STRADA fell to bits when it hit my tow bar, and we ended up with a large pool of oil and coolant on road). Again another delay eventually ending up in non repair. Contrast that to my daughter who was rear ended by an ancient driver . She used her car as a mobile cleaner and no car meant no work /wages. her dog happy insurer dragged their hind legs on a replacement till I suggested I might get them some not so nice publicity, aided by her legal cover folks. She got a hire car with a massive excess, which fortunately she didn't have to cover, and her neck pain was put down to whiplash, which covered her for her loss of earnings.
otherman said:
Standard Legal cover is to cover your legal expenses if you have to take action against someone who hits you to recover the costs of your damage. Quite often these policies cover all issues not just motor, so people can end up with multiple cover because they buy the same thing with each policy - home contents, building etc. It's optional, and I always deselect it - even if you want this sort of cover, they often put £25 on top for it, while you could buy legal cover independant of any other insurance for about £10.
ahh now this is what I thought! So If I have cover for legal expenses with any one policy it should cover me no matter what vehicle I am driving?Forums | Speed, Plod & the Law | Top of Page | What's New | My Stuff