Legal cover with car insurance. Convince me to take it
Discussion
I’ve always looked at it in the same way as breakdown cover, always get it, hopefully never need it but good to have.
Actually - A few years ago i decided not to bother with breakdown cover after years of paying and never using, then 2 weeks later broke down and had to pay for recovery doh!
Actually - A few years ago i decided not to bother with breakdown cover after years of paying and never using, then 2 weeks later broke down and had to pay for recovery doh!
Finglescave said:
I’ve always looked at it in the same way as breakdown cover, always get it, hopefully never need it but good to have.
Actually - A few years ago i decided not to bother with breakdown cover after years of paying and never using, then 2 weeks later broke down and had to pay for recovery doh!
I have it with my premium bank account along with mobile and travel insurance. Have used the breakdown a few times and they use AA and never felt any different to one of their own customers.Actually - A few years ago i decided not to bother with breakdown cover after years of paying and never using, then 2 weeks later broke down and had to pay for recovery doh!
I have taken it every year, but never used it. Then again, I have never claimed on any insurance (except once, but fault was eventually conceded by other party, and my excess was refunded).
Four glasses of Prosecco? Either craft ale or méthode champenoise for me, none of this ‘charmat’ rubbish.
Four glasses of Prosecco? Either craft ale or méthode champenoise for me, none of this ‘charmat’ rubbish.
Years ago I had a head on with someone who was on the wrong side of the road. Despite this, the 3rd part insurer offered 75% liability at first. The team provided by the legal cover put them right on this, and did so much more. God knows where I'd have been without them. For the price of a couple of take aways.
Can get it for free, example https://www.freemotorlegal.co.uk/ although I don't know the quality of the cover.
In my experience they've only been a hinderance in the past. They do stupid things like agreeing a 50/50 on your behalf because it's the easiest thing to do.
I do my own 'legal cover' when necessary. Although I've not been involved in any accidents for a very long time and never had a fault accident.
I do my own 'legal cover' when necessary. Although I've not been involved in any accidents for a very long time and never had a fault accident.
I have 5 cars insured, so that would mean 5x £29.99 a year (£149.95) if I purchased them with my Insurance policies.
I buy from these guys:
https://memonline.co.uk/motor-legal-protection-ins...
Much like GAP Insurance is overpriced from a dealer, I can get 2 years legal cover for 1 vehicle for £26.00 from the above site. There are probably other providers too. You can choose other options too, but I would discount getting home legal cover as that it most probably duplicated on your home policy.
I don't doubt that the above site uses anything other than the main legal battery farms that an insurance bought policy would use.
I buy from these guys:
https://memonline.co.uk/motor-legal-protection-ins...
Much like GAP Insurance is overpriced from a dealer, I can get 2 years legal cover for 1 vehicle for £26.00 from the above site. There are probably other providers too. You can choose other options too, but I would discount getting home legal cover as that it most probably duplicated on your home policy.
I don't doubt that the above site uses anything other than the main legal battery farms that an insurance bought policy would use.
Got punted off the m25 by a bloke in a panel van.
Refused to accept responsibility despite police attendance and confirmation from them, and their employer basically ignored my insurance company.
Legal cover got everything back, including my rather large excess payment, and my no claim discount saving more than made up for the cost
Refused to accept responsibility despite police attendance and confirmation from them, and their employer basically ignored my insurance company.
Legal cover got everything back, including my rather large excess payment, and my no claim discount saving more than made up for the cost
My other half decided against legal cover for the first time in nearly 20 years of driving. Last year her car was written off by a lorry driving into the back of her.
She paid her £600 excess and was paid out by her insurers who successfully claimed but are still waiting on the third party to pay up. In turn, despite the case having been won back in March she's still chasing the third party for her excess.
She was also unable to make an injury claim (despite being left with shoulder/back trouble) because at least two law firms said it wasn't worth it. Their costs couldn't be claimed and by the time the injury was paid out their fees would likely be as much as the payout.
She paid her £600 excess and was paid out by her insurers who successfully claimed but are still waiting on the third party to pay up. In turn, despite the case having been won back in March she's still chasing the third party for her excess.
She was also unable to make an injury claim (despite being left with shoulder/back trouble) because at least two law firms said it wasn't worth it. Their costs couldn't be claimed and by the time the injury was paid out their fees would likely be as much as the payout.
I take it. After 25 years of bump free driving I had someone pull out a side road into my path in 2018 and I went into the side of them. Other than some aches and pains I was unhurt. My legal cover arranged for me, missus (who was nine month pregnant) and the kids to get seen by one of their doctors. I wasn’t keen as I don’t believe in the ambulance chaser stuff and at the end of the day there was nothing wrong with me. However I went and the Doctor made me bend over me and touch my toes etc and said your fine. I explained that I felt I was wasting his time and this was just for any claim til he pointed out that should I need physio or treatment he would arrange to have this done privately in the next week. Something I had never thought about. They were also mighty efficient at ensuring I had a like for like car for the three months mine was away. They made sure that replacement car seats for my two kids were reimbursed asap.
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