Considering the relatively small annual cost, motor legal protection cover could potentially save you thousands of pounds in expensive legal fees. Some policies also include free legal advice on a range of personal matters, such as employment, family, conveyancing and probate (administering the will of a dead person).
What does legal cover mean on car insurance?
Motor legal protection – sometimes known as car insurance legal cover – can cover legal expenses, up to an agreed limit, which result from a car accident that wasn’t your fault. It’s usually offered as an optional add-on to car insurance policies, although some include it as standard.
Can you buy legal cover separately?
Customers can buy legal expenses insurance as a standalone policy or as an optional ‘add-on’ to other policies. When customers take out a motor insurance policy for example, they’re often offered the option of legal expenses insurance to fund the cost of taking legal action and recover the uninsured losses.
What are motor legal expenses car insurance?
Motor legal expenses provide cover in the event of a motor prosecution, or a court case resulting from an incident or claim. It covers uninsured losses, so things like loss of earnings and policy excess, but there needs to be more than a 50% chance of success.
Is it worth getting legal cover on motor insurance? – Related Questions
What is the legal minimum insurance cover?
What’s the legal minimum insurance cover you must have to drive on public roads? Explanation: The minimum insurance required by law is third-party cover. This covers your liability to others involved in a collision but not damage to your vehicle. Basic third-party insurance also won’t cover theft or fire damage.
Is protecting no claims worth it?
Is it worth protecting no claims? If you have a big discount you’ve built up, say 50% for example, you might want to consider paying for no claims protection. This is because if you make a claim, you could lose anything you’ve built up already. But if you’ve paid for the extra, it should be protected.
Is motor legal protection the same as legal assistance?
As an insurance policy, this cover provides an affordable way to minimise the expense and inconvenience that a motoring accident can cause. You may also see it referred to as motor legal expenses insurance, or motor legal assistance, but we like to call it Motor Legal Protection – find out why below.
What are legal expenses accounting?
Legal expenses account are the indirect expenses of a business and hence, they are classified as nominal accounts.
Is personal injury cover on car insurance worth it?
Personal accident cover isn’t mandatory, and it does often cost a little extra – but you can’t put a price on peace of mind. If you get in a serious accident, you might need expensive rehab, or you could even lose your work – but personal accident cover can help you recoup those costs.
What is RAC legal Care Plus?
Legal Care Plus is the RAC’s motor legal expenses insurance policy that gives you the cover you need if you’re involved in a car accident that wasn’t your fault or if you have a legal dispute about your vehicle.
Does RAC cover car damage?
Comprehensive cover
Know you are covered with RAC Comprehensive Car Insurance for accidental damage, malicious damage, storm, fire, flood and theft, plus damage to other people’s car or property.
Does RAC comprehensive car insurance include roadside assistance?
When joining in a Breakdown situation upon payment of the Join on Road and Fees, RAC will provide Roadside Assistance excluding Extended Benefits and Car Hire (post a Tow). Note a 48 hour waiting period applies to your new level of cover when you upgrade your Roadside Assistance Cover.
Does RAC provide courtesy car?
Does RAC breakdown provide a courtesy car? If you add Onward Travel to your breakdown cover, you’ll get a courtesy hire car for up to 3 days if your car can’t be fixed that day.
How much does a courtesy car cost?
Is this going to cost me anything? You will only have to pay for the fuel you use and won’t pay any other additional costs for the use of the courtesy car.
Will RAC come out for flat TYRE?
Will the RAC come out for a flat tyre? Yes, we’ll come out if you get a flat tyre. We’ll repair your puncture, fit your spare wheel, or we’ll help find and fit a new tyre for you. If you need a brand-new tyre, we’ll fit it for you and dispose of your old one – but you’ll cover the cost of the tyre itself.
Are courtesy cars free?
A courtesy car is a car provided free of charge, usually by the repairer or dealership and is likely to be what is available at the time.
What happens if I crash a courtesy car?
What happens if you crash a courtesy car? When driving a courtesy car, your insurance for your main vehicle should cover you to the same level when you’re driving the replacement vehicle. Alternatively, you will have cover through the courtesy car provider.
What happens if you damage a courtesy car?
In general, you are liable for the cost of repairs if you damage someone else’s vehicle (or other property) and it is your fault. However, if you cannot agree on liability after the courtesy car is damaged, you or the owner of the courtesy car can make a claim to the Disputes Tribunal to settle the dispute.
How long can I keep courtesy car?
How long can I keep a courtesy car? A courtesy car is usually only available whilst repairs are being completed or until a write-off settlement is agreed. A limit will be set, however; a maximum of 14 or 21 consecutive days is most common, but check the details of your policy to be sure.
Who pays for the courtesy car?
Do I have to pay for a courtesy car? If you have comprehensive car insurance, a courtesy vehicle should be offered to you at no extra charge. As it will be insured for you to drive, the only thing you need to pay for is fuel.