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Car Insurance - Legal Cover
Good morning all - I'm just about to renew my car insurance and wondered if it's still worth paying £39 extra for Legal Cover? I usually do, but as I'll be fully comprehensive, I'm wondering how would this extra cost would really benefit me? TIA.
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I've never done it...
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From the Money website
"What protection does legal cover give me that my car insurance policy doesn’t?
You can use your legal cover to claim uninsured losses, including:
Injury to you or any passengers, including medical costs
Recovery of car repair costs if you do not have a comprehensive policy
Excess you have to pay after a crash that was not your fault
Loss of earnings
Expenses like taxi costs and phone calls to your insurer
Legal cover does not pay out compensation to you but recovers the legal costs you incur when you pursue a third party for damages."
It was a godsend to us when we were involved in a fatal pile up. It took over 5 years to get the compensation but the legal cover looked after everything and made sure we got all the treatments we needed when we needed it, interim payments and everything else. I'm sure life would have been more traumatic without it
Interesting to know. When some &$$$^*@ ran a red light, wrote of my car, and then took me to court for having the audacity to go through a green traffic light, I was wondering for years if I'd get stung with court costs. It turned out the insurance company must have covered it. But since they knew they were going to, one might have thought they'd be more efficient at getting details right, and also employing a lawyer who would ask as much from the guy bringing the case as their lawyer who grilled me excessively and repeatedly did. Perhaps they just didn't care.
"Yes, the info implies that if you're not fully comp., it may be best to have Legal Cover, but as I'm always fully comp., it doesn't seem worth having that too!"
You can have a Third Pary policy which does provide legal cover. You can have a comprehensive policy which does (mine doesn't). So I don't see the connection.
In the event of an accident, even comprehensive cover can mean you incur some uninsured losses. For example, your policy may have an excess (meaning you pay the first £xx of any claim); it may not provide you with a courtesy car whilst yours is in dock. All sorts of stuff which may require legal assistance to recover.
You need to read what your comprehensive cover actually provides (and just as important, what it doesn't provide).
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