If a driver decides to take legal action against you following a collision, or you decide to take action against the other driver, then you’re likely to need legal assistance. The same goes if you’ve committed a motoring offence. But who will foot this legal bill? Unfortunately, it’s you, and the costs associated with legal assistance can build up pretty quickly. To avoid being left out of pocket in such an event, you may consider legal expenses cover, which could provide you with financial protection against these legal costs. Although forget about any guarantees. Read our guide to discover what is typically covered by legal assistance and the pros and cons of getting it added to your car insurance policy.
Legal expenses insurance covers all costs associated with legal assistance up to a set amount, which is typically at least £50,000 up to £100,000 or more in some cases. Generally, legal assistance includes the legal costs of defending a claim against you as well as the costs of taking legal action against another driver. It could also help if you need to recover money lost as a result of an accident such as loss of earnings or travel expenses.
It can sometimes be included in a standard car insurance policy while other insurers will offer legal expenses cover as an optional extra that can be purchased on top of a policy.
Each insurer will have its own guidelines as to what is covered and what isn’t covered. Typical cover can include:
As mentioned above, an insurer will set its own terms of what is and isn’t covered in its legal expenses insurance but here are some typical exclusions:
The cost of legal expenses insurance will depend on the insurer as some may include this protection as standard while others may charge you extra for it. As an optional extra, you can expect to pay under £30, which would cover you for 12 months.
When obtaining quotes, be sure to check through the policy details carefully to ensure you are not being charged extra for anything you don’t actually want.
Nobody really knows what’s around the corner and that’s why insurance can be so financially beneficial. It can also offer peace of mind during an otherwise extremely stressful time, especially if a dispute arises. Do your research to check that you don’t already have legal expenses insurance through your job or another source.
There are alternative ways you could still benefit from legal expenses cover without getting it from your car insurer. These include:
| Response | |
|---|---|
| Comprehensive coverage | 66.41% |
| Personal injury protection | 32.18% |
| Uninsured driver protection | 24.71% |
| Third party fire and theft | 20.98% |
| Misfuelling cover | 15.19% |
| Third party only | 11.45% |
| I don't have a premium car insurance | 10.42% |
| None of the above | 3.6% |
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