What is optional legal cover for your car insurance?
Wondering whether you need legal cover for your car insurance? We can help.
Endsleigh’s optional legal cover is designed to pay for your legal costs when pursuing a claim for uninsured losses if you are involved in a motor accident that is not your fault.
What is legal cover?
Legal cover under your car insurance will pay for the legal costs and uninsured losses you may incur if you are involved in a car accident that wasn’t your fault.
Legal cover, sometimes referred to as legal expenses, is not a legal requirement, but may be included as standard, or can be added as an optional extra to your comprehensive car insurance policy.
It’s important to note that, for an insurer to accept your legal claim, there is usually a need for there to be a ‘reasonable prospect of success.’ This will usually be on the advice of your insurers’ solicitors, and there often needs to be more than a 50% chance of success for your claim to be accepted.
If you’re unsure whether you already have this cover, it’s worth speaking to your insurer to double check.
Do I need motor legal protection?
Unfortunately, even careful and considerate drivers can sometimes be caught up in an accident through no fault of their own. If this happens, your car insurance policy cannot offer motor legal protection against all possible losses, such as a loss of earnings due to injury. Optional legal cover on your car insurance can help provide you with that extra peace of mind.
Taking out motor legal protection removes the stress of having to arrange and pay for your own legal representation after an accident. Following an accident, we provide a 24 hour legal helpline service for any motoring related legal matter within the UK. We will also arrange and pay for a fully trained solicitor to act on your behalf when pursuing a claim for uninsured losses. This means that you will not have anything deducted from damages which are awarded to you, meaning you will receive your full entitlement.
In addition, this legal cover protection also extends to passengers and family members who were in the vehicle at the time and affected by the incident.
How can additional motor legal protection help me?
Providing there is more than a 50% chance that your claim will succeed, Endsleigh’s optional legal cover will pay up to £100,000 in legal costs when claiming for uninsured losses, helping you to receive any compensation to which you may be entitled to. These losses might include the cost of hiring a temporary car, cover for loss of earnings due to injury, as well as medical costs incurred following an accident.
The benefits of optional legal cover include:
- Up to £100,000 legal cover
- 24 hour legal helpline service, following an accident, for any motoring related legal matter within the UK
- Fully trained solicitor acting on your behalf
- Defence of your legal rights if a motor accident leads to prosecution
- Legal cover to help recover losses such as lost income, rehabilitation and damage to personal property
Should I add legal cover to my car insurance?
Unfortunately, accidents do happen, and even careful and considerate drivers can sometimes be caught up in an accident through no fault of their own. If this happens, a comprehensive car insurance policy won’t necessarily offer protection against all of the possible losses involved, such as a loss of earnings due to injury.
Legal costs can ramp up very quickly when it comes to car accidents, so taking out legal cover could remove the stress of having to arrange and pay for your own legal representation after an accident.
Can I remove the cover once it’s been added?
There will usually be an option to remove the legal cover from your car insurance policy if you change your mind within the first 14 days once it’s been added. This is called the ‘cooling off’ period. However, it’s worth bearing in mind that, even during the ‘cooling off’ period, there may still be a cancellation fee attached, as well as a charge for any time spent on cover during which you could have made a claim.
With this in mind, it’s important to think carefully about whether you need legal cover on your car insurance before adding it on to your policy.