Motor Legal Expenses Insurance

Motor Legal Expenses insurance is there to provide you with the peace of mind that you can access the help you need following a car accident that wasn’t your fault.

What is Motor Legal Expenses insurance?

Motor Legal Expenses Insurance, commonly known as legal cover, is a policy designed to support you if you are involved in an incident that wasn’t your fault. It will cover the costs of taking legal action against the party responsible for the loss, commonly known as Uninsured Loss Recovery. This essentially means things that are not typically covered under a motor insurance policy, such as:

  • Loss of earnings
  • Policy excesses
  • Costs associated with claiming for personal injury
Benefits of Motor Legal Expenses insurance

Further benefits could also include:

  • Damage to personal effects
  • Loss of use
  • Replacement vehicle costs
  • Motor Insurance Database disputes
  • Pothole damage cover
  • Free helpline for post-traumatic stress
Do I need Motor Legal Expenses Insurance?  

Getting into a car accident could end up being more costly than you think, particularly if you do not have legal cover.

Whiplash reforms came into place in 2021, which means that you are unable to gain legal assistance for personal injury claims under £5,000 and you have to pursue a claim via the new Official Injury Claims portal, which can take time to navigate. Our Motor Legal Expenses insurance would provide cover for this and you would be guided through the process.

Click here for more information on these whiplash reforms and how they can affect you.

Having an accident can be traumatising, and Motor Legal Expenses insurance alleviates the additional stresses of making a claim.

If you would like further information or would like to add Motor Legal Expenses to your policy, contact your dedicated account handler, or call us on 0330 008 4957.

*For single vehicle Private Motor Insurance policies

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