Is legal expenses cover worth having?
Before you rush to add on legal expenses cover, it’s worth considering the following. First of all, there’s no guarantee that your claim will be accepted in the first place. You may only be allowed to make a claim if it’s completely clear who was to blame for the accident and your insurance provider is pretty sure that you’re likely to win. And secondly, your insurance provider may also decline to back your claim if they feel the amount being contested is too small to warrant legal proceedings and the associated costs.
Remember to compare policies to check the limits offered on legal costs. £50,000 of cover – is the usual amount offered, although some policies will go up to £100,000 – and always check for any exclusions.