Is legal expenses cover worth having?
That depends on your views. However, 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. Some insurance providers won't allow you to make a claim unless it’s completely clear who was to blame for the accident and your 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 – always check for any exclusions.