Do I need motor legal protection on my car insurance?

Do I need motor legal protection on my car insurance?

Motor legal protection, although included in some policies, is a common add-on extra for car insurance. The question is – how much is it, what does it cover and is it really worth having?

Daniel Hutson From the Motor team
minute read

What is covered by motor legal protection insurance?

Legal protection insurance can help cover uninsured losses (fees and charges not covered by your usual car insurance), such as:

  • Medical expenses for you and any of your passengers.
  • Reasonable travel expenses, such as to and from hospital.
  • Loss of earnings if you’re unable to work.
  • Out-of-pocket expenses, such as phone calls or taxi costs.
  • The costs of pursuing compensation.
  • The compulsory excess you may have to pay after a crash that wasn’t your fault.
Split 1

What isn’t covered by motor legal protection insurance?

Legal protection insurance will not cover:

  • Any compensation payments awarded to a person or group bringing a claim against you.
  • Any fines imposed by a court for criminal or motoring offences.
  • Expenses incurred prior to a legal team accepting the case.
  • Costs resulting from motoring claims against you if you were drunk or under the influence of drugs, or if you lied or were violent.

Looking for a Quote?

Compare car insurance in minutes to see if you can save

Get a quote

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.

Split 2

How do I know I’m getting a good deal on car insurance and legal protection cover?

If you decide that motor legal protection cover is for you, then you’ll want a car insurance policy that suits your needs. Our price comparison service is an effective way to compare a variety of insurance providers and get an overview of the deals available. Simple, stress-free and ultra-convenient.