Household legal cover is different from motor cover

 my opinion is if you get legal expense cover free you may as well use it but if you are charge for it dont pay it! Why?

 people have spoken that your claim will be sold to a solicitor who will prob not be local to you - pick your own solicitor. They will sort out a policy if needed (though for rta they are mostly never needed) so you dont pay anything regardless of the result!. The competition is such that firms who charge clients will soon cease to exist!   

well mine has been a godsend to me and my family i had £30.000 cover which has now run out as i have used it all in a cas i have been involved in... without it i would not like to think what would of happened..WORTH EVERY PENNY IF YOU NEED
IT....  PS MINE HAD NOTHING TO DO WITH MOTORING...

We offer a brilliant legal service where if its non fault most will offer credit repair i.e. you won't be asked to pay the excess up front.

What would happen usually is if you go into a solicitor on your own he takes the case on then lose's or the case goes 50/50 you will be liable for his costings. Most solicitors involved in RTA won't bet out of bed for anything less than £75.00 per hour. so taking a policy that will protect you in this event is well worth say £15 to £20 why gamble.

I have had a case recently its all gone pear shape, without that my client would be liable for £14,000 cost's as its a commercial case involving some hire.

Same applies for home Insurance legal neighbourly disputes etc all add up

regards

Gary
01535 656753

I'll have to agree with krypto on this one. I wouldn't leave home without legal protection. Yes you could get a private solicitor to deal with it on a no win no fee basis, but would you want the hassle of finding one you could trust after being injured in an accident - I wouldn't. Speaking from experience (when a complete muppet ran a red light and demolished the side of my car), i certianly would not want the hassle of arranging a solicitor just for the sake of £20 a year. At least if you have legal protection you are safe with the knowledge that it is all arranged for you, should you be unfortunate enough to need it.

I highly recommend Legal Protection. It served its purpose for me in a non fault accident.

You would be gutted if your lottery numbers came up and you'd forgotton to buy your ticket wouldn't you.

That is why we all (well, most of us) club in to this great big pot called insurance. that is why people with a bad driving record or little experience have higher premiums. And yes the insurers are also out there to make a profit as well as providing cover. That is called business!

extortionate amounts for the phone call -

an 0870 number isnt !!!! its about 7pper minute!!!

typical customer to moan about something like that.

If insurance companies are that "squeeky clean" as you are inferring then why do they take your money up front but ONLY give you a policy and contact third party company following a need to claim? We the general customer can do the same following an accident and get professional representation & service.

Also like me if you run two or more cars insurance companies will charge you multiple times for this and even if you do not use the service.

Going direct is no more ownerous just search for a company that provides all the services you require solicitor,car hire, uninsured losses and will act following an incident and if you want - no fee. Note the contact and keep it for when needed along side your insurance company number.

If the insurance companies were "not like that" then they would not charge extortionate amounts for the phone call or email to the third party company.

Sorry Krypto but insurance companies rip you off left right and centre if they can - this is just another way.

Well Im afraid your wrong there! Not all solicitors offer a no win no fee policy.

You also still need to pay fee's if an uninsured driver was to write your car off as the insurer would have nobody to claim from.

Legal services is not a "scam" at all - insurance companies are not like that, annd if they were they wouldnt charge the tiny amount of £15 a year would they?

Sorry, but I wouldnt leave home without legal cover - breakdown - and all the trimmings - for the sake of say £40 over the whole year, especially when 95% of drivers on the road these days dont care.

You DONT need legal protection. Its a scam invented by the insuarnce companies to try and hook you before the event of an accident, whereby you will ring them straight away, they then sell your claim to a solicitor earning them a tasty profit and they will then send you to one of their 'approved' repairers to have your car repaired. These 'approved' repairers work on set rates for labour and discount parts for the benefit of the insurnace company. Then can do this because they will receive a promise of a certain amount of work per year.Dont be fooled by the insurance company people on here, they want to ensure they continue to profit from your misfortune.

No solicitor worth his salt will charge the innocent victim of an RTA anything, the whole 'no win no fee' process means that the 'at fault' parties insurance company pays everything, this includes all of the solicitors costs!

You need legal protection on your car insurance. Simple as. A solicitor will charge you for services to claim your excesses back. With legal cover, it's all sorted out for you.

Legal protection costs about £20 a year, so is it really worth squabbling over? Thats about £2.20 a month.

Sorry, but if your looking to save this kinda money, then you shouldnt really have a car.

People choose bare minimum cover thinking 'itl never happen to me' - at direct line, I once had a customer who chose to scrimp and save like you lot, chose comp cover with no add ons like legal or personal injury - which would have cost him about £30 over the whole year. He had an accident where the other driver was not unsured, and he was badly injured.

He had to fork out thousands. Mainly because he needed medical treatment at a specialist which his injury cover would have piad for but he didnt choose to take it, and no legal services to take the uninsurd driver to court to pay for his new car.

Is £30 a year really worth all that hassle?

Think about it.

Let me say that any form of 'Legal Protection' or 'Legal Expense Insurance' [LEI] is just a way of the insurance company trying to get a 'hook' into you, so at the point where you may have or be involved in an accident you will automatically ring them first.

STOP! Dont ring them!

Insurance companies 'sell' us to solicitors once we have been involved in an accident and wish to claim for personal injury. Sometimes the amounts of money that change hands for the 'sale' of a claim or a 'referral' are extortionate, sometimes upto and including £750!!!

The worst thing we can do after being involved in an accident is ring our insurers, they dont give a fig about 'us' the client, all they care about is profit and they have no moral issue with selling our claims for huge sums of money.

If you have an accident and are NOT at fault then go and ring a solicitor first, they will work to protect YOU and ensure that you do not have to pay out a single penny to anyone.

Also as a second thought, do not contact a claims management firm either, they do exactly the same as the insurance company and sell you to a solicitor for a profit earning fee... this is wrong and must stop and we all have to play our part!

Look for a solicitor who specialises in personal injury work and in particular Road Traffic Accidents [RTA] there are several out there and some even now offer 110% compensation whereby they give the client the fee they would previously have had to spend on buying their case, surely us earning is better than some faceless conglomerate???

Check google for 'road traffic accident claim' or 'personal injury solicitor' 'or try '110% compensation' either way, think before you ring your insurance... who has the right to profit from your misfortune?

Hello Toyotaman.

Firstly the legal expenses insurance offered under the motor policy will provide cover for motoring incidents, the household legal is different in that it will provide cover for a wide range of everday situations, such as disputes with contractors engaged by you at your home.

The motoring legal cover can be a good purchase, if you were involved in a non-fault accident would you be comfortable in pursing a claim against the negligent third party and their insurers for your policy excess, hire car, loss of earnings, personal injury? etc.

You will find that most insurers and some brokers will wash their hands of such recovery claims if you have not purchased this cover although help can be sought from such 'credit hire' firms such as Car Crash Line on an after the event basis. Not sure of the financial implications of this though and it would mean another company to have to deal with at a stressful time.

Whilst in my opinion this cover is valuable and takes some of the stress away in the event of a crash, it is overpriced by most insurers and remains a very important revenue stream for them.

Is this not just another way of trying to get money out of the motorist at the time of insurance renewal. How valuable is this cover I wonder. The same also applies to house insurance where once again legal cover is one of the options available. Does one need this legal protection twice?
Comments please.