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Thread: Motor legal protection

  1. #1
    Regular Member mspvxr's Avatar
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    Default Motor legal protection

    Is it worth it basically? Need to renew my st insurance on the 8th and just wondered if its worth it, its only 2,25 extra month?

    Cheers

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    Regular Member david-bell's Avatar
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    Default

    I would say so mate as you never know? as it will protect you if somebody sues you if you were to blame in an accident

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    Regular Member m8internet's Avatar
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    It has its benefits in the event of claim
    You can also use it to reclaim your excess, costs, incidental costs, and so on in the event of a non-fault claim

    Personally, the more time that passes since a claim, the nearer you are to one
    I didn't have it for the first five years, but have made three claims on this cover now in the last ten years
    Just the cost alone has paid for itself

    Sadly 15 years ago this was included in a Fully Comprehensive policy, but at least the cost is now transparent and is optional
    As always, compare like with like policies
    One may be £25 and cover up to £500K, whilst a free one (with a more expensive policy) may only cover up to £100K

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    Regular Member mspvxr's Avatar
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    Default

    Thanks for the advice, im going to add it anyway, im looking at esure, they have an excess protection
    Its as follows

    Add our Excess Protection to your esure policy and we will cover the excess amount of the main driver in the event of a claim.

    Main cover features:

    • We cover the excess, payable by the main driver, up to a maximum of £1,000
    • Excess Protection allows for one claim per policy year
    • Covers all drivers on the policy
    • Cost of repairing the damage must be greater than the applicable excess
    • Excludes windscreen only claims

    What do you reckon?

    Even with this its still only 36 quid a month for my st which i think is really good, £431 overall.

  5. #5
    Regular Member mspvxr's Avatar
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    Default

    Just seen this, does this mean i cant drive my partners car under 'other cars'?

    Says that cover is limited to policyholder only and only applies as long as the vehicle isnt owned by myself or my partner?Does this mean i need to be named on her policy to drive it?

  6. #6
    Regular Member Ben50n's Avatar
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    Default

    Personally I wouldnt bother with it IMHO, there are plenty of Solicitors willing to take up any issues and get things sorted. My experience as follows.

    Came off my motorbike at 10 mph due to the appaling consitions of the road, long deep ruts caused by Freeze Thaw, council denied responsibility, my Legal Aid were not interested as I was not injured or involved with another driver, they would not even look at the evidence of how bad the road was. A motorbike specialist lawyer would have taken the claim forward, however I was already £350 excess down, plus another £350 to replace my riding kit. I did not have the money to pay for a claims through the courts.

    My mum who was with a reputable insurance company with legal Aid, was shunted up the back, it was not her fault. Damage to the car and a small bit of whiplash, her own insurance company with Legal Aid messed around for 3 weeks and only started to get things going when my parents used a "Slip and Trip" lawyer. As they then had to pay the other lawyers.

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