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Motor Legal Expenses Insurance

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What is Motor Legal Expenses Insurance?

If there is a motor accident, not all losses are covered by the motor insurance policy. Motor legal protection insurance provides cover to recover any losses incurred following an accident which are not covered under the main motor policy.

What do we cover?

You can choose which options to offer customers but policies generally provide insurance to recover the “uninsured losses” which may include,

  • Compensation for any injuries sustained in the accident for the driver and / or passengers
  • Recovery of the policy excess from another party
  • Cost to hire another vehicle whilst repairs are carried out
  • Loss of, or damage to personal possessions.
  • Cover can also include medical costs following an injury and compensation for the injured parties.

Points to consider

A motor legal expenses policy is typically sold alongside a motor insurance policy, although it can be offered separately.

Our motor legal expenses policy provides peace of mind for the customer following a motor accident. We are able to offer our standard product or bespoke the product to your customer’s needs.

Our policy offers excellent value for money following a non-fault motor accident. The customer would otherwise incur legal costs to recover their losses.

The policy also covers additional expenses such as the policy excess which motor insurers charge, any costs of any hire car required and also loss or damage to any personal items, if they are not insured elsewhere.

We can provide cover for a customer’s legal costs up to a limit of £100,000.

Why choose Financial & Legal?

Financial and Legal Insurance are able to offer cover for all types of vehicles, from private cars to a fleet of vehicles as well as leisure vehicles such as caravans and motorhomes.

We can assist with the following vehicles:

  • Private cars
  • Commercial vehicles
  • Fleets
  • Taxis
  • Driving schools
  • Motorbikes
  • Motorhomes
  • Caravans
  • Pedal cycles
  • Couriers
  • Horseboxes

Motor legal expenses insurance generally includes a legal helpline to provide the customer with legal assistance in relation to the motor claim.

“The service we receive is exceptional. Financial & Legal are always 100% committed to their clients, providing invaluable swift and professional service, going above and beyond to help. The way the team liaise with our clients is exceptional from start to finish; they deal with matters sensitively and diplomatically, which is vital at a time when clients are understandably vulnerable and have an ongoing legal case.”

Charlotte Roberts, Owner of Anglesey Insurance Services LTD

“We were looking for more than just an insurer. We wanted to work with professionals who understood our business and risks and who could see the bigger picture. With Financial and Legal we have a dedicated team, who listen to us and develop the products we need.”

True Solicitors

“Having been with a larger insurer we seemed to have become stagnant in waiting for decisions and also experienced a lack of innovation. The Financial and Legal team and their personal approach means we can now sell products with the confidence that we are providing our clients with maximum security and protection.”

Pabla and Pabla Solicitors

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