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Legal Expenses cover

We understand how stressful it can get following an accident in your car, especially if you become involved in a legal dispute. The last thing you need is additional stress that comes about from paying solicitor fees to the tune of what could be thousands of pounds, or the strain from foregoing legal advice and trying to settle the matter without the right support.

Our Legal expenses cover includes:

  • Up to £100,000 cover for you, your passengers and the car in the event of accident (which was the fault of another insured identifiable person).
  • Access to the cost of a solicitor, legal advice and support in settling the claim.

For further information review our policy document.


What does Legal Expenses cover?

The cover includes:

  • Personal injury cover for you following a road traffic accident which was not your fault.
  • Personal injury cover for your passengers following a road traffic accident which was not your fault.
  • Uninsured loss recovery – damages and recovering costs from the person that was at fault, such as medical treatment, overnight accommodation and travel costs incurred due to the loss of your car.
  • Defence of Motoring Prosecutions – defending a criminal legal action that has arisen from your use of your car.
  • Motor Contract Disputes – either pursuing or defending contract disputes relating to the sale of goods of services associated with your car (this includes the car itself).
  • Vehicle Cloning – if your car identity is stolen you’ll be covered for costs to defend criminal or civil proceedings.
  • Motor Insurance Database Disputes – costs for disputes following false or incorrect information about you or your car on the Motor Insurance Database, will be covered.

Additional Services

Our Legal Expenses cover also offers access to additional services:

  • Discounted legal services to deal with issues involving routine conveyancing costs, wills and probate, divorce and child custody disputes.
  • Access to an online legal document service.

When can I make a claim?

A claim can be brought through our Legal Expenses cover when:

  • Personal injury has been suffered by you or your passengers.
  • Losses have been incurred that are not already covered by your insurance.
  • Your belongings have been damaged and you are seeking compensation for this damage.
  • You are being prosecuted for a road offence you didn’t commit.
  • You are receiving parking fines and/or speeding fines you are not responsible for, in the case of your car being cloned.

Understanding the claims process

  • You must report claims within 180 days of the incident occurring and have more than a 50% chance of success to be accepted.
  • In the case of contracts under dispute, only these entered into after the policy begins will be covered.
  • Legal costs that have already been paid or have been agreed to be paid before the claim has been accepted will not be included.

Prospects of success

Your policy is underwritten by Ageas Insurance Limited, and any claims will be administered by Arc Legal Assistance. When considering and forming the view as to the prospects of success, Arc will take the following into account:

  • The amount of money at stake.
  • Whether a person without legal expenses insurance would wish to pursue or defend the matter.
  • The prospects of being able to enforce a judgement.
  • Whether your interests could be better achieved in another way.