What is Motor Legal Expenses cover?
Legal Expenses is optional cover provided by the RAC, that you can add to your Rias Car Insurance.
Motor Legal Expenses cover includes:
- up to £100,000 of cover for the legal costs of a wide range of motoring disputes which are not covered by your core policy.
- access to a 24/7 motor legal advice helpline which can provide advice on a range of private legal matters.
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Included as standard | Legal Expenses |
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Access to a 24/7 motoring legal advice helpline |
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Recovery of costs such as loss of earnings |
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Compensation for personal injury for you and your passengers |
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Defence against disputes such as speeding tickets or if your car's identity is stolen |
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Price |
£0.00 |
£2.86 /mo £31.00 /yr |
What is covered?
- Personal injury legal costs - to pursue compensation for you and your passengers after a road traffic accident that has been caused by the fault or negligence of a third party
- Recovering uninsured costs - after a non-fault accident (for example your motor insurance excess or other out of pocket expenses)
- Defence of motoring prosecutions - for example, a speeding ticket you want to dispute
- Pursuing contract disputes - relating to your car for example, if you have purchased a faulty car
- Vehicle cloning - if your vehicle’s identity is stolen you’ll be covered for costs to defend
- Database disputes - costs for disputes following false or incorrect information about you or your car on the Motor Insurance Database.
What is not covered
- Motoring offences related to drugs or alcohol, or where you are disqualified from driving or don't hold a licence
- Claims that don’t have at least a 51% chance of success
- Costs must be agreed before they are covered.
Don't forget you may already have Motor Legal Expenses cover with another provider.
For more information, please read our policy documents.
