Motor legal expenses cover
Motor Legal Expenses
What is motor Legal expenses cover?
Motor Legal Expenses is optional cover provided by the RAC that provides legal support and advice for a wide range of incidents.
This cover provides up to £100,000 of cover for legal costs as well as a 24/7 legal advice helpline which can provide advice on a range of private legal matters.
what is covered?
- Personal injury legal costs - to pursue compensation for you and your passengers, after a road traffic accident, which wasn't your fault
- Recovering uninsured costs - after a non-fault accident (for example your motor insurance excess other out of pocket expenses)
- Defence of motoring prosecutions - defending a criminal legal action that has arisen, for example, a speeding ticket you want to dispute
- Pursuing contract disputes - relating to your car, including the car itself for example, if you have purchased a faulty car
- Vehicle cloning - if your car’s identity is stolen, you’ll be covered for costs to defend criminal or civil proceedings
- Database disputes - to help cover 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 not agreed before they are covered.
For full terms and exclusions of our Motor Legal Expenses cover, please read our policy booklet.
Need to change something on your policy?
Did you know, you can add our optional extra’s part way through your policy term? So you can add more protection if you decide you want more peace of mind throughout the year - simply log into your online account.
Our car insurance optional extras
View our policy document
Take a look at the policy section that relates to the comprehensive cover you are interested in.
Frequently asked questions
Motor Legal Expenses cover, can help protect you from being out of pocket if you have to take legal action following a car accident that wasn’t your fault. It can assist you in recovering losses you aren’t insured for as well as cover personal injuries or compensation for damaged belongings.
Legal protection may be included in your comprehensive car insurance, but it’s also likely that your insurer will give you the option to add this to your policy for an additional cost.
Motor Legal Expenses cover protects you for some additional benefits that would not necessarily be part of your standard car insurance policy. These can include:
- Personal injury cover for you and your passengers
- Costs associated with your claim (for example, the cost of a solicitor or legal advice)
- Medical expenses
- Damage to your vehicle
- Loss or damage to personal belongings
- Vehicle cloning
If you’re thinking of adding Motor Legal Expenses cover to your policy, it’s important that you read your policy documents thoroughly or speak to your insurer to know exactly what you’re covered for.
Motor Legal Expenses cover does not cover all eventualities. For example, most insurers will not cover you if the car accident was your fault.
You may also not be covered for the following:
- Legal expenses paid before the claim is accepted
- Any costs against you from the court for any criminal offences
- Any claim reported after the cut-off date (check with your insurer)
Motor Legal Expenses cover can provide peace of mind that you are covered for additional, unexpected eventualities when on the road.
The cost of legal advice can be huge. But Motor Legal Expenses cover can help you minimise the inconvenience and financial impact of legal proceedings after a car insurance accident. It's worth bearing in mind that you need a 51% chance of succeeding in your legal action to be able to claim on your policy.
Benefits of legal expenses cover can include:
- Personal injury protection for you and your passengers
- The cost of a solicitor to defend your claim
- Recovering your motor, legal and personal costs
- Access to a 24/7 legal advice helpline
Although this type of cover is not mandatory, it can help you save a lot of money if you ever find yourself in a court case following a car accident.