Shape your cover

Taking legal advice can be expensive. Our Legal expenses optional extra provides up to £100,000 to assist in recovering losses you are not insured for, personal injury and compensation for damaged belongings following a car accident that was not your fault.

What’s included

  • Up to £100,000 cover for you, your passengers and your car if you're in an accident, which was the fault of another insured and identifiable driver
  • The cost of a solicitor, legal advice and support settling the claim
  • Personal injury cover for you and your passengers following a road traffic accident, which wasn't your fault
  • Uninsured loss recovery – damages and recovering costs if you're in an accident that wasn't your fault and the other insured party is at fault, including medical treatment, overnight accommodation and travel costs due to the loss of your car
  • Defence of motoring prosecutions – defending a criminal legal action that has arisen from the use of your car
  • Motor contract disputes – either pursuing or defending contract disputes, which relate to the sale of goods of services associated with your car, including 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 are covered

What’s not covered

  • Any Claim reported more than 180 days after the incident
  • Any Legal costs you pay before the claim is accepted
  • There must be more than a 50% chance of winning the case for a claim to be accepted.

With our legal expenses cover, you get access to extra services:

  • Discounted legal services to help you with challenging parking penalties issues involving routine conveyancing costs , wills and probate, and divorce and child custody disputes
  • Access to an online legal document service

You can make a claim through our legal expenses cover when:

  • Personal injury has been suffered by you or your passengers
  • You've incurred losses that aren't already covered by your insurance
  • Your belongings have been damaged and you're seeking compensation
  • You're being prosecuted for a road offence you didn’t commit
  • You've received a parking or speeding fine you're not responsible for, as your car has been cloned
  • You have to report a claim within 180 days of the incident, and have more than a 50% chance of success to be accepted
  • Only contracts under dispute entered into after your 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 won't be included

Your policy is underwritten by Ageas Insurance Limited, and any claims will be administered by Arc Legal Assistance. Please note that Legal Expenses policies starting from the 11th of May 2019 will be underwritten by AmTrust.

When considering your claim 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

For more info, read the latest version of our policy document.

View our policy documents

Make sure you read our policy documents.

Defaqto 5 star rating 2020 car insurance logo

Don't just take our word for it...

Ageas Car Insurance provides one of the highest levels of cover in the market

Back to top