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Car Insurance Buyers Guide: Legal Expenses CoverMany people are unclear as to whether they need legal cover or not when they buy car insurance. Many decide not to include it, preferring to avoid the additional cost. Some policies offer it as standard, including M&S car insurance.Typically, legal cover costs about £20. This covers, usually, up to £100,000 of legal costs (for example, to pursue a personal injury claim) as well as uninsured losses, for example, car hire. Currently, drivers can afford to be a little relaxed about whether or not they have legal cover as under current arrangements if they need to pursue an injury claim on a no win, no fee basis, they are not liable for legal costs as these are paid by the defendant (the liable car insurance company) if they win their case and by their own lawyer and the 'after the event' (ATE) insurance provider (that covers the defendent's costs) if they do not. However, this is going to change soon as the government is currently processing a white paper in line with the Jackson Report recommendations to scrap the recoverability of these legal costs from the defendant with the effect that they will be drawn from the damages award, that is, the claimant will need to pay them. Without legal cover, he could lose a significant percentage of his damages award to pay these legal fees. If he had taken out legal cover (also known as before the event insurance) with his car insurance, up to £100,000 will be paid towards these costs. While the honest driver would hope not to need to use the legal cover or his car insurance, he could lose a lot of money by omitting legal cover. When it is such a small percentage of the total cost of his car insurance, it does make sense not to risk it and to buy legal cover routinely. The car insurance providers below, all provide the option of legal cover where it is not included as standard. |
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