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Why You Should Always Include Legal Protection In Your Car Insurance Policy

Do I need legal cover on car insurance?

When the time comes to buy or renew your car insurance, there are often many different factors to take into consideration. Do I need a fully comprehensive package? Do I use my car for work or just for pleasure? How many miles will I be driving each year? And why does it matter what my job is when it comes to insuring my car?!?!?

One of the things that is often offered by insurance companies is something called ‘legal cover’. But, when you are looking to cut costs, these optional extras are often overlooked or not taken. Is this a mistake? Just what is legal cover and do you need it? Let’s find out.

What is legal cover?

Legal cover is an added layer of protection should you be involved in an accident that was not your fault. In this case, there may be problems when it comes to claiming on your own insurance and having the necessary repairs or compensation paid out to you. There may be a need to go to court or issue legal proceedings. Legal cover ensures that you are protected, and these expenses won’t come out of your pocket.

Legal cover can also cover items that might not be covered in a basic insurance package. This can include injuries to you or your passengers, as well as the cost of treatment, any damage that your car has suffered that is not covered by a comprehensive policy, any excess you have to pay after an incident that wasn’t your fault, and any loss of earnings that might occur from you being out of work due to injury or lack of a car.

Do I need legal cover?

If you decide to go to a basic third-party insurance policy, then you might want to spend a little more to give you that extra protection in terms of legal costs. If you have go to court to get the money you are rightfully owed, or to protect yourself, the fees can quickly add up. Legal protection means you can leave it to your insurer to sort out all the headaches, leaving you to just wait patiently for the issue to be resolved.

You should check with your insurer what is covered by a fully comprehensive package. Some will include many of the legal protections you might need as standard in their most complete package. Then it is simply a matter of what you can afford and whether you want to pay for this extra protection, providing it isn’t just doubling up on what you already have.

The recommended amount you should be looking for is £50,000 worth of legal cover. This is the sum that financial advice and comparison websites say you should be looking for to ensure you have the cover you need. And as always, you should read the terms and conditions carefully so that you are aware of how you are protected and what rights you have.

Car Finance Advice  05/06/2019 11:48:06

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