Do I Need Legal Cover?
Legal cover is often fairly cheap. Depending on the insurer, motor legal cover ranges between £15 and £30 per year. But whether it’s worth it depends on your situation. If you’re involved in a non-fault accident and need to recover costs, it could save you a lot of money and stress. However, if you already have legal protection through another policy (like home insurance or breakdown cover), you might not need it twice.
It’s also worth knowing that you can sometimes recover costs without legal cover, but it might be harder and more time-consuming.
While policies vary slightly between insurers, most legal cover includes:
- Legal costs to help you claim back money you’re owed after a non-fault accident
- Access to a legal helpline for advice on motoring-related issues
- Support with personal injury claims if you or your passengers are injured
- Recovery of policy excess and other expenses not covered by your main policy
No, legal cover is completely optional. The only legal requirement is third-party car insurance.
Yes, some insurers allow you to add it on mid-policy, but it’s usually easiest (and cheapest) to include it when you first buy or renew your insurance.
No. Making a claim under legal cover won’t affect your no-claims discount as it’s separate from your main insurance policy.
