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Hit the Road without Worries: - Pick the Right Legal Cover Car Insurance

Legal expenses can add up very quickly and are something most drivers don’t consider to be a risk. However, if you’re involved in a collision or other incident while you’re driving, it’s very possible that you could face legal action.

To protect yourself against the risk of legal action, you can take you legal cover car insurance. Click the green button to get quotes from specialist providers now.



Did you know…?

Legal expenses can be devastating if you can't afford them so it's definitely worth having cover in place.

Why You Should Consider Getting Legal Cover Car Insurance

Although legal expenses aren’t a standard part of car insurance, it’s definitely worth considering having it added to your policy. For a small extra cost, it could end up saving you a lot of money in the long run.

Legal Cover Car Insurance - Main Cover Types

The category of car insurance you decide on will establish the amount of protection you secure. The primary choices in the UK encompass:

  • Third-Party Only Insurance: This is the simplest variant of car insurance and is the smallest legal requirement in the UK. It covers injuries inflicted on others and damage to other people's property—however, it does not cover any damage to your own vehicle.
  • Third-Party, Fire and Theft Insurance: This includes all aspects of Third-Party Only coverage, but with the added benefit of protection against loss or damage to your car from fire or theft.
  • Comprehensive Car Insurance: This is the most extensive cover you can procure. It incorporates everything from the Third-Party, Fire and Theft policy, plus it could potentially cover the cost of repairs or replacement of your vehicle, irrespective of who was at fault in the accident.

Did you know…?

Getting quotes is a great way to save money on legal cover car insurance.

Why You Should Consider Getting Legal Cover Car Insurance Quotes Online

Some excellent reasons to get Legal Cover Car Insurance quotes online are –

  • Comparison websites offer cost-effectiveness by allowing side-by-side comparison of quotes and policies, ensuring transparency in prices and features for informed decision-making.
  • These services don't require commitment or purchase; they can be used as research tools.
  • Operating independently of specific insurers, these sites provide unbiased assessments to help users find the best policy.
  • Some comparison websites offer renewal reminders to help customers seize savings opportunities.
  • They promote competition among insurers, often leading to better pricing options.
  • Robust security measures are employed to ensure data security, so users need not worry about their information's safety.

Legal Cover Car Insurance - Additional Cover

Some additional types of Legal Cover Car Insurance to consider include –

  • Misfuelling Cover: If you accidentally fuel up with the wrong type, this cover helps manage the cost of any necessary repairs.
  • Child Car Seat Cover: Accidents can be unnerving, especially with children involved. This cover allows for the replacement of any child car seats, even if there's no apparent damage.
  • Breakdown Cover: When your car takes an unexpected pause, this add-on ensures you're not stranded and provides roadside assistance at any time.
  • Legal Cover: Road incident led to a legal dispute? This cover provides financial protection to keep legal costs at bay.
  • Key Cover: Losing your keys is frustrating enough without the added expense. This cover handles the cost of replacement keys and even the locksmith's fee.
  • No Claims Discount Protection: Claim or not, this cover ensures your no claims discount remains untouched, helping you secure lower premiums in the future.
  • Foreign Use Cover: Planning to hit the road abroad? This provides the same level of protection as you have at home, so you can drive with peace of mind.
  • Personal Accident Cover: In case a severe accident occurs, this cover offers you and any named driver a financial safety net for certain injuries.
  • Excess Protection Cover: This cover absorbs the cost of your excess if you need to make a claim, ensuring you're not left out of pocket.
  • Uninsured Driver Protection: If an uninsured driver collides with your vehicle, this cover ensures you're not left to foot the bill, protecting your excess and your no claims discount.
  • Windscreen Cover: Keep your view clear with this cover, which provides protection against any windscreen damage.
  • Courtesy Car Cover: If your car is off the road for repairs after an accident, this cover keeps your routine running by providing a courtesy car.

Did you know…?

Paying for your policy annually could save you a lot of money.

Legal Cover Car Insurance - Great Ways to Save Money

Some great ways you can save money on Legal Cover Car Insurance are –

  • No Claims Discount: Insurers may offer discounts to drivers who have not made a claim in a while. The longer you go without making a claim, the larger the discount could be.
  • Higher Excess: Agreeing to pay a higher voluntary excess (the amount you pay towards any claim) can lower your insurance premium. However, ensure that you can afford the excess in case you need to make a claim.
  • Advanced Driving Courses: Some insurers may offer discounts if you've completed an advanced driving course, such as those offered by the Institute of Advanced Motorists.
  • Maintain a Good Credit Score: Some insurers consider credit score when determining premiums. A good credit score can demonstrate that you're reliable and may lead to lower costs.
  • Review Your Coverage Annually: As your life changes, so do your insurance needs. Review your policy annually to make sure you're not paying for unnecessary coverage.
  • Telematics Insurance: Also known as 'black box' insurance, this involves a device being fitted to your car to monitor your driving. Good, safe driving can lead to lower premiums.

Get Legal Cover Car Insurance Now!

Comparing quotes turns car insurance shopping into a walk in the park. Here's the sequence:
  • First, key in your personal information - they take data protection seriously.
  • Next, share your vehicle's specifics - the more they know, the better they can assist.
  • Provide details about your current insurance - this enables personalised options.
  • Then, just relax as specialist insurance providers come up with tailored quotes.

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Legal Cover Car Insurance FAQs

Do I need legal cover car insurance?

Although you’re not obligated by the law to have legal cover car insurance, it is a very useful additional type of cover to have. If you found yourself facing legal action, it could prove invaluable.

How much does legal cover car insurance cost?

Adding legal cover to your car insurance policy will increase the price but it’s not the main factor. The main things that affect how much you’ll pay are –

  • The value of your car
  • Your occupation
  • Your age
  • Your location

Is getting quotes a good way to save money?

Getting a lot of quotes will certainly help you to avoid overpaying for your car insurance. The best part is it only takes a few minutes too!