We use cookies to give you the best experience and help us improve our website.

Find out more about how we use cookies.

Important information: We have followed Government advice and closed our branches. However, please be assured that our priority remains providing our clients with support and advice at all times and our teams are on-hand to take your calls or emails.
Contact details for all our employees can be found here.

Payments of insurances: Please note, at this time we are asking that payments be made via our online card payment portal or by bank transfer.  Please avoid sending cheques wherever possible.

Speak directly to our team

01603 649650
Home » Personal » Personal Insurance » Motor Insurance » Motor Legal Expenses

It can be tempting to decline add-ons, but Motor Legal Expenses is one ‘extra’ that should not be discounted. We truly believe it is an essential extension and, considering the very low costs, every motor vehicle insurance client should consider adding legal expenses to their policy.

Motor Legal Expenses covers the legal costs to defend or pursue action against another driver. So what are the key benefits to having motor legal expenses insurance?

  • Access to legal advice helpline
  • Full legal costs covered up to £100k

You could claim back:

  • loss of earnings
  • policy excess
  • like-for-like vehicle replacement costs
  • other out-of-pocket expenses

The Alan Boswell Group Difference

We are not on any internet comparison sites and do not have any cuddly toys or gimmicky marketing tricks. We just put all our effort in providing our customers the best cover, for the right price combined with a premium-level service.

We believe in providing our customers competitive car insurance with products suitable for their needs. Being independent we are able to provide impartial advice on the best product for your needs. Having access to multiple insurance companies we are able to command competitive pricing ensuring you get value for money.

How our customers rate us

I have used Alan Boswell for about 15 years now and have always been exceptionally pleased with the service.

Mr Calver, Private Car Insurance

FAQs

  • Absolutely, this is the primary benefit of having legal expenses insurance in place. However, it is important to note that your claim will be assessed to ascertain your chances of success during the legal process. If it is clear and evident that you are at fault, for example, you can not use the insurance to cover the costs of a spurious case.

  • No, it’s not mandatory to have motor legal expenses in the same way you have to have car insurance. But it is highly recommended as your out-of-pocket expenses can quickly add up in the event of an accident – especially if you have to take legal action against another driver.

  • There are some comprehensive insurance policies that may include an element of legal cover, but it is not common. Always check with your provider whether you have legal cover in place. Third party cover will not include legal cover.

  • Imagine you’re on your way to a concert with your partner when you’re involved in a not-fault accident. You’re unable to attend the concert and your hotel booking is also lost. The cost of the tickets and the hotel room would not be covered with a standard motor insurance policy. That could be £500+

    Or imagine that due to a personal injury you sustain in the accident you’re unable to work, leaving you with a £10,000 loss in earnings. Again, this wouldn’t be covered with a standard motor policy.

  • An accident can be investigated and fault attributed to one or another party, or it may be agreed on a 50/50 split of blame. In this case any legal expenses claim will also be reduced in line with the percentage split.

    So, for example, if you claim £1,000 for out-of-pocket expenses and the accident is determined to be 50/50 then your insurance would only cover 50% of your expenses – in this case, £500.

Get in touch

Speak directly to our team
01603 649650
Request a callback
Callback Enquiry
  • Contact Details

  • If applicable
  • This field is for validation purposes and should be left unchanged.
Send an enquiry
Personal Insurance Enquiry
  • Contact Details

  • Enquiry Details

  • This field is for validation purposes and should be left unchanged.