Q&A: (UK) Car insurance. Is it worth paying the £20 to £30 extra for Motor Legal Protection?
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Question by golfgirl: (UK) Car insurance. Is it worth paying the £20 to £30 extra for Motor Legal Protection?
Is this actually worth paying for or is it just a fancy add-on which sounds important and worth having but is actually not?
Someone told me that if you are involved in an accident which was not your fault.. then you could take it any of the masses of solicitors who advertise on tv and who do no win/no fee insurance work to seek compensation/damages from the other party’s insurers.
Best answer:
Answer by ascoile
If you are insuring a cheap car for just 3rd party fire and theft then it is definately worth it. If you are insuring fully comp then it is pointless having it.
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I strongly recommend taking it out.I have it on my household insurance.If you have household insurance your better off taking it out with them it covers all legal disputes.I never thought I would have to use it I was wrong had a dispute in 2003 thanks to legal protection we got a solicator & the company finally caved in without going to court & we ended up with over £4,000 they had offered us £100 has a good will Gesture.The companies that say no win no fee get paid one way or the other.There is no such thing has getting something for free you always end up paying.
Yes definately have legal protection, and consider protecting no claims too if you have more than 3 years, you must get insurance quotes from confused.com website, I saved myself £400 this year!!!! 50% off!
Dont always go for the cheapest, get a good quality policy.