OPTIONAL EXTRAS
Legal Expenses Cover.
Cover for legal costs if you're involved accident that isn’t your fault.
Add Legal Expenses Cover
What's Covered.
Motor accidents can lead to costs that aren't included in standard car insurance.
Legal Expenses Cover provides up to £100,000 for legal representation if the accident wasn’t your fault.
Read policy wording
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Accidents involving uninsured or unidentified motorists
If you're involved in an accident with an uninsured or unidentified motorist, our appointed legal experts will be able to negotiate settlement for personal injury compensation through the Motor Insurers Bureau. -
Uninsured loss recovery
Uninsured loss recovery: Support to recover costs not covered by your insurance, including:
- Transport costs while your vehicle is repaired
- Lost earnings due to injury
- Recovery of your policy excess
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Personal Injury compensation claims
Legal help to claim compensation for injuries to you and your passengers after a road accident that wasn’t your fault. -
Motor prosecution defence
Cover towards for legal costs to defend against certain driving charges, including applying for a lighter sentence. Alcohol or drug-related offences are not covered. -
Cover throughout Europe
You're also covered if you have an accident in Europe. You get legal representation with personal injury and uninsured losses. -
24/7 legal advice helpline
Access to legal advice at any time for personal legal queries, not just motor-related matters.
Making a Legal Expenses claim
If you have Legal Expenses Cover included in your policy, head to Your Account to start a claim as soon as possible after the accident.
Answers to important questions.
Explore All FAQsCan I use my Legal Expenses Insurance to claim for uninsured losses relating to a car key claim?
The Legal Expenses cover can only be used to claim back costs from a third party insurer or solicitor.
If you are claiming for just your keys, there will be no third party responsible for the loss so you won't be able to use it to claim back any uninsured losses.
Can I add optional extras to my car insurance?
You can add extra optional cover to your policy any time during the policy year.
What optional extras do you offer?
You can choose from:
We also offer Excess Protect, however this is only available as an optional extra when you first buy or renew your policy. It can’t be purchased part way through your policy term.
How do I make changes to my policy?
You can make these changes online!
It’s quick and easy to update your policy online. Simply follow these steps:
That’s it- you’re all set!
This is the best price we can offer based on the details you’ve given us.
I've incurred additional losses not covered by my car insurance
If the accident wasn't your fault, you can claim your losses back from the other insurance company.
If you've purchased Legal Expenses Cover, our Legal team can assist in claiming these losses on your behalf. You can check to see if you have this cover in Your Account.
How can I get an update on my car claim?
If you need to check on the progress of your claim, just head over to Your Account where you can view the status of your claim, provide us further information or request an agent calls you if you have any questions.
How do I make a car claim?
If you need to make a new claim or notify us of an incident, you can register the details online via Your Account, or if you'd rather speak to us, just give us a call on {MotivoNumber}. The team are here to help 24/7, 365 days a year.
Try to call us from the scene of the incident if it you are safe to do so. If not, try to call us within 24 hours to avoid delays. This will create a more straightforward claim for you.
If you have been involved in an incident but you're not sure you want to claim, you will still need to let us know.
We will be able to talk you through your options and keep you up to date with any claim we may receive if there was someone else involved.
If you need to make a claim for damaged glass, you can via this link or you can call us on {MotivoNumber}
If you need to make a claim for a lost or damaged key, it's {MotivoNumber}