When accidents happen that aren’t your fault, you don’t want to worry about whether you’ll be able to afford to take legal action if you need to. Motor legal protection can take some of the stress out of difficult situations, so can you really afford not to have it in place?
Motor legal protection, which is also known as legal expenses cover, pays your legal expenses if you end up in court because of an accident you’ve been involved in.
If you’ve been in an accident that isn’t your fault, you can use motor legal protection to claim for any expenses that aren’t covered by the main part of your car insurance policy, that might include:
Motor legal cover sometimes comes included with your main car insurance policy, or it can be bought as an optional add-on.
If you’re involved in an accident that isn’t your fault and that was caused by a known insured third party, we’ll provide up to £100,000 towards costs for trained claims handlers to recover uninsured losses following an accident.
We’ll cover claims as long as an independent legal representative believes you can win your case.
Our trained claims handlers seek recovery for any uninsured losses from a third party such as:
With our motor legal protection you can also benefit from:
Motor legal cover insures you against the costs of taking a case to court. It doesn’t include the losses that you’re claiming for.
Most insurers will only agree to provide cover for your case if they believe that you’ll win. They might also refuse to cover you for cases:
For all exclusions that apply to your cover, please refer to your car insurance policy book.
When you’re trying to decide whether you need legal cover on car insurance, consider how you’d pay for any legal fees if they come up without being insured.
If you have savings you could use, or other insurance that might support you, you might not need to take out motor legal protection. But if you don’t, you could end up paying out very high costs that you’ll need to find from somewhere.
With Saga Plus Motor Legal Protection is included in your main policy, and it’s an optional add-on to Saga Select and Saga Standard policies that might end up saving you a lot of money.
We include some valuable additional benefits in our legal expenses cover, such as cover for vehicle cloning, illegal towing and clamping, and access to driver confidence coaching, that you might really appreciate if you find yourself in the unfortunate position of having to make a claim.
If you need to make a claim for legal cover on your Saga car insurance, you should call the claims assistance number on 0800 001 5424 so that we can deal with your claim as soon as possible.
You’ll need your policy details, and if possible, the contact and insurance details of anyone else involved. We’ll then take you through the next steps towards making a claim.
There aren’t any official records kept as to the number of claims that end up in court in the UK, but legal experts estimate that around 5% of car accident personal injury claims result in the claimant going to court, and the number of cases where you need to appear in court may be less than this.
If you do end up going to court, it could be disruptive and expensive, so it’s definitely worth considering if you’d be better prepared and protected with motor legal cover in place before you need it.
Saga Legal Protection is underwritten by RAC Motoring Services.
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