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Full support and assistance when you need to make a claim
Our policy for Motor Legal Expenses Insurance provides you with peace of mind knowing that if you have an accident that is not your fault, you can still recover 100% of your rightful losses despite the provisions of the Civil Justice Reforms which apply from 1st April 2013.
Prior to 1st April, if you were not at fault, you could recover all your losses from the Third Party in a Motor Vehicle accident. The reforms introduce a number of measures, the primary ones of concern being:
- You now have to pay the premium of around £ 300 for any After the Event Insurance purchased to support a claim being made against the at fault party.
- Your Solicitor can take up to 25% of the recovered damages in a case as a Success fee.
Our Motor Legal Expenses Insurance provides a ‘Before the event’ solution. This means you take out the insurance on an annual basis and if an accident occurs during the policy period, the legal costs of recovering your losses in full are Insured. There is no ATE premium to pay each time you have an accident and no success fee (provided you are happy to use our panel of legal advisors)
We are selling this product at cost because we believe it is essential cover for our customers.
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