What does motor legal expenses cover?

If you were involved in a motor vehicle accident your motor insurance will not provide any compensation for:

• Any injuries you suffer
• Any loss of earnings you suffer as a result of the accident (e.g. if you have to have days off work)
• Other out of pocket expenses such as
• Items that may have been damaged in the accident (e.g. mobile phones, tablets etc.)
• Transport costs
• Telephone calls

Motor Legal Expenses cover could help you with recovering the below from the responsible third party:

• Alternative travel costs for commuting whilst your car is out of action.
• Compensation for personal injury.
• Loss of earnings.
• Cost of replacing damaged possessions e.g. phone, keys, shopping carried at the time.
• Access to a 24hr legal helpline.

• Motor prosecution defence if you are accused of or have committed a driving offence.
• Dispute regarding a vehicle sale or purchase and servicing / repairs not up to expected standard

Things you should know

• Details of the third party at fault must be known to proceed with your claim.
• There must be a reasonable chance that legal proceedings will be successful.
• Legal proceedings must not be commenced without the Insurer’s permission.
• Legal expenses or other cost are not covered if they are incurred prior to the insurer accepting the claim.

For full terms and conditions, please see your policy booklet:

For policies taken out BEFORE 28th May 2021 - Policy Wording (PDF 285KB)

For policies taken out ON OR AFTER 28th May 2021 - Policy Wording (PDF 355KB)