STi_Si

I am in the process of renewing my moped insurance and wondering whether to bother with the legal cover.

I have heard that a no-win no-fee solicitor will do pretty much the same job and will work on similar principles.

We have the cover on both family cars as well so don't know whether that would cover me anyway. Or a family policy from a third party company (Best Advice or similar) for £12 might be an option.

When you pay several hundred pounds a year for insurance then £25 is neither here nor there but the moped is only £60'ish to renew so adds a fair percentage!

Any thoughts/advice would be appreciated.

Simon

Milamber

iTrader: (2)

Don't bother. There is no need to pay for something that you can get for free is there?

If you've been injured through no fault of your own then literally ANY solicitor will be happy to handle your case for free.

Chris@A-Plan

It isn't just injuries that motor legal expenses covers!

If somebody hits you, most legal expense providers will pretty much fight the whole battle for you. They provide a like for like courtesy car whilst yours is in for repair (which is more useful than you think!)

There is also no excess to pay in a non fault incident. Most insurers will make you pay that until you are proven innocent, and for most Scooby drivers thats normally a minimum of £250. Thats quite a lot to fork out for something that isn't your fault!

On the injury side, there are solicitors that operate "no win no fee", but then if you do win, you have to take money out of the settlement!

For the £30 odd pounds, I'd definitely take it out. Because there is much more than just getting paid for injuries!

Milamber

iTrader: (2)

Providing a courtesy car will be offered by most specialist Solicitors and if you go to a Solicitor who tells you he is going to take money out of your compensation then tell him to get lost. There will be an abundance of Solicitors who wouldn't even consider doing that. Your best bet is to find a Solicitor through the Association of Personal Injury Lawyers (APIL) whose members all agree to a specific code of conduct. www.apil.org.uk

In addition the policy that you take out will, in all likelihood, compel you to use the Solicitors of their choice not yours. This could be at Lands End or Newcastle.

If you have SIDC membership there is a scheme in place to cover you for this so there is no need to pay £30 on top of your premium for something you've already got.

Taffy223

I was hit by Royal Mail artic in my old escort and he denied laibility but as I was fully comp I would still have the car covered either way but as did not want to have a liability against me on my insurance I decided to fight it and we went to court.
Our brief or whatever you call him was brilliant and the brief for the Royal Mail thought he was at the Old Bailey but we were just in front of one judge in a small room.
We won as I expected....I had diagrams of the road and photographs with google earth pics too.
My missus who had to be there as the car was in her name loved it...she was very nervous beforehand but enjoyed the process as we'd won, she thought it was better than Judge Judy..lol

I will always opt for the legal cover

But with any court case..dont be flustered by the other side and stick to the facts

JDM_Stig

iTrader: (3)

Do you need to have these covers over and over again, as most offer it with your home insurance, and if you have more then 1 car do you actually need it on each car ?
Isnt one legal cover good enough to cover all these? the only limits that vary seem to be the amount of legal costs it will cover ie £100,000 or 200,000.

Milamber

iTrader: (2)

With your household insurance it IS worth it. They don't usually cover you for RTA claims but will cover you for a number of other things such as employment advice, boundary disputes, sale of goods disputes etc.

For RTA related it isn't worth it in my opinion (a Solicitor) as you will easily find someone to do the work at no cost to you.

d7nmr

x2, i work for Budget and its lighly recommended. and you are covered around 100k with most companies.

Chris@A-Plan

Ours is £100k and one Motor Legal Protection Policy will cover every car you insure with us.

Household legal is separate, but very very useful as it specialises in exactly what Milamber says.

STi_Si

Interesting that the solicitors and insurance companies have differing views on this...

Can anyone expand on the above please as I am an SIDC member?

Anyone else with thoughts/advice please?

Milamber

iTrader: (2)

EFA




If you, any member of your family or any passenger in your car are injured in an accident (need not be an RTA) through no fault of their own then I (as I run the scheme) will run the case for you at no cost to yourself and with no deductions from your compensation. You receive 100% subject to a couple of small very obvious exceptions.

Simples..

STi_Si

Sorry if I should know, but EFA???


Which company do you work for then if I may ask? (PM if you prefer)

Regards
Simon

Milamber

iTrader: (2)

efa = Edited for accuracy. It's not the insurance companies who are posting on here. They are brokers who recommend a number of different policies according to your specific needs. And a very good job they do too, I personally use Moley and have done for years.


I'm not sure I am allowed to say who I work for in case I break the scoobynet terms and conditions but the mods will soon tell me off

We advertise on the web banner over on SIDC and are called Holmes & Hills

STi_Si

Thanks for the reply.

I use Moley myself for the scooby, the other family car (a focus) and my moped are with others. Was checking the SIDC site earlier and thought it was probably Holmes and Hills.

As it is SIDC related, would your services only relate to scooby accidents or would you deal with me and/or the wife on the other car/moped?

Am very happy with my insurance generally but don't want to pay for something I don't need.....

Milamber

iTrader: (2)

Provided it's not your/their fault it covers anybody in any car

STi_Si

Cheers

TonyBurns

iTrader: (3)

I have cover through my union so really I dont need it, check if your in a union if they cover you for legal expenses.

Tony

STi_Si

Thanks mate, have checked my union membership and the whole family is covered, regardless of vehicle...