Motor Legal Protection Cover (often referred to as Uninsured Loss Recovery – ULR Cover). A money saving idea for what we regard as an essential policy for £9.99 p.a.
A Motor Legal Protection policy is an insurance contract which provides legal assistance if an accident was not your fault.
A Motor Legal Protection Policy ‘inclusions’ are generally the ‘exclusions’ of a Motor Insurance Policy.
If a Motoring Accident is not your fault …….
Some have questioned the value of Motor Legal Insurance (also known as Uninsured Loss Recovery), however, what some don’t realise is this cover fills the gaps which your general motor insurance policy doesn’t. Cover such as…….
- Personal Injury – Claiming for compensation for injuries sustained to you or any passenger when the accident is not your fault.
- Excess Recovery – Under your motor insurance you would normally have an excess to pay up front even if the accident is not your fault; the Motor Legal Insurance Cover will recover this back for you…. if the accident is not your fault.
- Personal Property Recovery – Claiming for damage to personal property such as glasses or clothing…. again, if the accident is not your fault.
- Vehicle Hire – If your vehicle is in need of repair following an accident which is not your fault, the policy will provide a replacement vehicle. We have a 14-day own fault Courtesy Vehicle Hire available as an additional benefit for an additional cost.
- Loss of Earnings – if the accident is not your fault and you sustained injuries which affects your ability to work. Your legal representative will work to recover the loss of income suffered.
What if the other driver in the accident is uninsured or untraceable? We will even be able to recover (1-4 above) if you have an accident with a driver who doesn’t have insurance. This is through the Motor Insurance Bureau (An insurer funded body which has been set up to pay out should you be a victim in an accident caused by an uninsured or untraceable driver).
Third party cover…This cover is even more beneficial if you only have Third Party or Third-Party Fire and Theft, as we will claim back repairs to your vehicle if the accident is not your fault.
How we recover your losses – This type of policy does not pay out like Motor Insurers do, the representative actually collates all your losses and then present it to the other driver’s insurer (or the Motor Insurance Bureau) to pay. This is a job for a specialist and saves you appointing a ‘No Win No Fee’ legal form at up to 50% of what is awarded for an annual cost of £9.99.
Solicitor in your pocket 24/7…. On top of all the above, this cover offers you unlimited access to a solicitor at the end of a phone 24/7. You can therefore phone when it’s convenient to you. Not only can you phone when you like, the legal advice given is available for personal legal advice…. that means it’s not just restricted to motor but can be given in relation to household issues too; such as neighbourhood disputes, if you have any problems with your employer, probate issues…to name but a few.
Huge value that often does unnoticed!
Competitors – This cover is generally bought as an add-on to Motor Insurance however, Bestpricefs are able to offer this to you on a direct stand-alone basis which can provide a reduction in premium of up to 60%. Even Comparison websites don’t offer this cover on a stand-alone basis. There are a handful of competitors that do but not at the cost of £9.99 per annum.
The general cost for Motor Legal Protection as an ‘add on’ to a Motor Insurance Policy is approximately £35 per annum. Our product is an exceptional contract at excellent (Best price) value.
Take a look at our blog dated 5 March 2018 https://www.bestpricefs.co.uk/blog/motor-legal-protection-uninsured-loss-recovery-cover/ which explains more about the benefits and the quality of the cover (Impact of the ‘Whiplash Crackdown’).
The contract is underwritten by International Insurance Company of Hannover SE (Inter Hannover), who are rated ‘AA’ (Very Strong) by Standard & Poors and A+ (Superior) by A M Best.
You can purchase the product via our website on https://www.bestpricefs.co.uk/motor-legal-protection.
We are busy building many more Insurance and Investment Products that will be available online (some requiring advice) at the best price available to the retail market, such as: –
Tax products – BPR/VCT/EIS
Peer to peer products
Managed Portfolio Services
Watch this space…. Best PriceFS – your one-stop financial shop………………