Motor Prosecution Defence, included as part of Silver and Gold, provides up to £100,000 of legal representation for a wide range of motoring offences.

The legal fees involved in defending a motoring offence can be eye-wateringly expensive, but Motor Prosecution Defence can help keep these costs down. For drivers with 6 points or less, this benefit provides up to £100,000 of legal representation to defend your rights for a wide range of motoring offences that may lead to an immediate driving ban.

Motor Prosecution Defence provides a simple and sensible way of mitigating any expensive and unexpected legal costs. This benefit is included as part of Silver Motor Legal protection, and at just £19.75, it's all still cheaper than buying with your average motor insurer.

Take a look at what offences we've got you covered for below, and to learn how we can provide a monthly benefit of up to £2,000 if you're disqualified, visit Gold.

Motor Prosecution Defence includes:

  • Up to £100,000 of costs for legal representation
  • Access to a 24/7 legal helpline, 365 days a year
  • Cover for an appeal if you've been convicted following a defence by us
  • Included in Silver, just £19.75 a year.

Offences Covered:

Offences which are covered

Accident offences (AC)

  • Failing to stop after an accident
  • Failing to give particulars or report an accident within 24 hours
  • Undefined accident offences

Careless driving (CD 10-30)

  • Driving without due care and attention
  • Driving without reasonable consideration for other road users
  • Driving without due care and attention or without reasonable consideration for other road users

Construction and use (CU)

  • Using a vehicle with defective brakes
  • Causing or likely to cause danger by reason of use of unsuitable vehicle or using a vehicle with parts or accessories (excluding brakes, steering or tyres) in a dangerous condition
  • Using a vehicle with defective tyre(s)
  • Using a vehicle with defective steering
  • Causing or likely to cause danger by reason of load or passengers
  • Breach of requirements as to control of the vehicle, mobile telephone etc

Miscellaneous offences (MS)

  • Leaving a vehicle in a dangerous position
  • Unlawful pillion riding
  • Play street offences
  • Motor racing on the highway
  • Offences not covered by other codes (including offences relating to breach of requirements as to control of vehicle)
  • Driving with uncorrected defective eyesight
  • Refusing to submit to an eyesight test
  • Failure to give information as to identity of driver etc

Motorway offences (MW)

  • Contravention of special roads regulations (excluding speed limits)

Pedestrian crossings (PC)

  • Undefined contravention of pedestrian crossing regulations
  • Contravention of pedestrian crossing regulations with moving vehicle
  • Contravention of pedestrian crossing regulations with stationary vehicle

Speed limits (SP)

  • Exceeding goods vehicle speed limits
  • Exceeding speed limit for type of vehicle (excluding goods or passenger vehicles)
  • Exceeding statutory speed limit on a public road
  • Exceeding passenger vehicle speed limit
  • Exceeding speed limit on a motorway

Traffic direction and signs (TS)

  • Failing to comply with traffic light signals
  • Failing to comply with double white lines
  • Failing to comply with 'stop' sign
  • Failing to comply with direction of a constable/warden
  • Failing to comply with traffic sign (excluding 'stop' signs, traffic lights or double white lines)
  • Failing to comply with a school crossing patrol sign
  • Undefined failure to comply with a traffic direction sign

The offences covered also include prosecutions which may result in 12 or more penalty points under the 'totting-up' rules.

Offences which are not covered

Disqualified driver (BA)

  • Driving while disqualified by order of court
  • Attempting to drive while disqualified by order of court

Careless driving offences related to drink or drugs (CD 40-70)

  • Causing death through careless driving when unfit through drink
  • Causing death by careless driving when unfit through drugs
  • Causing death by careless driving with alcohol level above the limit
  • Causing death by careless driving then failing to supply a specimen for alcohol analysis

Causing death by careless driving (CD 80-90)

  • Causing death by careless, or inconsiderate, driving
  • Causing death by driving: unlicensed, disqualified or uninsured drivers

Dangerous driving (DD)

  • Causing serious injury by dangerous driving
  • Dangerous driving
  • Manslaughter or culpable homicide while driving a vehicle
  • Causing death by dangerous driving
  • Furious driving

Drink or drugs (DR)

  • Driving or attempting to drive with alcohol level above limit
  • Driving or attempting to drive while unfit through drink
  • Driving or attempting to drive then failing to supply a specimen for analysis
  • Driving or attempting to drive then refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity
  • Refusing to give permission for analysis of a blood sample that was taken without consent due to incapacity in circumstances other than driving or attempting to drive
  • In charge of a vehicle while alcohol level above limit
  • In charge of a vehicle while unfit through drink
  • Failure to provide a specimen for analysis in circumstances other than driving or attempting to drive
  • Failing to provide specimen for breath test
  • Driving or attempting to drive when unfit through drugs
  • In charge of a vehicle when unfit through drugs

Insurance offences (IN)

  • Using a vehicle uninsured against third party risks

Licence offences (LC)

  • Driving otherwise than in accordance with a licence
  • Driving after making a false declaration about fitness when applying for a licence
  • Driving a vehicle having failed to notify a disability
  • Driving after a licence has been revoked or refused on medical grounds

Theft or unauthorised taking, including theft or taking offences that do not lead to penalty points, and so do not have a code (UT)

  • Aggravated taking of a vehicle
  • This includes claims where you are found not guilty or charged with one of these offences but convicted of a lesser offence.

We will also not pay for:

  • Challenging a fixed penalty notice.
  • Parking or obstruction offences, insurance offences or challenging a fixed penalty notice.
Bronze Legal Protection
£9.75 Per Year
  • Up to £100,000 of legal expenses cover
  • Recovery of your uninsured losses
  • Unlimited, like-for-like vehicle hire for non-fault
Read more
Silver Legal Protection
£19.75 Per Year

All the features of Bronze, plus:

  • 14-day vehicle hire for fault, fire & theft claims
  • Motor Prosecution Defence cover
Read more
Gold Legal Protection
£54.75 Per Year

All the features of Bronze & Silver, plus:

  • Up to £2,000 a month if you're disqualified
  • Only available for drivers with 6 points or less.

Read more

Motor Legal Protection insures the policyholder in all of their vehicles. If you're looking to cover multiple drivers, then each person will need their own policy.

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