Motor Legal Protection provides legal assistance to recover the out-of-pocket expenses that you may experience as a result of an accident that was not your fault.

These can include the cost of your policy excess, the loss of earnings, damage to personal possessions or even personal injury to you or your passengers. As an insurance policy, this cover provides an affordable way to minimise the expense and inconvenience that a motoring accident can cause. You may also see it referred to as motor legal expenses insurance, or motor legal assistance, but we like to call it Motor Legal Protection - find out why below.

Motor Legal Protection is what's known as an insurance ancillary or add-on - it provides additional benefits that are not typically included under your standard motor insurance policy. This cover can be added to your motor insurance at the time of buying or renewing your policy, or as a separate stand-alone policy from an independent provider such as us.

What a good policy should include:

  • A minimum of £100,000 legal cover
  • Cover for personal injury claims
  • Protection for you and passengers
  • Cover for all your insured vehicles
  • Access to a 24/7 legal helpline

How it's better than the alternatives

Anyone is entitled to recover their uninsured losses, but this requires a great deal of time, effort and expense. A Motor Legal Protection policy can provide peace of mind knowing that an experienced legal professional can, and will, do this on your behalf, should you be involved in a accident that wasn't your fault.

This is in contrast to no-win, no-fee services, which provide assistance after an event has passed. These companies will manage your claim and, if successful, will take a cut of your compensation payout. With Motor Legal Protection, however, you'll always receive 100% of your entitled payout.

No-win, no-fee companies can choose to take on claims as they wish, meaning that you've got no guarantee of assistance after an accident. With Motor Legal Protection, however, the provider has an obligation to assist in any claim which falls under the terms of your insurance, whatever it may be.

With year-long cover for just £9.75, the choice is yours.

Why we call it Motor Legal Protection

Most legal expenses insurance policies only work to recover your uninsured losses. We like to call our cover Motor Legal Protection because we do more to keep you on the road - in an accident that wasn't your fault, we'll give you a replacement vehicle comparable to your own until your car's back on the road, all at no extra cost.

Silver Motor Legal Protection even provides a guaranteed replacement vehicle after an accident that was your fault. This is also provided after an incident involving fire, theft, vandalism or accidental damage. What's more, you'll get legal representation up to the cost of £100,000 if you face prosecution for an alleged driving offence.

Whilst other insurers may offer these benefits, we're confident that they can't do it for the price we can. We even offer Driving Licence Insurance as part of Gold Motor Legal Protection, protecting your lifestyle and livelihood if you become disqualified from driving.

We're committed to keeping you on the road.

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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