Motor legal assistance

This optional cover protects you against legal costs which can arise from an insured road accident or event.

Motor legal assistance

What is legal assistance cover?

Legal assistance helps protect you from the costs that can arise from legal action following a road accident or other insured event. For example, if you're involved in an accident that wasn't your fault, we'll negotiate the recovery of your losses from the person who was responsible, including compensation if you're injured.

We'll also pay legal costs of up to £10,000 across a range of insured events, including motor prosecution defence, pothole damage, illegal clamping and towing, and motor consumer disputes involving the sale, purchase or hire of an insured vehicle.

What’s included with motor legal assistance cover?

  • A purple tick
    Policy Expert’s Motor Legal Assistance cover will pay up to £100,000

    in legal expenses in any period of insurance for the recovery of any losses as a result of an action you’re involved in that wasn’t your fault.

  • A purple tick
    We’ll also pay up to £10,000 (incl. VAT) for the legal costs around a number of different scenarios, including:

    motor prosecution defence, pothole damage, illegal clamping and towing, unenforceable parking fines and vehicle identity theft

  • A purple tick
    Access to our motor legal advice line

    a UK helpline that provides confidential legal advice on any legal matter relating to the use of your vehicle.

How do I check if legal assistance cover is included in my car insurance?

If you've chosen Policy Expert Gold car insurance, legal assistance is included as standard.

If you've chosen a Bronze or Silver policy, legal assistance is available as an optional extra. To see if you've included it, log in to your online customer account.

What isn’t protected by legal assistance cover?

For a full list of what isn’t insured, please check the legal assistance policy wording and insurance product information document. Both of these are available on our website. If you have legal assistance cover, you can also check your documents in your customer account.

  • We can’t cover any charges or payments

    ou make or receive before we’ve accepted the claim, or that we’ve not agreed to.

  • A cross
    There must be reasonable prospects of success

    in your legal action for us to accept your claim.

  • Any claims where you have been

    using your car for racing, rallies, trials, off-roading, or any other competition.

How do I make a motor legal assistance claim?

Thinking about making a claim?

Our legal assistance claims team are available 24 hours a day and you can contact them by calling 0800 953 1114. Legal assistance cover is an optional extra, so you'll only be covered if you added it when you bought your policy. If you're unsure, log in to your customer account and check your policy schedule.

Motor legal assistance FAQs

What happens if I’m injured in a car accident that isn’t my fault?

With our cover, we will pay up to £100,000 in legal fees within your period of insurance to recover any uninsured losses you've suffered, inlcuding compensation for injury.

What can I do about being illegally clamped?

With legal assistance cover, we will pay £10,000 of legal fees to take legal action to recover any fees that you had to pay if your car was illegally clamped or towed.

Explore our car insurance optional extras

Key Cover

Key Cover

Cover the cost of replacing lost, stolen or damaged car keys and locks.

Excess Protection

Excess Protection

Claim back your policy excess after an approved insurance claim, up to your cover limit.

Breakdown Cover

Breakdown Cover

Get roadside assistance, recovery and onward travel if your car breaks down.