Brokers: General Insurance Products

Motor Legal Protection

Why Motor Legal Protection Insurance?

Being involved in a motor accident can be distressing for everyone involved. Dealing with an insurance claim following an accident can be complicated, time consuming, and without the appropriate insurance cover, potentially expensive.

Our Motor Legal Protection Policies provide advice, assistance and insurance to cover your legal costs in pursuing your rights if you were not at fault. For non-fault accident all of our policies cover your legal costs in pursuing compensation for any personal injuries sustained and your uninsured losses.

We offer three levels of cover. Our Premier Policy extends the Standard Policy to provide full accident management assistance. This means that we will provide assistance whether the accident was your fault or not, thereby helping to reduce the complexity and stress for you. We will deal with your insurance company on your behalf, arrange repairs and source hire vehicles for you as well as dealing with any personal injury compensation claims or uninsured losses.

Our Platinum Policy builds on the Premier Policy and includes accident recovery insurance for your vehicle in the UK as well as providing you with a hire car for up to 14 days in the event that your car is written off in an accident. The Platinum Policy also extends the Premier cover to your immediate family (family members living at the same address).

The Cover

All levels of cover provide personal injury and uninsured loss cover for non-fault accidents.

Uninsured losses are typically your policy excess, reasonable hire charges for a replacement vehicle, accident repair costs (for non fully comprehensive policy holders) and compensation for damage to your clothing, luggage and personal effects.

The personal injury and uninsured loss cover has a limit of £50,000 per claim. Accident recovery insurance with the Platinum cover is subject to a limit of £250.00. Write off replacement cover for a Group A car is for a maximum of 14 days.

Levels of cover	Standard	Premier	Platinum
Personal Injury Cover
Uninsured Loss Cover
Accident Claim Management
Write Off Replacement Vehicle
Accident Recovery Insurance
Family Cover

At a Glance

• Uninsured loss and personal injury legal cover
• Options for full accident assistance and management
• Up to £50,000 of legal cover (this can be extended up to £100,000 by arrangement)