George, our freelance web site designer doesn’t take kindly to people driving into his car. It’s not as if he’s into road rage or uses his fourteen stone of gym honed muscle to exact retribution. No, he’s really got it covered another way.

He’s got legal insurance included in his car insurance. This allows him to claim for losses and costs not normally covered. So three months ago when his car was hit from behind at the traffic lights, the legal profession rallied round! Not for free you understand, after all who’s ever heard of a solicitor toiling for free? No, but it was free to George – his insurer paid all the legal costs.

Whilst his insurer got his beloved MX5 repaid, it doesn’t normally cover claims for personal injury or loss of earnings. So the extra £2 per month George paid for legal expense cover, proved money well spent. He’s already received compensation for the broken arm he suffered and negotiations for his loss of income are well advanced.

Legal expense insurance assists victims to claim back losses and compensation where the accident was not their fault. The losses can include the cost of hiring a replacement car whilst yours is off the road and, if you’re not comprehensively insured, the costs of having your car repaired. As in George’s case, legal expense cover will fund claims for personal injury and loss of earnings.

Legal expense cover is one of those things that’s under rated until it’s used. The insurer runs the claims on your behalf and sends you the settlement cheque at the end of the process. All you have to do is fill out the legal expense claim forms, speak to the solicitor nominated by the insurer, possibly answer a few more questions, and sit back.

You’ll find that on the Internet, most of the policies offer legal expense cover as an optional extra. That’s because as price competition is so fierce, the insurers chose to keep their headline premiums as low as possible.

The optional cost does however vary from company to company. For example, Budget charges £24 per year, Churchill £21, Direct Line £19.95, and More Than comes in at £17.85. Just a few such as Admiral, include some legal expense cover for free.

Make sure you check it out when you buy. Remember, complicated claims can drag on your years especially is severe injury is sustained, and settlements can end up in £ millions.

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