What's the deal with legal Protection on your insurance, worth it or not?
From first hand experience its not quite what I thought - my wife was side-swiped on a roundabout, absolutely 100% not her fault and agreed by both insurance companies.
However, having had her car repaired she had to pay her excess and two months on is still waiting for the "Legal Protection" people to claim it back from the other party.. Now, this company is nothing to do with the Insurance company and don't seem to be making any effort to do much, I am guessing because there is nothing else being claimed ie personal injury and the like.
From what I gather the Insurance company don't even pay the legal company anything despite charging you £30+ pounds, and the legal company just make money on commission when something beyond just an excess is claimed for.
Any views??
Insurance and Legal Protection
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Re: Insurance and Legal Protection
I can not comment on your situation regarding your wife's accident but my own experience of legal protection has been a positive one .
After my brother was killed in a motorcycle road incident it was through legal protection that a legal defense team was provided to fight his case against the car driver, that included solicitors & a barrister that stud up in court and secured a guilty verdict on the driver .
This was all provided at no extra costs to our families apart from the initial part of the insurance premium about £10.
So yes I think it's worth it & I all way have it .
Ian.
After my brother was killed in a motorcycle road incident it was through legal protection that a legal defense team was provided to fight his case against the car driver, that included solicitors & a barrister that stud up in court and secured a guilty verdict on the driver .
This was all provided at no extra costs to our families apart from the initial part of the insurance premium about £10.
So yes I think it's worth it & I all way have it .
Ian.
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Re: Insurance and Legal Protection
My experience has also been positive. Two occasions both satisfactorily resolved. Carole Nash.
1992 K100LT June 2010 110,000 miles
1984 K100RT July 2013 36,000 miles, 90,000
1983 K100RS Nov 2018 29,000 miles, 36,400 miles
1996 K1100LT Oct 2020 37,990 miles
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1984 K100RT July 2013 36,000 miles, 90,000
1983 K100RS Nov 2018 29,000 miles, 36,400 miles
1996 K1100LT Oct 2020 37,990 miles
1984 K100 Sprint March 2023 58,000 miles
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Re: Insurance and Legal Protection
Legal Protection cover is there to help you recover uninsured losses from a third party, so things like your policy excess, personal injury, hire car etc
If you haven't received payment from two months ago I'd be getting on to them and asking whats happening as it should have been settled once everything else is settled, problem is sometimes third party insurers are really slow in dealing with these things and they push them to the back of the pile of work which is why your legal expenses people should be chasing them
Legal Expenses also tends to be a totally separate policy and nothing to do with your actual insurance company.
If you haven't received payment from two months ago I'd be getting on to them and asking whats happening as it should have been settled once everything else is settled, problem is sometimes third party insurers are really slow in dealing with these things and they push them to the back of the pile of work which is why your legal expenses people should be chasing them
Legal Expenses also tends to be a totally separate policy and nothing to do with your actual insurance company.
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Re: Insurance and Legal Protection
I'd submit an invoice to the legal insurance company for the total of losses as agreed.