Motor Legal Protection - views

I personally don’t bother and if involved in a no fault accident then I would be considering a specialist solicitor.


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Garry Matson said:
I personally don’t bother and if involved in a no fault accident then I would be considering a specialist solicitor.


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this - you choose the solicitor and they will recover their fees from the 3rd party - many will give a free 30 minute consultation about your potential claim prior to any commitment
 
Yes. It seems the logical way. Just very annoying that they try to push you to buy it but hardly any guarantees that it's worth it. Add the fact that they all are only linked to the policy you buy but can buy a separate one that covers you for different policies for less money?
Just wondered if anyone had more experience on use.
Thanks for the replies.

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Joca said:
Yes. It seems the logical way. Just very annoying that they try to push you to buy it but hardly any guarantees that it's worth it. Add the fact that they all are only linked to the policy you buy but can buy a separate one that covers you for different policies for less money?
Just wondered if anyone had more experience on use.
Thanks for the replies.

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many years ago, my mother had a car pull out of a side road in front of her with resultant impact, rib & sternum fractures. She was in the AA and used their legal claims service. It worked but it was a clear case as there was a police incident report. The AA's chosen solicitor did try to get her to accept the first offer of compensation for the injuries from the 3rd party insurer but we played the game and said, fuck off," as you do. 50% increase in the offer was made, which was accepted. Any decent solicitor would have taken on the case and got a similar result.
 
I was listening to an add for motor insurance they were bigging up the uninsured driver bit ,but the small detail was that you have to have the uninsured drivers details ,which if they are do a runner you will still be have to claim on your own insurance . I generally get the legal protection in my insurance but don’t bother with the protected no claims as it’s only valid if you stay with them.
 
I tend to always add the little extra for the legal cover, I suppose you can go elsewhere and pay for it if you consider it not good enough. When I was involved in a no fault accident many years ago I had them represent me and took on the battle that lasted quite a few years. It ended up in the Royal Courts of Justice, which I thought was a bit posh for a motorcycle claim. I ended up with a few quid in my pocket (which is never enough) that was considered ok at the time. I'm sure the cost would have been on the extreme side if I had to pay for the services of a legal firm, and if they did offer a no win no fee agreement, what percentage is they cut?
 
I wouldn't be with out the legal protection added to my bike policy, sadly I have first hand experience of the benefits it can bring when my older brother was killed in a head on crash while coming home from work.
The legal protection provided a solicitor to start off with & when the case went to court we the family was given the services of a top barrister.
All there services was totally professional & for us we got the right results which put the car driver behind bars.
Ian.
 
I bought a legal protection policy from the RAC. It covers the person rather than the vehicle.
My bike insurer wanted £18 per bike!! Three bikes plus another vehicle. The RAC policy was about £20.
 
That is kind of my view... Just annoying that they can do whatever they want as usual...
Insurance make me sick...

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With joint memberhip of Boundless, formerly CSMA (Civil Service Motoring Organisation) there is an inclusive legal protection policy covering both partners for any motor vehicle, so for £32 per year it is worthwhile as a just in case. If for whatever reason it won't help you, hay ho the other benefits are still worth having. At least you have the choice to use it or go your own way with a legal claim.

The benefit of having an independant policy not tied to your motor policy is that your insurer can't sell your claim or appoint their own solicitor. That is not to say the Boundless policy won't do this but at least your insurer does not have a financial interest.
 
Nippy Normans supply Touratech, Wunderlich, Desert Fox and many other makes of accessories.
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