Just like John, having legal expense cover can help you claim losses and compensation where the accident did not happen due to your fault. As part of losses, you can claim cost of hiring a replacement car while yours is under repair, and if you are not comprehensively covered, then the cost of getting your car repaired. And just like in the case of my dear friend John, you can claim for personal injury and loss of earnings.

Legal expense cover is under rated unless a situation demands its help. The process of claims is simple. Your insurer will process the claim for you and send the settlement cheque to your address after completion of the process. What you need to do is fill out the facts as they happened on the legal expense cover claims form, speak to the lawyer appointed by your insurance company and be prepared to answer any questions that he/she may ask. And if your case does land up in the court, then your insurance company will represent you and fight on your behalf, though you will be required to attend the court proceedings, just like John.

The cost of legal expense cover varies from insurer to insurer. Here are some examples - More Than offers legal expense cover at £17.85 per year, Direct Line at £19.95, Churchill at £21 and Budget at £24 per year. Very few insurance companies like Admiral, include some legal expense cover for free.

Written By Karma Kontent