Originally Posted by Hightower
is it necessary?
I've got two car insurances that need renewing this week (one for me and one for the missus). Both current insurances have legal motor protection but whilst researching if one policy would cover two drivers I discovered that I might not need one any legal cover at all.
what are your thoughts?
Hi Andy - also known as 'uninsured loss recovery' . Not much to add to what has been said - in simple cases of an accident not being your fault the industry is quite well set up that you could manage this yourself with little effort.
However....as Brian & Nick have said in complex cases of injury etc or where liability is in dispute its worth every penny.
Been a Long time since I did much personal motor stuff - but worth checking into any exclusions around RTA / motor cases on household type covers and ensureing you don't confuse ' legal advice' helplines with this stuff.
Can get messy with hire cars and stuff credit hire etc - some high profile cases of the 'industry' getting that very wrong in the past ......google will reveal them..
For the sake of the small cost - I'd always suggest its good value.....