Reply
 
Thread Tools Search this Thread
 
Old 04 November 2014, 14:16   #1
Member
 
Hightower's Avatar
 
Country: UK - England
Town: Fareham
Length: 6m +
Join Date: Sep 2003
Posts: 7,855
Motor legal cover...

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?
__________________

__________________
Andy

Looks Slow but is Fast
Member of the ebay Blue RIB cover club.
Hightower is offline   Reply With Quote
Old 04 November 2014, 14:31   #2
Member
 
Country: UK - England
Length: 3m +
Join Date: Sep 2008
Posts: 2,251
Legal cover is the new PPI. You probably have 5 legal covers which all overlap and which none may be any use.

If someone uninsured crashes into you, the legal cover should mean u can recover your costs by taking them to court. Only that assumes they can afford to pay and you know who they are. There will be some who can afford to, but most won't be able to.

It may be useful for some initial legal advice. But I'd rather be paying for that than having someone else decide what they will fund...
__________________

__________________
ShinyShoe is offline   Reply With Quote
Old 04 November 2014, 15:25   #3
RIBnet admin team
 
Poly's Avatar
 
Country: UK - Scotland
Boat name: imposter
Make: FunYak
Length: 3m +
Engine: 2 stroke YAM 20 HP
MMSI: 235089819
Join Date: Sep 2005
Posts: 10,114
Like all insurance its difficult to say until you are at the point when you need to make a claim. It is completely an optional extra - you aren't compelled to have it - so they should be able to justify why it is value for money since its often 10% of the total cost. Its often missold (IMHO) as being in case you get sued - actually thats what your insurance is for anyway - its in case you want to claim from someone else. You CAN buy the legal cover policy separately usually for a lot less than as part of a car or house policy!

As with all insurances they are full of loopholes. Beware who is covered (any driver, any car?). House ("Family") policies often cover motoring matters too. Usually any help is subject entirely to their discretion of what a "reasonable prospect of success" means.

However, given the continual cuts to legal aid a policy which will represent you for driving offences (usually only if license is at risk) may not be a bad thing. But it must be better to have 1 good policy than 3 patchy ones!

Of course insurance is PeterM's home ground so it will be interesting to see if he has any specific advice.
__________________
Poly is offline   Reply With Quote
Old 04 November 2014, 16:00   #4
RIBnet admin team
 
Nos4r2's Avatar
 
Country: UK - England
Town: The wilds of Wiltshire
Boat name: WhiteNoise/Dominator
Make: Ballistic 7.8/SR5.4
Length: 7m +
Engine: Opti 225/Yam 85
MMSI: 235090687/235055163
Join Date: Jul 2005
Posts: 12,645
RIBase
I have one specific legal cover that's seperate from my insurances-covers me for most stuff including driving injuries at work. It keeps the insurance costs down.
__________________
Need spares,consoles,consumables,hire,training or even a new boat?

Please click HERE and HERE and support our Trade Members.

Join up as a Trade member or Supporter HERE
Nos4r2 is offline   Reply With Quote
Old 04 November 2014, 17:21   #5
Member
 
spartacus's Avatar
 
Country: UK - Scotland
Town: Aberdeenshire
Boat name: Sula
Make: Ribcraft 4.8m
Length: 4m +
Engine: Tohatsu 60hp + aux
MMSI: 235087213
Join Date: Jun 2007
Posts: 3,268
RIBase
Small price to pay in my book for something that could become drawn out if you have an accident.

Years ago I had a car written off by a double decker bus which wasn't my fault. I only had third party fire and theft as it was my first car, but I had legal protection. The case took over 4 months to resolve (the car was in Skipton at a salvage yard and I was being charged daily for its storage.
__________________
Is that with or without VAT?
spartacus is offline   Reply With Quote
Old 04 November 2014, 17:58   #6
Member
 
Hightower's Avatar
 
Country: UK - England
Town: Fareham
Length: 6m +
Join Date: Sep 2003
Posts: 7,855
Thanks for your replys. Certainly would like to hear PeterM's thoughts Poly.

Matt, can you pm me details of your one covers all policy please. This I think is what I'm looking for.
__________________
Andy

Looks Slow but is Fast
Member of the ebay Blue RIB cover club.
Hightower is offline   Reply With Quote
Old 05 November 2014, 04:57   #7
Member
 
ashbypower's Avatar
 
Country: UK - England
Town: Salisbury/Poole
Boat name: Blue C
Make: XS 600
Length: 6m +
Engine: 125hp Opti
MMSI: 235082826/235909566
Join Date: Jan 2004
Posts: 1,439
Having been in a head on 120mph closing speed accident, where myself and my son suffered numerous breakages and other injuries including PTSD. Certainly glad of the Legal cover, they instructed our solicitor to handle everything to do with the accident. Although not our fault, there was always the worry that we would loose the court case, after refusing the other parties pittance of a settlement. !! It was reassuring to know that the "Safety net" was behind us.
__________________
Brian C
Harbour Sea School & APS Marine Centre
ashbypower is offline   Reply With Quote
Old 05 November 2014, 05:13   #8
Member
 
Nick Hearne's Avatar
 
Country: UK - England
Town: Bucks
Boat name: Blue & Ding Dong
Make: Ribeye,SR4 & Bombard
Length: 6m +
Engine: 115,50 & 15Hp Yams
Join Date: Feb 2004
Posts: 3,242
Quote:
Originally Posted by ashbypower View Post
Having been in a head on 120mph closing speed accident, where myself and my son suffered numerous breakages and other injuries including PTSD. Certainly glad of the Legal cover, they instructed our solicitor to handle everything to do with the accident. Although not our fault, there was always the worry that we would loose the court case, after refusing the other parties pittance of a settlement. !! It was reassuring to know that the "Safety net" was behind us.
+1 one for having it I have had two head on accidents both not my fault first with someone coming across the central reservation down a duel carriageway and the second some old chap driving the wrong way down a French autoroute!!
I was glad to have the cover and not the added hassle of appointing a solicitor.
__________________
Member of the Ribeye supporters club!!!
Member of Bombard 380 Aerotec club
Member of SR4 club
Nick Hearne is offline   Reply With Quote
Old 05 November 2014, 09:22   #9
Member
 
Country: UK - England
Town: Dorset & Hants
Boat name: Streaker/Orange
Make: Avon/Ribcraft
Length: 4m +
Engine: 50Yam/25 Mariner
Join Date: Apr 2007
Posts: 5,551
Quote:
Originally Posted by Hightower View Post
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.....
__________________
PeterM is offline   Reply With Quote
Old 05 November 2014, 14:37   #10
Member
 
Hightower's Avatar
 
Country: UK - England
Town: Fareham
Length: 6m +
Join Date: Sep 2003
Posts: 7,855
Anyone got a recommendation for a stand alone policy that covers multiple cars or members family?
__________________

__________________
Andy

Looks Slow but is Fast
Member of the ebay Blue RIB cover club.
Hightower is offline   Reply With Quote
Reply

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off





Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -5. The time now is 22:25.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.