What is motor legal protection?

What does legal protection mean?

countable noun [usually plural] Protections are laws and other official measures intended to protect people's rights and freedoms.

Is protecting no claims worth it?

If you have five years' no claims discount, it will significantly cut the cost of your car insurance. You could lose all that for just one accident. ... By protecting your no claims discount, you'll be locking in that discount. You'll continue to pay less on your premium even if you have an accident.

Does motor legal protection cover uninsured drivers?

If you're involved in an accident that's not your fault, Motor Legal Protection offers up to £100,000 of legal costs cover and can help you claim back uninsured losses such as excess and personal injury. It also helps defend you from motoring prosecutions and with claims against uninsured drivers.

Is free motor legal legitimate?

Free Motor Legal

But you don't need motor legal protection. Free Motor Legal offers free membership to its service for life; the £30 per vehicle, per year savings are available each year. Members do not need to renew each year once they have joined and it does not matter how many cars or vans or motorcycles they own.

Does Admiral cover uninsured drivers?

With Admiral, however, we have an uninsured driver benefit – if you're hit by an uninsured driver and you successfully claim through the Motor Insurance Bureau, your NCB will remain untouched. If you've been involved in an incident or need to make a claim, you can contact us online or by phone.

What is legal assistance cover on car insurance?

Legal cover provides financial protection against legal fees and losses following an accident that was not your fault. It is used to reclaim uninsured losses not covered by your standard car insurance policy. For example if someone sues you or you need to go to court to get money back from an uninsured driver.

What does breakdown cover mean?

Breakdown cover is a type of cover that can help you out if your vehicle breaks down. For example when your car battery dies or your tyres puncture, breakdown cover can provide assistance so you and your vehicle won't be left stranded on the roadside.

Do I need personal injury cover on my car insurance?

Personal accident cover isn't mandatory, and it does often cost a little extra – but you can't put a price on peace of mind. If you get in a serious accident, you might need expensive rehab, or you could even lose your work – but personal accident cover can help you recoup those costs.

Is car insurance compulsory in UK?

You must have motor insurance to drive your vehicle on UK roads. Third party insurance is the legal minimum. This means you're covered if you have an accident causing damage or injury to any other person, vehicle, animal or property.

What does family legal protection cover mean?

What is Family Legal Protection? Family Legal Protection will protect you and your family if you find yourselves in a difficult situation. Issues such as property or employment disputes, personal injury and personal identity theft are all covered, as long as the event happens after your policy has started.

What is a courtesy car?

A courtesy car is a temporary vehicle offered by a garage for use while your car is being repaired. Courtesy cars are often included as part of insurance depending on your level of cover.

Do you have to pay voluntary excess?

Voluntary excess is a non-obligatory amount that you choose to pay on top of the compulsory excess. When you receive a car insurance quote, we suggest that you look at how changing the voluntary excess affects your monthly premiums. * Remember to choose a voluntary excess amount that you're comfortable with.

Will my insurance go up if I have protected no claims?

If you've protected your no claims discount, then making a claim shouldn't affect the number of years that contribute to your NCD. However, if you've had an accident, the basic cost of your premium is likely to go up.

How many years no claims before you can protect it?

Normally you need to have at least five years No Claims Discount to qualify for No Claims Protection, however we have three insurers who do offer this benefit on a lower amount of No Claims Discount.

Can you protect 1 years no claims bonus?

Once you've built up a few years' no claim bonus, you can “protect” it with an optional extra fee. This means your no claim bonus will be safe-guarded, even if you make an at-fault claim.

Why is a legal protection important?

This Act protects the rights of the consumers and makes them aware of their rights as a consumer. ... This protects the rights of the consumers in case the products received by them are sub-standard.

What are the examples of legal rights?

What is Motor injury Protection Plus?

Motor Injury Protection Plus – £120,000 per person in each period of insurance, if a vehicle policyholder or their partner or named driver(s) suffers death or the loss of limbs/sight/hearing within three months as a direct result of a motor incident.

What is the difference between personal accident cover and personal injury cover?

Personal accident insurance pays out if you suffer a serious injury, die as a result of an accident, or become totally and permanently disabled. Personal injury insurance policies usually pay a fixed amount of money for specific injuries, depending on the level of cover, according to the Financial Ombudsman Service.