July 4, 2024

Motor legal expenses insurance: Is it worth it? 

By Bethan Harper

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When it comes to insuring your car, it’s easy to overlook additional coverage that doesn’t fall under your standard policy. After all, if you’re not legally required to purchase a policy, do you really need it?  

And, while it’s true that there’s no legal requirement to purchase an additional policy like motor legal expenses insurance, that doesn’t mean it isn’t something you should consider. 

Motor legal expenses insurance can provide you with financial protection in the event of a court case following an accident. This type of insurance covers your legal fees, giving you peace of mind and financial security should you need to pursue or defend a claim in court. While standard car insurance policies often don’t cover these expenses, motor legal expenses insurance can provide you with the additional protection you need in case the worst happens. 

In this article, we’ll help you to better understand what motor legal expenses insurance is and decide whether a policy would be worth it for you. 

Continue reading or click on the links below to skip to a relevant section. 

motor legal expenses
Female motorist getting out of car after crash

What is included in motor legal expenses insurance? 

Considering the potential financial risks associated with a car accident, it’s helpful to have additional insurance coverage in place and avoid finding yourself in a tricky financial situation.  

Motor legal expenses insurance is an additional coverage option that can help protect you from unexpected legal costs. This type of insurance covers legal fees, usually offering up to £100,000 in coverage. Some policies may also provide a legal advice helpline, allowing you to receive free guidance before any legal costs begin mounting up.  

In addition to covering legal fees, motor legal expenses insurance can also help with other expenses related to an accident, such as your excess, medical expenses, loss of earnings, travel costs and courtesy cars. This can provide you with greater peace of mind and financial security in the event of an accident, especially if the accident was not your fault.  

However, it’s important to note that the specific coverage and limits offered by motor legal expenses insurance can vary depending on the provider and policy you choose. So, always be sure to check the policy details before signing up to ensure it meets your needs. 

Also see: Do I need motor legal expenses insurance?

What isn’t included? 

As with any insurance policy, there are some exclusions to motor legal expense cover. These typically include: 

  • Legal proceedings that began before purchasing your policy: As is the case for the vast majority of insurance policies, any incidents that occurred prior to taking out a policy will not be covered. 
  • Claims that are unlikely to be successful: If your insurer determines that there is less than a 50% chance that your claim will be successful, it is unlikely your claim will be accepted. 
  • Motoring fines or offences: Some more serious prosecutions and penalties will not be covered by this type of insurance. For example, if you were drink driving or otherwise intoxicated when the accident occurred you will not be covered.  

How much does motor expenses insurance cost? 

How much motor expenses insurance costs can depend on a variety of factors, such as your personal details, the car you drive, how long you have driven and the provider you choose.  

Therefore, there is no set price for this type of policy.  

However, to give you an idea of how much you could expect to pay for a policy, Money Supermarket (2024) reports that the average cost of a policy ranges from £25-£30 per year.  

motor legal expenses
Lawyer providing legal advice

Is motor legal expenses insurance worth it? 

It’s not our place to tell you what type of insurance is worth it for your situation, that’s a decision only you can make.  

However, if you’re unsure of whether motor legal expenses coverage is right for you, here are some questions to ask yourself: 

  • Am I at risk of needing to make a claim? The more hours you spend driving, the more likely it is you could find yourself in an accident and need to make a claim. The types of roads you drive on also play a role.  
  • Can I afford to cover my own legal expenses? If you ask yourself this question and discover the answer is no, you might want to consider motor legal expenses insurance more seriously as without it, you could find yourself in a sticky financial situation.  
  • Can I afford to pay the policy premiums? While additional insurance can be extremely helpful in the long run, putting yourself under financial stress to take out a policy isn’t a great idea. 

Also see: Accident only income protection insurance: Is it worth it? 

Where can I buy a policy? 

When it comes to buying insurance policies, it’s important to take your time and carefully consider your options.  

With the convenience of so many providers operating online, it’s easy to get caught up in the excitement of finding the perfect policy, but it’s crucial to avoid rushing into a purchase. Instead, take a step back, assess your needs, and compare different policies to ensure you’re getting the right coverage for you. Remember, every policy is unique, so it’s important to do your research and choose the one that best fits your need 

If you’ve made the decision to purchase a motor legal expenses insurance policy, but you’re not sure where to find a policy or make sure you’re buying the most suitable one for you, why not consider a policy from Save More Money?  


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