Motor Legal Expenses Insurance
Motor Legal Expenses Insurance is typically sold as an add-on to motor insurance but can also be provided on a standalone basis.
Commonly referred to as Uninsured Loss Recovery (ULR) where a policyholder was not at fault for the accident the policy covers the costs associated with recovering a policy excess, car hire charges and pursuing compensation for personal injuries.
We offer three Motor Legal Expenses products all of which include ULR. Where there are reasonable prospects of success our Accident Care and Complete Accident Care policies also provide defence for prosecutions that could lead to a policyholder losing their driving licence as well as pursuing a dispute relating to the sale, purchase, hire, service or repair of a vehicle.
| Uninsured Loss Recovery | Accident Care | Complete Accident Care | |
|---|---|---|---|
| Legal Advice 24/7 | Unlimited Access | Unlimited Access | Unlimited Access |
| Motoring Uninsured Loss Recovery |
£50,000 | £50,000 | £75,000 |
| Motoring Criminal Prosecution Defence |
n/a | £50,000 | £75,000 |
| Motoring Contractual Disputes |
n/a | £50,000 | £75,000 |
| n/a | Key Facts |
*Figures shown are the Limits of Indemnity per Insured Incident