Help Centre - Legal Expenses

Legal Expenses

What is legal expenses insurance?

Legal expenses insurance provides cover for up to £100,000 for legal costs that may occur if you’re involved in an incident that wasn’t your fault.

With this insurance, you can get up to £100,000 to help pay for the recovery of any uninsured losses that may happen following an accident, for example:

  • Loss of earnings
  • Travel expenses
  • Damage to personal effects
  • Seek compensation for any injuries you or your passengers may have received
  • Towing and storage
  • Recovery of out-of-pocket expenses from any negligent third party

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What does legal expenses insurance cover?

If you purchase legal expenses insurance, you are covered for up £100,000 in legal costs to recover losses following a road traffic collision where someone else is responsible in the UK or Europe.


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How can I buy legal expenses insurance?

If legal expenses insurance is available, it will be offered to you as an extra to you your short-term policy after you receive your short-term insurance quote.

Currently, legal expenses insurance is available to purchase alongside our standard car, van, courier, and motorbike policies from 1 hour to 28 days in duration.


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Are there any restrictions on cover?

This policy is only available to purchase from Tempcover alongside a short-term insurance policy.

Cover is only available from the start time and date of the short-term insurance policy you purchase alongside this cover until the end date of the short-term insurance policy.

You are covered within England, Scotland, Wales, Northern Ireland, Channel Islands, the Isle of Man, European Economic Area (EEA), and the European Union.

You will not be insured for claims that are your fault, have less than a 51% chance of success, any costs not approved by the underwriter in writing, or claims for stress, emotional or psychological injury unless you have also suffered a physical injury.


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What are my obligations

As part of your cover, you are obliged to:

  • Let the claims team know as soon as you are aware you need to claim
  • Always keep any losses you incur to a minimum
  • Co-operate and follow requests from the claims team if you make a claim and comply with the full terms and conditions

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How do I make a claim for legal expenses insurance?

Claims must be reported as soon as reasonably possible.

To make a claim on your legal expenses insurance, you must contact Coplus who manage all claims on our behalf.

You can contact Coplus by phone: 0333 241 3392 or via email: [email protected]

Make sure you quote ‘legal expenses insurance’ in all communications with Coplus.


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Can I cancel my legal expenses insurance?

You may cancel your legal expenses insurance before the policy commences by contacting us at [email protected] Providing the policy has not yet started, we will then refund the premium back to the original payment card.

If the policy has already started when you contact us, you may cancel it, provided no claims have been made or are pending. However, no refund of premium will be payable in line with our terms and conditions of cover.


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The cover you need for the duration you want

Full cover, no impact

Get fully comprehensive cover on our standard short term policies - plus it won't affect your no claims discount

Hourly, daily, weekly

Choose the duration you want with 1-12 hour and 1-28 day cover available - don't pay for cover you don't need

All customised, nothing added

Customise your policy to suit your specific situation - get the policy you want and even choose the minute you want your policy to begin

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