When you’re involved in an incident that wasn’t your fault, the last thing you want to worry about is having to pay legal costs to recover losses.
With legal expenses insurance, you get peace of mind that these costs are covered, and you can pursue legal action with financial support.
You can add legal expenses insurance to your short-term policy for that extra bit of security when borrowing a vehicle or using one you’re not already insured to drive.
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
Do I need legal expenses insurance?
There is no legal requirement to have legal expenses insurance and you can still purchase short-term cover from Tempcover without it.
Legal expenses insurance can however be a helpful policy to have if the costs of legal action following an accident would be too expensive without support.
If, however, you could afford the cost of pursuing legal claims or wouldn’t want to pursue losses after an accident, you may not need it.
For what can be a small fee alongside your short-term motor policy, having legal expenses insurance could save you money in the long run.
What you’re covered for with legal expenses insurance
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.
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.
How much does excess reduction cost?
The cost of adding excess reduction depends on the duration of your policy and the level of protection offered. Your quotation will clearly detail the cover and premium.
Where is Excess Reduction available?
Currently, you are able to add excess reduction to our temporary car, van, and motorbike insurance products that are 1 hour to 28 days in duration.
Where is legal expenses insurance available?
Currently, you can add legal expenses insurance to our temporary car, van, courier, and motorbike insurance products that are 1 hour to 28 days in duration.
If legal expenses insurance is available, it will be offered to you as an optional extra to you your short-term policy after you receive your short-term insurance quote. Just look out for it on the payment page.
How do I buy legal expenses insurance?
It’s easy to add legal expenses insurance to your policy.
Once you’ve completed your quote and seen your price, you will be presented with our range of policy extras including breakdown cover and excess reduction cover.
You’ll see how much it costs, and you can add it to your policy in one click. Your total price, including any extras you’ve added, will then update before you buy your policy.
Once you’ve purchased your policy, you’ll receive all the relevant information about your legal expenses insurance via email along with your policy documents.
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.
Making a claim
If you do have to claim on your short-term insurance policy and want to use your legal expenses insurance, simply contact our dedicated claims handling team.
They will guide you through the steps of making a claim including how to claim your legal expenses insurance. Make sure you quote ‘Legal Expenses Insurance’ when talking to the claims team.
For more frequently asked questions about excess reduction visit our Help Centre and look in the Legal Expenses Insurance category.