If you are surfing about free legal protection policy, you might have already decided which breakdown cover to purchase. While clicking on the buying button, you may have come across a tiny button asking you to get ‘free legal protection’ on your insurance. And it may have escaped your notice much too easily.
So, why bother talking about it. Well before we make a statement about how important legal protection policy is for you, imagine this.
By a misfortune, you are caught up in a nasty accident that happened by no fault of yours. And your car has suffered the accident worse than anybody else. Now you want to meet the culprit in the court. On the flip side, imagine that a driver of a car that you mistakenly injured wants to take you to court. What will you do in scenarios like these?
Be it a personal cover or a vehicle cover, legal protection on each type of cover is a must for you. A question might be popping inside your head: why do I need motor legal protection when I’ve already purchased a car insurance policy?
Well, read on to get acquainted with its unique benefits.
What Is Legal Protection Policy?
When you purchase an insurance cover for your car or motorcycle, you can additionally opt for a legal protection policy on your cover.
It will cover your legal fees when you need to pay the solicitor for going after the third party on your behalf. These kinds of legal expenses are often unexpected and immense, and your standard policy may not cover these. However, adding the legal protection policy to your cover would enable you to get coverage for uninsured losses.
When legal fees rise, there’s no limit to it. You might not even realize that your bills have fallen out of your grip. And if you don’t win the case in the court, the loss would be huge. While most policies would help you get legal cover, some policies would also give you access to effective legal advice and assistance that you can use in tough times.
Do You Need A Legal Protection Policy?
So, how to know if you need a legal protection policy or not. Well, it entirely depends upon your preferences and individual requirements. It’s not a legal requirement but it’s something that you should have to save your hard-earned money on unexpected legal expenses. Here are some questions to ask yourself before signing up for a legal protection policy:
Are you likely to need legal protection?
Think about it. Do you travel a lot? Do you want to be at peace while traveling to far-off places with an assurance that you are covered in case a mishap occurs? Is it worth the additional cost? Well, that is one question that you don’t have to worry about if you buy a breakdown cover from White Recovery. We offer a free legal protection policy along with vehicle or personal or any other type of breakdown cover.
Do you already have a comprehensive policy?
If you already have a comprehensive policy that covers legal expenses, then getting an additional protection policy won’t be necessary for you.
Are you or your vehicle already covered?
Go through your papers and check if you have a car breakdown cover that offers motor legal protection as well. If that is the case, then you don’t have to purchase a legal protection policy.
What All Is Covered In A Legal Protection Policy?
Most legal protection policies cover the out-of-pocket expenses that occur when you are involved in an accident that was not your fault. The policy covers your unexpected losses and uninsured parts of the car/motorcycle. Some of these expenses include:
- Vehicle repair costs
- Travel expenses
- Replacement of seats or windows
- Recovery, towing or storage
- Compensation for personal injury to you or your companions
- Vehicle hiring costs
- Loss of earnings
- Recovery of insurance excess
- Damage to personal effects
You can request your insurance provider to either arrange for a repair session through a nationwide network of registered and trusted mechanics or repairers. Or, you can request them to pay the cost of the speculated repairs in advance.
At White Recovery, we are offering our patrons a free legal protection policy. So, you just have to choose the breakdown cover and we will add up the legal protection policy to it for no extra cost.
What Is Not Covered In Free Legal Protection Policy
Getting a legal protection policy does not guarantee that your insurance provider will take your case. There needs to be a good enough possibility of winning the case for them to pursue the third party. If your provider does not expect the legal case to go in your favor, he/she may even deny taking your case.
It’s important to remember that legal protection policy is meant to cover your legal expenses that may have occurred due to an accident or any motoring related incident. You won’t be able to use this policy for covering any other kind of legal fees.
What Are The Pros and Cons Of Free Legal Protection Policy?
There is no doubt that the pros of legal protection are more than the cons. Check the pros first.
- If you are involved in an accident, a legal protection cover will cover your legal expenses. You won’t have to spend extra on hiring a solicitor if the case gets nasty. It saves a lot of your time and money.
- If a third party makes a claim against you, legal protection will cover the costs you incur to defend yourself.
- Most legal protection policies come with an around-the-clock helpline that assists you with your legal issues.
And now the cons:
- A legal protection policy is costly. However, at White Recovery, it’s free. So, you don’t have to worry about that.
- If your case is messy, the insurance provider might deny taking your case.
- Your insurer has the right to refuse your case even if you have a likely chance to win.
Free Legal Protection Policy- FAQs
1. Will I get a car to escort me after an accident?
When you add the legal protection policy to your motorcycle or car breakdown cover, you get complete protection for situations like these. If the accident occurred entirely because of the other person’s fault and your vehicle is not in a condition to be driven, then your insurance provider will arrange for a replacement car to escort you to your destination.
2. How do I avail legal protection?
Well, you should have all the details handy when you make a call to your insurance provider. Details like your policy number and your car registration should be there. On your policy documents, you will be able to find your insurer’s claim number. When in an emergency, dial the number and explain to them what happened in detail. They will register your claim, and reach out to you at the earliest possible time.
3. Can I get the legal protection policy removed from my cover?
Yes, you can. If you buy a breakdown cover from White Recovery, you will get free legal protection policy. So, removing it from the cover would be needless. However, if you still wish to get it removed, you absolutely can