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Recover costs from an accident that wasn't your fault
If your van is involved in an accident, you may have to pay certain costs and expenses even if you weren't to blame.
Motor Legal Expenses Insurance is available as an optional extra with our van insurance policies. It will cover up to £100,000 towards legal expenses which you may incur if you have an accident that wasn’t your fault where there’s a responsible third party. The policy is underwritten by RAC Insurance Limited.
If you report the incident as soon as possible (and there must be a 51% or greater chance of legal proceedings being successful) Motor Legal Expenses Insurance cover could help you with recovering costs from the responsible third party:
| Cover up to £100,000 per claim | |
|---|---|
| 24 Hour Claims Helpline | Call to discuss an accident and determine if it’s covered by Motor Legal Expenses Insurance |
| Up to £100,000 in legal costs incurred in bringing a legal action against the at fault driver (3rd party) to recover uninsured losses | Uninsured losses include: loss of earnings if unable to work, compensation for personal injuries, medical cost, personal possessions if damaged in the accident, replacement vehicle hire and vehicle repair costs |
| Motor Prosecution Defence | If the policyholder/named driver is accused of committing an offence under road traffic laws their legal costs will be covered. This covers things such as speeding, driving through the red light or overtaking another vehicle on a road or part of a road where it is not permitted |
| Motor Vehicle Consumer Disputes | Covers disputes regarding the sale, purchase or hire of goods/services relating to policyholder's vehicle, including the vehicle itself. This covers things such as buying a vehicle that does not fit the description |
| Vehicle Identity Theft | Provides legal cost to defend the policyholder if another person or organisation uses their vehicle identity without their permission e.g. another vehicle with the policyholder's vehicle registration number is accused of filling up with petrol and driving
off without paying |
| Motor Insurance Database disputes | Will cover legal cost to defend the policyholder in a dispute with police/government where their vehicle has been seized due to not appearing on the Motor Insurance Database. This can happen if their insurer has not confirmed on the database that cover in force, or incorrect information has been provided e.g. vehicle registration number inputted incorrectly. |