Driver’s Legal Protection underwritten by Covea Insurance PLC is included as standard in our Classic and Premier car insurance options and 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
If you report the incident as soon as possible and your case has a reasonable chance of success, Driver’s Legal Protection cover could help you with recovering the below from the responsible third party:
Legal costs can quickly spiral out of control, especially with the associated costs like hiring a lawyer, but driver's legal protection can protect you against that happening. Here’s what you need to know about it.
What is drivers’ legal protection?
Driver’s legal protection is insurance that covers you against the legal costs of recovering uninsured losses, such as excesses, that can arise out of a car accident that wasn’t your fault, and where there is a responsible third party. It’s not included in most standard car insurance policies, so you’ll usually need to ask for it to be added on.
What does driver's legal protection cover?
Driver’s legal protection will help when you have been involved in a car accident that wasn’t your fault, and where there is a responsible third party. Some of the situations when this may happen are:
Be aware that if you need legal advice following an accident, most driver's legal protection policies don't include access to a solicitor.
The majority of driver's legal protection policies will cover you for between £50,000 and £100,000 worth of legal expenses.
How do I make a claim using driver's legal protection?
You should contact your insurer about the situation as quickly as possible . Don’t forget to have your car registration and policy number to hand.
For the claim to go ahead, your insurer will want to be reasonably certain that the legal action will be resolved in your favour. If this is not the case - if you ran into the back of another driver, for example - then your insurer may be unwilling to pay your legal fees.