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Car Insurance. Legal expenses cover – make it an essential

Legal expenses cover is well ( medical insurance ) worth including on your insurance policy, as this article explains.

Sometimes it's just not enough to be insured, as Simon, our accountant, found

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out recently. He loves his car, a BMW 7 Series with metallic silver paint, and thinks of it ( best mortgages ) as one of the family. So he made sure when arranging his insurance that he had every angle covered, and he chose to get the optional extra of legal expenses cover.

This optional extra doesn't add much to the premiums, but it can make a real difference in the event of an accident or claim. Even comprehensive insurance doesn't cover everything. So when Simon's car was hit in the back ( mortgages ) at the traffic lights a few months ago, he made the most of the extra capabilities that the legal cover gave him.

For example, Simon works as a self-employed accountant. If he's not working then he doesn't get paid. The BMW's repairs were all covered by his comprehensive ( cheap mortgages ) insurance and the paintwork would soon be restored to its former glory, but what about Simon and the fact that his wrist was broken in the accident?

Thanks to the legal cover, the processes of compensation for Simon were soon underway, and all at no extra cost. For just £2 a month extra on his premiums, Simon's legal advisers organised a compensation payout for his broken wrist. Simon was also unable to go back to work for a month so he would not be receiving any pay. Again, the legal cover stepped in and as we speak, negotiations are in the final stages to ensure that he receives compensation for his loss of earnings.

The whole point of this type of cover is that if you were not at fault in the accident, you can receive compensation for various issues that will inconvenience you. In Simon's case, this was loss of earnings and personal injury. For others, it may be that they can use the cover to rent a car while their car is being fixed at the garage. Not all people's car insurance provides provisions for a hire car. With legal expenses cover, you don't have to suffer such high levels of inconvenience, and you're not out of pocket.

Click here for part 2