Insurance Related - Legal Protection?

[TotalGSXR]

It seems a relatively new thing to not include 'legal protection' as a standard part of the policy any more. This year I've being offered legal protection for around 33% of the insurance policy amount (£30 for legal protection on a £90 insurance policy) which makes me wonder if I actually need it or not?

Any thoughtful advice or nuggets of insight to aid me in making an informed decision? I understand it'd be used to attempt to recover my uninsured losses, but if I'm fully comprehensive, short of my riding gear, there isn't much in the way of losses.

[arry]

You don't need it and they don't get charged £30 or anywhere near that amount for it; it's just a nice way of making up the policy charges as the commission on your premium is sum total of bugger all.

In the event of a loss where you actually need a panel solicitor, they'll be rushing to come to your aid 'for free' anyway, in a series of unwanted and unsolicited text messages and phone calls.

[Wonko The Sane]

my take is it's similar to being fully comp.

You don't legally need it and you buy it in the hope of not needing it.

I pay more than I need to for my car insurance as I choose a policy that has a guaranteed courtesy car in the event of any incident / claim that has my car off the road.
My wife's job requires her to have a car otherwise she's unable to do her work so it's the extra reassurance that an incident won't stop her being able to work.
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[LockyUK]

hmmm well, seems pointless

your fault = insurance will do anything possible to try not to pay out or as little as poss

not your fault = any ambulance chaser will take it up on a no win no fee basis

summary, legal protection is about as big a racket as PPI

[Minty]

I only buy it on home insurance as it gives you advice on any legal matter - contract disputes, unfair dismissal etc.
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My fingers smell of your mum.

[arry]

Home policy it's worth the peace of mind. Motor policy it's not - general rule of thumb. Won't take time to explain now as on phone and typing isn't easy but maybe when i have time

[Copycat73]

save your self £30 get it free here
https://www.yourkey.info/
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Whatever I post I have no citation and no intention of providing one..
caveat emptor

[blurredman]

I remember initially refusing to buy legal cover when taking out a policy a few years ago, but after a while they phoned back to say I could have it free I believe. Don't know what they had to gain from that.


And I still don't know what it is, someone please explain what 'legal protection/cover' is Thanks.
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CBT: 12/06/10, Theory: 22/09/10, Module 1: 09/11/10, Module 2: 19/01/11
Past: 1991 Honda CG125BR-J, 1992 (1980) Honda XL125S, 1996 Kawasaki GPZ500S, 1979 MZ TS150.
Current: 1973 MZ ES250/2 - 18k, 1979 Suzuki TS185ER - 10k, 1981 Honda CX500B - 91k, 1987 MZ ETZ250 (295cc) - 40k, 1989 MZ ETZ251 - 51k.

[DrDonnyBrago]

[Rogerborg]

[Wonko The Sane]

[T.C]

[Rogerborg]

[matto]

I signed up with these guys a while back https://www.freemotorlegal.co.uk/faqs.html not had to use them yet though.

[T.C]

[Walloper]