'Claims assistance' and 'personal accident' cover??

[Cheeseybeaner]

Wondering on people's opinions on these 'optional extras.' They amount to an extra £30 on the premium I'm due to be paying but they don't give any detail on what these things would entail. Surely both are included in what the insurer would be doing anyway in the event of claiming? Or is the 'personal accident cover' on a TPFT policy kind of like a comprehensive policy extension for injuries only, i.e. if you were at fault you'd still be able to get compensation for an injury after a claim? I think in previous years 'legal expenses' cover was an optional extra with them.
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My bikes: 2003 KAWASAKI ZRX1200R, 1996 YAMAHA DIVERSION XJ900S

[DrSnoosnoo]

If you're on TPFT and you crash in to somebody else, the injury you cause yourself are your own fault so they won't cover that anyway? Then if you get hit, you claim from the other side anyway?

Might have to ring them and see what it actually means, and I was a sucker and paid for "legal expenses". Definitely not doing that again, If I get hit and it has to go to court, the other side will be in the wrong and will have to pay the fees anyway for the ballache they've caused.

Might be a load of tosh what I've written ....
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I'm Sam; Northern, Ginger, Lover
Did have: '95 ZZR600 '83 CG125 '97 ZZR1100 '15 Hypermotard 821 SP Do Have: '10 ZX10R

[G]

I'd expect them to pay you for this, not the other way around.

Effectively they are offering you a no win no fee solicitor which they get a big kick back from, but getting you to pay for it.
Guessing they're more likely to get people to use their services if they've paid some money to do so.

[Rogerborg]

[J.M.]

I had a sales woman on the phone trying to offer this to me. I flat out told her that I didn't want it. She kept questioning why. I told her I didn't need it, she was insistant that I did. It was "rare" for people not to buy cover with their policy.

In the end she got told to shut up or I'll hang up.

She shut up. A minute later she tried to sell something else.

I hung up.
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2004 R1 & 2018 XSR900

[arry]

[Polarbear]

arry, my car insurance comes with 'free' legal cover. Obviously it's not free but could I start threatening PPI at them and get a reduction?
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Triumph Trophy Launch Edition

[arry]

[G]

Indeed - as above, really they should be paying you to have it, as it gives them the opportunity to make a fat lump of cash if you have a non-fault accident.

So reasonably, they could actually increase the price if you don't take it! Charging for it is genius; and as above I suspect may well work as people will 'value' it more if they've paid for it and thus be more likely to use that rather than the next no-win, no-fee place.

[Rogerborg]

[Cheeseybeaner]

So any idea what 'personal accident cover' and 'claims assistance' actually means then? Assumedly going by whats been said its just an extension of the 'legal expenses' extra they used to tag on?
I take it 'personal accident cover' has no meaning in terms of making compensation for my injuries claimable in a fault accident or similar?
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My bikes: 2003 KAWASAKI ZRX1200R, 1996 YAMAHA DIVERSION XJ900S

[J.M.]

You have an non-fault accident... they'll provide services to help you claim.

But... if the accident is your fault... they have to anyway.

And... if the accident isn't your fault... there are loads of no-win-no-fee solicitors that will claim on your behalf and charge their commission back from the 3rd party insurer.

My friend is undergoing a claim using such a company right now.
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2004 R1 & 2018 XSR900

[RyanTZR125]

I took my TPfT policy out on-line and opted out of all extras, Recovery, claims assistance, personal injury, leathers and helmet cover etc...
With in 20 seconds I had a call from them, stating did you realise you have no extra cover etc... Tried hounding me into buying it, but I was having none of it.. As above if your TPFT you crash and injure yourself it's tuff? someone hits you and injures you, you claim off their insurance..

I basically wanted literally to get legally on the road all extras are pointless, if you break down, push it home. If you smash your bash hat buy another, if someone injures you, no win no fee jobbie. Why pay the extra £30+ each year for something you may never use

If on the other hand you have some ass, who is being difficult re insurance liability, that's when you may find that extra £30 pays off..

But in 20 years as a car driver, i paid the extras and never once claimed!! so even if that was an extra £30 a year (probably more) thats £600 i paid out for nowt
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1980 Honda H100A, Cafe racer. (SOLD)
1998 Yamaha TZR 125 4HX.
1999 Yamaha R6 YZF