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legal cover worth it?

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EazyDuz
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PostPosted: 10:04 - 11 Jun 2014    Post subject: legal cover worth it? Reply with quote
Been trolling around for insurance quotes and did one by phone however the guy kept banging on about legal cover for an extra 30 quid. I know these call centre monkeys will get commission on this so I didn't believe the importance he emphasised on it. So is it any good at all or just a profit making con?
It was with Kwik fit/kgm insurance
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TheArchitect
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PostPosted: 10:14 - 11 Jun 2014    Post subject: Re: legal cover worth it? Reply with quote
EazyDuz wrote:
Been trolling around for insurance quotes and did one by phone however the guy kept banging on about legal cover for an extra 30 quid. I know these call centre monkeys will get commission on this so I didn't believe the importance he emphasised on it. So is it any good at all or just a profit making con?
It was with Kwik fit/kgm insurance


I personally always opt to have legal cover, and on the car policy at least, I have so far managed to blag it in for free.

It comes in handy if you are stuck in a your word against his situation, because you can then hire a decent representative to scare the twats off.

Then again, if it's a non-fault incident the legal cost is usually paid by the third party.

See it the same as the insurance itself, you get it but hope you never have to use it.
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Ste
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PostPosted: 10:58 - 11 Jun 2014    Post subject: Reply with quote
Legal cover is worthless.

T.C wrote:
Ste wrote:
Ah well, you can thank MCE insurance for passing you to the no win no fee solicitors who were willing to pay them the most for the referral.


Totally agree Thumbs Up On top of which, referral fees have been banned since April 2013, hence the reasons so many insurers have now purchased law firms about to go out of business so that they can deal in house, hence the reason why so many are rubbish, simply because they are unable to charge the normal Law Society rate.

LEI is one of the biggest cons out there.

Go to Stockport where one of the biggest LEI law firms are based. Each fee earner is allowed 1 unit (6 minutes) per day on a file.


Legal cover doesn't offer anything that you can't get by going to solicitors and being represented on a no win no fee basis.

No doubt Rogerborg will be along shortly to sing T.C's praises but I'm pretty sure T.C is a bit more experienced and knowledgeable about such things.
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TheArchitect
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PostPosted: 11:02 - 11 Jun 2014    Post subject: Reply with quote
Ste wrote:
Legal cover is worthless.

T.C wrote:
Ste wrote:
Ah well, you can thank MCE insurance for passing you to the no win no fee solicitors who were willing to pay them the most for the referral.


Totally agree Thumbs Up On top of which, referral fees have been banned since April 2013, hence the reasons so many insurers have now purchased law firms about to go out of business so that they can deal in house, hence the reason why so many are rubbish, simply because they are unable to charge the normal Law Society rate.

LEI is one of the biggest cons out there.

Go to Stockport where one of the biggest LEI law firms are based. Each fee earner is allowed 1 unit (6 minutes) per day on a file.


Legal cover doesn't offer anything that you can't get by going to solicitors and being represented on a no win no fee basis.

No doubt Rogerborg will be along shortly to sing T.C's praises but I'm pretty sure T.C is a bit more experienced and knowledgeable about such things.


Problem arises when you're allegedly at fault according to all parties including feds and are trying your darnedest to escape a bum-tagging. No no-win-no-fee solicitor will touch you in that instance.
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EazyDuz
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PostPosted: 11:11 - 11 Jun 2014    Post subject: Reply with quote
On the fence now about to buy the policy but on the check box screen for legal cover. May ring up and ask to have it for £15 instead of £30.
Who are some good no win no fee solicitors then? And dont they take quite a big cut if you do win whereas the insurance legal cover wont?

Maybe a stupid question but im not clued up on all this as ive never made a claim
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TheArchitect
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PostPosted: 11:17 - 11 Jun 2014    Post subject: Reply with quote
EazyDuz wrote:
On the fence now about to buy the policy but on the check box screen for legal cover. May ring up and ask to have it for £15 instead of £30.
Who are some good no win no fee solicitors then? And dont they take quite a big cut if you do win whereas the insurance legal cover wont?

Maybe a stupid question but im not clued up on all this as ive never made a claim


They usually pick and choose the case they will take on. As far as I know, if you are to win the case then the third party has to cover your legal costs anyway so you pay nothing and keep all your compensation (if applicable). That said, read the small print with these sharks because you might be lumbered with a hefty 'admin' fee if you loose the case.

As you say, ring the provider and see if you can haggle them down a bit. I think it's worth it, but then I am a bit of a worrier. Crying or Very sad
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Ste
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PostPosted: 11:20 - 11 Jun 2014    Post subject: Reply with quote
Quote:
Problem arises when you're allegedly at fault according to all parties including feds and are trying your darnedest to escape a bum-tagging. No no-win-no-fee solicitor will touch you in that instance.

If you're at fault then your insurance company will take care of defending themselves.

If your claim is even if slightly viable then there'll be a no win no fee firm of solicitors who'll take it on.

Eazyduz, if you want to find a solicitors then good places to start are The Law Society and The Legal 500.

Good is subjective, you want solicitors who specialise in your particular type of injury. If you win then your legal costs are covered by the other side and if you're using a no win no fee solicitor then the solicitors have insurance that pays the bill if they lose. No win no fee is the layman's term for conditional fee agreement.

Legal cover just gets you the services of a no win no fee solicitor, only they've not been chosen because of their reputation, expertises or anything useful like that which any sensible person would base their choise of solicitor on.

You do not want a claims management company,
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EazyDuz
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PostPosted: 11:42 - 11 Jun 2014    Post subject: Reply with quote
Their company is Arc Legal Assistance it says.

This insurance is managed and provided
by Arc Legal Assistance Limited. It is
underwritten by Inter Partner Assistance
SA, on whose behalf
We
act.
The insurance covers
Advisers’ Costs
and other costs and expenses as detailed
under the separate sections of cover,
up to the
Limit of Indemnity
which is
£100,000 where:
a)
The
Insured Incident
takes place
within the
Insured Period
and within
the
Territorial Limits
, and
b)
The
legal
Action
takes place in the
Territorial Limits
.
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Rogerborg
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PostPosted: 11:44 - 11 Jun 2014    Post subject: Reply with quote
Ste wrote:
No doubt Rogerborg will be along shortly to sing T.C's praises

Shocked Really off base with that one. Tut Tut

No, I do not take "legal cover" because I read the terms and conditions the last time it was offered. As it turned out, it would only be provided if there appeared to be a reasonable chance of winning the claim / dispute.

So, as you say, under the exact circumstances where any solicitors would take it on anyway under a CFA.

However, things have changed a bit, and their fee now comes out of the total winnings, rather than being tacked on. So it's not quite as daft to pay £30 or whatever up front instead of potentially much more in the event of:

#1 Being involved in a claim.
#2 Where blame is disputed.
#3 And it looks likely that you'll win.
#4 And you do.

Personally though I don't insure on the basis that bad things are likely to happen, because if I did believe that then I'd reduce the risk to zero by not riding.
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duhawkz
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PostPosted: 12:12 - 11 Jun 2014    Post subject: Reply with quote
Rogerborg wrote:
However, things have changed a bit, and their fee now comes out of the total winnings, rather than being tacked on.


How it works now, the solicitors are no longer able to claim a success fee or uplift from the loosing party, any success fee is taken from the money awarded to the successful party, this is capped at a 25%, though the total success fee would be agreed with the solicitors at the point when you agree to pursue a claim. if you have a decent solicitor it could be 0%.

it was done to stop ambulance chaser turning a 3k whiplash claim in to a 12k bum raping for the loosing party buy sticking a 100% success fee on top of the damages and legal fees.

solicitors fee and other costs associated with the claim such as fees for expert witnesses and medical exmainations are still recovered from the otherside.
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nelmo
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PostPosted: 14:47 - 11 Jun 2014    Post subject: Reply with quote
Ste wrote:

If you're at fault then your insurance company will take care of defending themselves.

If your claim is even if slightly viable then there'll be a no win no fee firm of solicitors who'll take it on.


Exactly - this happens whether you have legal cover or not.

I've had 2 accidents where I wasn't at fault - both times, the insurance company didn't even tell me a solicitor was involved and they were claiming. All I knew was, 2 months later, I got a hefty cheque to pay for my leathers (I hadn't paid extra for clothing cover) and 'medical injuries' (sprained wrist).
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Ste
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PostPosted: 15:47 - 11 Jun 2014    Post subject: Reply with quote
Laughing Laughing Laughing Laughing Laughing

You mean Motorcycle Accident Management Services!?!

Claims management companies are a really bad idea, actual solicitors are a much better plan.
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EazyDuz
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PostPosted: 16:31 - 11 Jun 2014    Post subject: Reply with quote
Didnt get it in the end anyway. The guy wouldnt give a measly £15 discount so didnt bother
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Ste
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PostPosted: 16:42 - 11 Jun 2014    Post subject: Reply with quote
It still wouldn't be worth getting even if they gave you a £15 discount on it.
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iooi
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PostPosted: 17:56 - 11 Jun 2014    Post subject: Reply with quote
I really do not understand people who take out this legal Ins when you are FC.....

You pay the Ins co to do all that work.
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Commuter_Tim
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PostPosted: 18:37 - 11 Jun 2014    Post subject: Reply with quote
Ste wrote:

No doubt Rogerborg will be along shortly to sing T.C's praises but I'm pretty sure T.C is a bit more experienced and knowledgeable about such things.


Slightly off topic, but I thought that T.C guy was the one who raged and quit BCF after being harassed for legal advice repeatedly? Smile
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Ste
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PostPosted: 19:01 - 11 Jun 2014    Post subject: Reply with quote
He and Roger had a lovers tiff. Shocked

Razz
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m3-paul
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PostPosted: 20:56 - 11 Jun 2014    Post subject: Reply with quote
I was with LV when my M5 was squashed by a lorry. Luckily I had taken legal cover because even though the other insurance company settled the massive car hire costs (my car was away for around three months being repaired) they didn't seem to want to pay the also rather substantial repair costs.

LV instructed solicitors, I got the odd letter telling me of the progress but it was all very painless and importantly, financially pain free as well.

I always take legal cover now, both for the car and bikes. Hopefully never have to use it but comforting to know it is there should you unfortunately need it.
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Ste
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PostPosted: 21:04 - 11 Jun 2014    Post subject: Reply with quote
So the service you got was exactly the same as you'd have got by going to a reputable firm of solicitors. Not exactly a convincing reason for legal cover being worth having. Wink

They got your car repaired, I assume you also got paid for the reduction in the value of your car?
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m3-paul
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PostPosted: 21:53 - 11 Jun 2014    Post subject: Reply with quote
No reduction in value. Repairs carried out using brand new OEM BMW parts, certificate of repairs and a full photo album of repairs from the moment it drove in to the moment it drove out as proof of the quality of work. Traded it back to the same dealership with no reductions of trade in value, in fact I got a little better than I expected.

The value to me in having legal cover was that I had no worries at all about the legal process or potential costs. I had to do no leg work, everything was handled for me and I simply saw a couple of bits of correspondence and the case was dealt with quickly and cleanly.

At the end of the day it is down to the individual isn't it. I choose to pay £25 for peace of mind and the one time I have been unfortunate enough to have use of it, it was very welcome.
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Ste
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PostPosted: 22:41 - 11 Jun 2014    Post subject: Reply with quote
Meh, you'd get money for reduction in value because a car that's been crashed and repaired is worth less.

The worry of potential costs is the same with any other no win no fee solicitor (ie there is no worry). Although, from looking around quickly, it seems that the amount covered by legal cover is capped so it's not risk free.

Meh, it's your choice but getting legal cover is just lining the pockets of whoever sold it to you and it's of no monastery value to you.
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alt tab
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PostPosted: 22:50 - 11 Jun 2014    Post subject: Reply with quote
Legal cover is only usually applicable in a non-fault claim, and only usable if you have a 50% or more chance of winning your claim.
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Shaft
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PostPosted: 23:12 - 11 Jun 2014    Post subject: Reply with quote
Ste wrote:
Meh, you'd get money for reduction in value because a car that's been crashed and repaired is worth less.



It's only worth less if you can tell it's been repaired.
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Ste
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PostPosted: 23:15 - 11 Jun 2014    Post subject: Reply with quote
Yup. Get money for the reduction in value and at a later date when selling it decide if you want to be honest about it's history.

As it was repaired by BMW that means it'll all be documented anyway so harder to conceal than if it had been repaired by a body shop or suchlike.
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