Do you REALLY need legal cover (£30) on your insurance?

[guile]

I understand almost everyone takes this out. It covers your legal costs up to £100k in the event of a non-fault accident.

Aren't there a 10 million accident management firms who will take your case on via no win/no fee?

[MC]

Not an expert, but with qualified one-way cost shifting, you can end up with nothing or even owing money if you go to court (something I'm currently facing). So yeah I'll be taking it out in future
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Yamaha MT-03 '08 (crashed)
Honda XR-125L '04

[P.addy]

I aim to get the least amount of cover, you are unlikely to lose unless you ride like a total wanker and smash into a school bus at over 100mph in a 30.

[ReadySalted]

Back when I was 17, I rode a 125 on L plates and a taxi driver knocked me off. The case was relatively clear cut, that the taxi was at fault, however my insurer (Swinton), had no success in getting a response from the insurance company of the taxi driver. I happened to have legal cover on my policy, and this was what allowed Swinton to threaten the other insurer with a court case. I was told by Swinton, that it is only possible to do this if the policy has legal cover, so that they can follow the threat through if the insurer still ignores their correspondence.

The threat alone was enough to make the other insurer cave in and I got a payout in the end, but I make sure that every insurance policy I have now has legal cover. 30 quid is alot but spread across 12 months is a couple of quid a month, and for peace of mind probably worth it.

[pdg]

I had legal cover when I had a bike 'crash' about 11 years ago... A car pulled out over a give-way line and drove into the side of me because the car behind me flashed her out

The legal cover appointed solicitor who would 'work tirelessly on my behalf' was a cunt who dithered for about 18 months, then quit.

His replacement was worse.

[pdg]

[wr6133]

[G]

[thx1138]

nah, I don't take any extras

though I just now insured a bike, and spent ages dithering between third party only, and third party fire an theft. Ages, almost half of episode one, series 3, Borgia,

but apart from getting slightly more than the bare bones 3po insurance, I never take the extras.

[Ste]

[MattEMulsion]

I don't bother with it either.
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Yamaha YZF-R6

[yen_powell]

I don't need it, many many nice men and nice ladies ring me up frequently about my recent motor vehicle accident.

I've never actually had one of these, but it's nice to know that they keep checking and come the day it does finally happen, I will be able to save the price of that first phone call just by waiting for about half a day. It'll be nice not having to tell them to piss off for a change as well.
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Blackmail is a nasty word........but not as nasty as phlegm!
XT1200Z and a DR350 in bits

[arry]

[MC]

[wr6133]

[P.addy]

[MC]

[P.addy]

I've never been to court through an insurance claim. I protest to be innocent, I've never needed to go to court, even when it involved putting me in a coma, the driver being uninsured and driving away.

Then again, I hassle my insurers daily to resolve my claim, so the other side must get pissed off fast and cave in.

[N cee thirty]

someone on here said it's as useful as getting a no win no fee solicitor, so never bothered with it
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'00 Aprilia RS50 > '92 Honda CG > '99 Yamaha Fazer > '91 Yamaha RXS > '79 Suzuki X5 > 01' Honda Cg > 07' Honda Cg > 82' Kawasaki Z200 > suzuki gsxr 400 gk73a > honda vfr 400 NC30 Mod 2 Passed 09/06/2011

Jewlio Iglesias wrote: I actually did vote BNP once

[C1REX]

TPO with no extras.

Insurance company must to collect much, much more than to pay off to make any profit for themselves.

Just the basic idea of this business stops me from giving them any extra cash.
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MCForum meetup - One of the biggest motorcycle clubs in UK

[Rogerborg]

[iooi]

[recman]

Never had legal cover since a taxi passenger opened a door on me and caved in my front wing.
Took almost a year to 'resolve' the situation, we got less than 50% of the repair bill.
Not worth a w*nk.

[wr6133]

[guile]

So does the legal insurance offer anything better than you would receive going to a CFA accident management company?

Is it within the capabilities of a normal person to write some legal letters themselves (templates must be around on the net)?

How does this work in a mixed-fault accident?