Motor Legal Cover

chrisdubya · Scooby Slapper Joined: 05 Jun 2015 Karma :

Hi all

Im currently looking at insurance quotes for a potential new bike, however one of my quotes has no option of motor legal cover as an additional extra.

Is there anywhere this can be bought at a reasonable price, for the bike only? My car policy already has this.

Thanks

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Why would you want it?

The policies that I've read only cover the costs of your insurer's chosen outfit of paralegals, and if and only if they decide that you're likely to win the case.

If they don't want to touch it, you're out of luck and will have to find your own representation.

If they do want to touch it, then you could pick and choose from any outfit of real solicitors who will take it on under a conditional fee arrangement, at the cost of you losing a negotiable amount of your final payout. But then they'd have an interest in obtaining the highest payout for both of you, rather than just fobbing you off while gouging the other insurer for a hire bike at an extortionate rate.

You'd have to be looking at a big payout for a more or less fixed value that's not your fault before it starts to make any sense.
____________________
Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

chrisdubya · Scooby Slapper Joined: 05 Jun 2015 Karma :

To be honest mate its something I've always opted to have as a just in case!

However, if Im reading your post right, I could pay for it and they could still choose to not represent me?? And if that is the case I would have to pay again, for my own representation?

Ste · Not Work Safe Joined: 01 Sep 2002 Karma :

If you don't have legal cover then you could go to any outfit of real solicitors. If they won't take it on then there's fuck all chance of a paralegal claims management company being successful with the claim.

MarJay · But it's British! Joined: 15 Sep 2003 Karma :

Absolute waste of cash.
____________________
British beauty: Triumph Street Triple R; Loony stroker: KR1S; Track fun: GSXR750 L1; Commuter Missile: GSX-S1000F; Cheap project: CBR900RR FireBlade
Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Not necessarily, not now that legal costs come out of settlements rather than being tacked on top.

But what I said and what Ste said: it's not a blank cheque to spend on fighting a losing case. It only kicks in if you're likely to win and if that's the case then you can find your own no-win-no-fee outfit easily enough.
____________________
Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

chrisdubya · Scooby Slapper Joined: 05 Jun 2015 Karma :

Ok thanks guys. This is all assuming that someone else is at fault and I could make a claim/get compensation?

However, what if I was at fault, someone wanted to sue me, and there was no money to be won by a solicitor by representing me? Would I have to fork out for representation then, in the assumption that its all out of my own pocket?

Ste · Not Work Safe Joined: 01 Sep 2002 Karma :

Nope, your insurance company pay for solicitors to defend a claim against you.

They're the ones who're liable if you're at fault.

chrisdubya · Scooby Slapper Joined: 05 Jun 2015 Karma :

Ah, makes sense!

Great - thank you!

DJP · Crazy Courier Joined: 11 Dec 2011 Karma :

Copycat73 · World Chat Champion Joined: 11 Jan 2013 Karma :

don`t pay for legal cover .. they are only interested if your not at fault..
you can get it Free here

https://www.yourkey.info/
____________________
Whatever I post I have no citation and no intention of providing one..
caveat emptor

Ste · Not Work Safe Joined: 01 Sep 2002 Karma :

Even if it's free, legal cover is still a waste of time.

Any real firm of solicitors would be interested in your claim if you're not at fault and that's a much better option than some paralegal claims management legal cover.

arry · Super Spammer Joined: 03 Jan 2009 Karma :

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Like the reform that "stopped" insurers selling on details to ambulance chasers?

How's that working out? Laughing

____________________
Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

chrisdubya · Scooby Slapper Joined: 05 Jun 2015 Karma :

Cheers for all the help chaps, much appreciated! Thumbs Up

arry · Super Spammer Joined: 03 Jan 2009 Karma :

bugeye_bob · World Chat Champion Joined: 05 Sep 2013 Karma :

Most home insurance comes with it, so why buy it again ?