Motor Legal Expenses cover
We’ve got your back with up to £100,000 for legal costs
Protection if you're in an accident that isn't your fault, your case is likely to succeed (at least 51% chance of success) and your legal costs aren't covered elsewhere.
Why choose Motor Legal Expenses cover?
24/7 legal helpline
You’ll get access to a free legal advice helpline – 24 hours a day, 365 days a year.
Uninsured driver benefit
We'll repay your excess for accidents caused by an uninsured driver
Up to £100,000 cover
Get up to £100,000 cover for legal expenses, so you know you’ve got a safety net.
Policy limits and exclusions apply.
What is Motor Legal Expenses cover?
We know it's stressful if you've had an accident, especially if it wasn't your fault.
With our Motor Legal Expenses cover, you’ll get up to £100,000 to cover legal costs. This means you could claim back money you lost because of the accident.
That could be for things like your excess, travel expenses or if you need to make a personal injury claim.
It's an add-on to our car insurance or van insurance.
Arc Legal
We partner with Arc Legal for our Motor Legal Expenses cover.
They're a specialist team who will manage your claim and will look after you every step of the way.
We hope you don't need to - but if you do need to make a claim or raise a complaint, get in touch with them directly.
ARC LEGAL
What does Motor Legal Expenses cover?
Our Motor Legal Expenses cover can help with lots of different things.
‘Uninsured losses’ means anything that isn't normally covered by your car or van insurance, or any costs you lose out on. That means things like:
- loss of earnings if you were out of work because of an injury
- the excess you had to pay on your original car or van insurance claim
- if you had belongings in your vehicle that were damaged in the accident, like your laptop
- the cost of public transport or other travel expenses if your vehicle is out of action
You might have been hurt in the accident – whether it’s a fracture or life-changing injuries.
That means you might want to make a personal injury claim against the driver who was at fault.
If you do, we’ll help cover your legal costs. Find out more about our Personal Injury cover too.
Sometimes things don’t go to plan, and you might need to deal with a driving offence or charge. For example, this could include being accused of:
- dangerous driving
- speeding
- using your phone while you drive
If you get charged with any of these and didn’t do it, we can help you cover those legal costs!
You’d need more than a 51% chance of winning to get cover in this situation. One of Arc Legal’s team will take a look at your claim and decide if you’re likely to win.
This can cover a lot of things, including:
- if a garage does a poor job on your vehicle
- issues with a car or van finance agreement
- your car or van warranty not being honoured if there’s an issue
Basically, we’ll help you out if you have an issue with a company not honouring a contract you’ve signed to do with your vehicle.
Policy documents
Want to know more? Remember, policy limits and exclusions apply. It's always best to check your policy documents to make sure you know exactly what is and isn't covered.
Our legal advice helpline
You have access to a free legal advice helpline with our Motor Legal Expenses cover. It’s available 24 hours a day, 365 days a year.
One of Arc Legal’s expert team will talk you through any of the issues we’ve mentioned above and give you some handy advice.
Call the legal helpline
How do I get Motor Legal Expenses cover?
It's super easy. If you're buying car or van insurance for the first time, you can choose to add it when you get a quote.
Or if you already have insurance with us, give us a call. We'll give you a quote and get it added to your cover!
Looking for more?
We offer lots of different add-ons, so you can tailor your car or van insurance to suit you and your needs.
Car Insurance add-ons
Learn more about our car insurance add-ons and how they can help.
Van Insurance add-ons
Take your van insurance to the next level with a range of optional add-ons.
Need to make a claim?
Do you need to make a car or van insurance claim, or want some legal advice? Find the numbers you need below.
Call our claims line Call the legal helpline
Offical Injury Claim
If you’ve been injured in an accident, you don’t have to get legal help right away. You can make a claim of up to £5,000 for free on the Official Injury Claim website.
Visit Offical Injury Claim
Still got questions?
Think about what’s best for you and your needs. But consider what you’d do if you were in a serious accident and had to fork out for lots of different legal costs.
Would you be able to afford to cover them all? If you were wrongly accused of a motoring offence, could you afford to take it to court?
Just have a think about your budget and needs.
It’s up to you!
Arc Legal have a trusted network of solicitors they use, so they can give your case to one of them.
Or if you want to choose your own solicitor, that’s no problem. Arc Legal will just need to double check their credentials to make sure they’re happy to work with them.
Useful guides
Do I need legal cover on car insurance?
What to do after a car accident
