Legal Cover

Cover for your legal expenses after a car accident

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When choosing your car insurance policy, you’ll likely be able to add ‘legal expenses cover’ as an optional extra. Although you might write this off as an extra you can do without, it’s worth considering the benefits it can add to your policy as a safety net in case you end up in court after a car accident.

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What is legal cover?


Legal cover, or motor legal protection, helps you to recover legal costs if you have to go to court after an accident. While a car insurance policy will help you to pay for repairs to vehicles involved in the accident, if things go to court to decide who was responsible for the accident then you could be left out of pocket due to a lawyer’s fees. Legal expenses cover exists to help take some of the burden away and absorb some of the costs from a few different areas.

What can I use legal cover for?


Legal expenses cover as part of a car insurance policy can be used in a number of ways, helping you to recover uninsured losses due to an accident. This can include:

  • Any excess you paid from a crash which wasn’t your fault
  • Cost of hiring a car
  • Damage to your vehicle if you don’t have a comprehensive policy
  • Legal fees involved from going to court or paying a solicitor to go after a third party
  • Money lost due to personal injury (missing work)
  • Travel expenses

Depending on which provider you choose, your policy may also include access to a legal advice helpline which you can use to talk to a legal expert if you do get into an accident.

What isn’t included in legal expenses cover?


Although you can recover legal fees using legal expenses cover, there isn’t a guarantee that your provider would take on your case. This is because they won’t act unless there’s a decent chance that the case will go in your favour or if it isn’t clear who was at fault for the accident.

Other things you may be unable to claim for include:

  • Any costs associated with intentional damage caused
  • Any legal expenses from before your policy was approved
  • Costs from parking offenses, drunk driving or violent behaviour
  • Fines or compensation which you’re ordered to pay by the courts

Also, legal cover linked to a car insurance policy can’t be used for legal fees in other, non-motor incident related cases unless specifically mentioned in the policy.

Do I need motor legal protection?


When it comes to optional extras, legal cover may seem like something which is very specific and doesn’t offer as much practicality as something like breakdown cover or windscreen cover.

However, legal costs can run very high if you do get into an accident, with a lot of policies covering around £100,000 which can give you an idea of how costly things can get. Depending on the situation, motor legal protection can provide a good amount of support in an area which can become very expensive if the worst is to happen.

Top Car Insurance FAQs:

What's the best car insurance for you?

Finding the right car insurance for you and your wheels can be complicated because there’s so much choice out there. With Asda we do the shopping for you and help you compare quotes from some of the UK’s leading providers so you don’t have to.

All you need to do is pick the policy and price that’s right for you.

All levels of cover for your car:

How to get cheap car insurance quotes with Asda

Getting cheap car insurance quotes with Asda has never been simpler and you can get covered in minutes.

All you need to do is complete a number of simple questions about you, the car you’re looking to insure and your driving history.

You’ll be asked very basic questions like your name, address and date of birth, as well as questions about how long you’ve been driving and the number of no claims bonus (NCB) you have.

From there you’ll need to complete some questions about the car insurance cover you want and then we do the hard work. Plus, some providers will offer multi-car discounts if you insure multiple cars under the same policy.

What happens when you compare car insurance with Asda?

When you compare car insurance, your details are run through the various car insurance providers on the panel.

Over 60 of the UK’s leading providers, including the likes of AXA, Hastings and Swinton, will return the cheapest quotes they have to offer.

You'll see your quotes, starting with the cheapest first, and you’ll also be able to see prices for Comprehensive, Third Party, Fire and Theft and Third Party Only policies.

At that point it’s up to you to select the quote and cover you want! It's also worth taking a look at any optional extras you might want to include with your policy, like a courtesy car if yours runs into trouble or legal cover in case you do happen to get into an accident.

What are your levels of car insurance cover?

When you compare quotes you’ll automatically see all three levels of cover when your quotes display but car insurance is a little more complicated than just Comprehensive, Third Party, Fire and Theft or Third Party Only. You'll also want to consider what other car insurance benefits you want, like cover for driving abroad, and what optional extras you might want for your policy for complete peace of mind when driving.

If you want a telematics (black box) policy, one that covers you for work or social only, or you're ahead of the curve and have an electric car, you can still compare quotes and get covered with Asda.