Motor Legal Cover is an optional extra that can be added to your Essentials and Comprehensive policy for an additional premium at any time. Our Comprehensive Plus cover includes Motor Legal Cover as standard.
Our Motor Legal Cover will provide up to £100,000 towards legal costs to help you make a claim, where no other insurance policy will cover your losses, as long as there is a better than 50% chance that your claim will succeed. This also includes if you’re prosecuted for a motoring offence while using your car, or you’re in a motor contract dispute.
If you have a road traffic accident involving your car where you're not to blame, you may be able to claim from the person responsible for the accident.
What does Motor Legal Cover give you that car insurance doesn't?
| Motor Legal Cover could help you claim for | Examples of claims |
|---|---|
| Injury to you or a passenger | If you or your passenger are injured in an accident, Motor Legal Cover could help you claim compensation for those injuries. |
| Loss of earnings | If you're injured in an accident that isn't your fault and are unable to work, Motor Legal Cover could help you recover loss of earnings. |
| Medical expenses | If you're injured in an accident and need treatment, Motor Legal Cover could help you recover the medical costs. |
| Loss of possessions | If your personal possessions are damaged as a result of an accident, Motor Legal Cover could help you claim back the cost of these items, if they're not covered elsewhere. |
| Damage to your car (Third Party Fire and Theft Only) | If you don’t have comprehensive insurance cover and your car is damaged by no fault of your own, Motor Legal Cover can help you recover repair costs. |
Motor Legal Cover may also help you with motoring offences or motor contract disputes where you’re not involved in an accident.
Who is covered with Motor Legal Cover?
This cover provides protection for you, drivers named on your insurance and for any passengers, when driving or using the insured vehicle.
How does it work?
If we accept your claim, a solicitor will be appointed to act for you who will handle all aspects of your claim such as:
- Evaluating what you can claim for and the chance that your claim will succeed.
- Locating specialists such as a medical expert or barrister. The specialist charges will be met by this Motor Legal Cover policy.
- Negotiating with the person responsible and where relevant, their insurers.
- Commencing legal proceedings if necessary.
The appointed solicitor is regulated by the Solicitors Regulation Authority which, in addition to the high standards of service you would expect from Churchill, ensures that you receive a professional legal service.
All in all providing you with peace of mind and a hassle free solution when you need it most.
Please see your policy wording for full terms and conditions.