[Ian]

I’ve searched for days on the internet and can’t find an answer.

Had several contradicting and unsure answers from both Motability and Direct Line DLM.

Does the insurance cover legal expenses for defending the driver against charges of a road traffic offence where the incident didn’t involve an accident? Some advisors I spoke to weren’t sure, some said only if there’s an accident claim.

The info in policy booklet is confusing. It states:

Section 4 – Uninsured Loss
Recovery & Legal Expenses
As part of the DLM Policy, DLM will cover you
for your Costs if you need to take legal action
or defend yourself in Court. This cover will,
however, only be provided to you if the claim
has a reasonable chance of succeeding for
the duration of the claim.
Claims under this Section 4 of the DLM Policy

For motoring offence claims
When DLM and the appointed representative
agree that there’s a higher than 50% chance
that you can achieve any of the following:
> Reduce your sentence or fine
> Make a successful appeal
> Make a successful defence of an appeal
will be managed by a Legal claims service
provider.

Thanks for any help

@HermitLlama

 

No you can buy a separate legal expenses cover yourself independently, its around £20 per year or check you don’t already have it with your home insurance cover