[RJG6010]

Just a quick question, does anyone know if the car insurance also comes with the separate legal costs cover?

Need to start litigation against someone and my solicitor has said that any policy I have that includes legal cover will pay costs.

 

And as I’m tight as ducks bottom, if someone else pays it’s a win

 

Topic

[Jojoe]

Going back 25 years it did for personal injuries sustained if it was obviously the other drivers fault. Not sure if it’s still the case. May be worth checking if you have family legal protection on your household policy, we always add this.

[PaulH]

Uninsured loss recovery and legal expenses (up to £25,000)

[joss]

Taken from my policy: . I suspect that personal liability cover for personal matters other than mobility won’t be covered.

Best to ring DLMS and ask.

Cover Details | Policyholder Motability Operations Limited | Policy Number xxxxxxxxxx | Date 04/11/2025
Motability Operations’ single insurance policy for this Scheme with Direct Line Motability is underwritten by U K Insurance Limited.
Registered office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered in England and Wales No.1179980. U K Insurance Limited is authorised by the
Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Calls may be recorded.
XXXXXXXXXXXXX Page 4 of 6
Policy Limits
Liability for Death/Bodily Injury Unlimited
Liability to other people:
Property Damage (for any one claim) £20,000,000
Personal Accident (total per incident) £5,000
Other:
Legal Expenses (total per incident) £100,000
If you are the person to whom the vehicle is allocated and wish to drive, you must ensure that your name appears under
the ‘permitted drivers’ section of the Certificate of Motor Insurance overleaf.
If you are in any doubt as to who can drive, please telephone us on 0300 037 3737
You must tell us immediately about any changes which might affect your cover as a new Certificate may be required,
such as a change in driver or use of the vehicle.

• This reply was modified 4 days, 5 hours ago by joss. Reason: removed text

Joss
Current car: BMW X2 sDrive 20i M Sport 5dr Step Auto In metallic Portimão Blue. 04:10:2025
Previous car:Peugeot 308 GT Premium 1.2 Pure tech Petrol.

[NFI70]

Legal expenses cover won’t let you appoint your own solicitor. There is likely a panel of solicitors that would only be appointed if needed – cover is for non-fault motor accidents relating to that vehicle/ policy only.

Household insurance legal cover will almost always exclude anything to do with a motor vehicle.

[Author]

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