You can happily decline the (typical) £30 for free legal assistance offered to you when you take out motor insurance. You weren't ever buying what you thought you were buying. Your insurer takes your £30 and also takes a commission from a lawyer for introducing you. The lawyer gets his fees from the insurance companies involved, whichever party is at fault.
What is Motor Legal Protection?
Motor Legal Protection, also called Legal Expenses Insurance, is usually sold as an "add on" to your main motor insurance policy. It is a separate insurance policy that covers your legal fees if you need to pursue somebody for losses and expenses after an accident that was not your fault. Some policies also provide assistance if you are prosecuted for an offence.
Usually the cost of these policies is in the region of £25-£30 per year, per car/van/bike that you have insured. So if you have several vehicles in your household, the odds are if you have bought motor legal protection, you have purchased it several times over each year!
What is Free Motor Legal?
Free Motor Legal is a free to join membership organisation that provide an accident management and ULR service, but without the need to actually take out a legal expenses insurance policy. This saves you money each year on your vehicle insurance needs and also does not restrict you with how many vehicles you own. You only need to join once and then forget about being charged by your insurer or broker for legal cover ever again! You can change your motor insurer each year, but you only need to register with Free Motor Legal once.
How do I join?
Just register your details to receive your membership pack which gives you all the support and assistance you need if you are involved in a collision that was not your fault, or where blame is disputed.
Remember, there are no fees to join and there is no need to renew your membership each year, so you need never get charged for a motor legal protection policy by your insurer or broker ever again. We are Free Motor Legal, put simply, the way it should be.
see http://www.dailymail.co.uk/money/cars/article-3365639/Save-30-year-car-insurance-New-website-offers-free-legal-service.html
Top comments
walshy2
13 Jan 1611#6
This sounds suspiciously like ambulance chasers getting in there early so they don't even need to make phone calls. May be cynical but that is the way the claims companies have us these days sorry but cold from me
Dryosh
14 Jan 168#7
I can't stress how important it is you should buy the legal cover. Having had to use my legal cover I would never not pay the nominal fee for it, they gave me the services of a top solicitor which would have cost thousands, I suspect the free one will supply you with some rubbish trainee at some back street shyster to cut costs.
Seriously people, it's £25/30 and well worth it if the worst comes to happen.
kester76
13 Jan 167#5
Only freebie I get from unite is the 101 letters asking for me to vote and the odd crap insurance deal.
suley9
14 Jan 165#20
For the Bin!
A quick google on the registered address shows at a residential home.
Secondly this is simply a Ambulance Chasing Service! Like all others they are only interested in your passengers and if its not your fault then you and your car.
For reference a ULR policy provides funds to cover any legal expenses ie solicitors costs and if you go to court then the costs of that, any assessments etc. The solicitors costs pay for the person to claim for your uninsuired losses ie excess, that laptop that some how broke etc yes you can do some of it yourself but the ulr fund pays for it.
Insurance companies have the right to make a decision on a case, if you dont agree, let them know, if they dont agree with your reasoning and say they will settle then inform them if they wish to exercise the right which they have under the T&C's then do so on a without prejudice basis, that way u can harass your ulr provider to see sense.
Also on a side note most MLP cover is provided by either accident management companies or solicitors who have a huge interest in personal injury claims. Alot of them now provider insurance registration services and claims management for insurance companies ie M&S, Post Office, AA Insurance etc and these only have an interest in the injury. So when you buy a policy ask who is the provider, you can always add MLP a few days after the policy starts. Its best to google is a solicitors firm who is interested in accidents or a proper law firm.
Thats my 2 cents as a Claims Handler who dealt with these idiots!
All comments (32)
sarahlou1uk
13 Jan 16#1
Just sent for mine.
arcangel111
13 Jan 161#2
I get my legal cover through my union membership - so if anyone out there is also in a union .. look into it :smiley:
Uridium
13 Jan 162#3
Which Union?
baldude
13 Jan 16#4
unite?
kester76
13 Jan 167#5
Only freebie I get from unite is the 101 letters asking for me to vote and the odd crap insurance deal.
walshy2
13 Jan 1611#6
This sounds suspiciously like ambulance chasers getting in there early so they don't even need to make phone calls. May be cynical but that is the way the claims companies have us these days sorry but cold from me
Dryosh
14 Jan 168#7
I can't stress how important it is you should buy the legal cover. Having had to use my legal cover I would never not pay the nominal fee for it, they gave me the services of a top solicitor which would have cost thousands, I suspect the free one will supply you with some rubbish trainee at some back street shyster to cut costs.
Seriously people, it's £25/30 and well worth it if the worst comes to happen.
Graham1979 to Dryosh
17 Jan 16#28
Exactly what he says! 25ish is a bargain that you hopefully wont need bit if you do.....
999kernow
14 Jan 16#8
I get mine from barclays and unison both fred
antdav to 999kernow
14 Jan 162#9
Who's Fred, he seems like a nice chap :stuck_out_tongue:
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Opening post
You can happily decline the (typical) £30 for free legal assistance offered to you when you take out motor insurance. You weren't ever buying what you thought you were buying. Your insurer takes your £30 and also takes a commission from a lawyer for introducing you. The lawyer gets his fees from the insurance companies involved, whichever party is at fault.
What is Motor Legal Protection?
Motor Legal Protection, also called Legal Expenses Insurance, is usually sold as an "add on" to your main motor insurance policy. It is a separate insurance policy that covers your legal fees if you need to pursue somebody for losses and expenses after an accident that was not your fault. Some policies also provide assistance if you are prosecuted for an offence.
Usually the cost of these policies is in the region of £25-£30 per year, per car/van/bike that you have insured. So if you have several vehicles in your household, the odds are if you have bought motor legal protection, you have purchased it several times over each year!
What is Free Motor Legal?
Free Motor Legal is a free to join membership organisation that provide an accident management and ULR service, but without the need to actually take out a legal expenses insurance policy. This saves you money each year on your vehicle insurance needs and also does not restrict you with how many vehicles you own. You only need to join once and then forget about being charged by your insurer or broker for legal cover ever again! You can change your motor insurer each year, but you only need to register with Free Motor Legal once.
How do I join?
Just register your details to receive your membership pack which gives you all the support and assistance you need if you are involved in a collision that was not your fault, or where blame is disputed.
Remember, there are no fees to join and there is no need to renew your membership each year, so you need never get charged for a motor legal protection policy by your insurer or broker ever again. We are Free Motor Legal, put simply, the way it should be.
see http://www.dailymail.co.uk/money/cars/article-3365639/Save-30-year-car-insurance-New-website-offers-free-legal-service.html
Top comments
Seriously people, it's £25/30 and well worth it if the worst comes to happen.
A quick google on the registered address shows at a residential home.
Secondly this is simply a Ambulance Chasing Service! Like all others they are only interested in your passengers and if its not your fault then you and your car.
For reference a ULR policy provides funds to cover any legal expenses ie solicitors costs and if you go to court then the costs of that, any assessments etc. The solicitors costs pay for the person to claim for your uninsuired losses ie excess, that laptop that some how broke etc yes you can do some of it yourself but the ulr fund pays for it.
Insurance companies have the right to make a decision on a case, if you dont agree, let them know, if they dont agree with your reasoning and say they will settle then inform them if they wish to exercise the right which they have under the T&C's then do so on a without prejudice basis, that way u can harass your ulr provider to see sense.
Also on a side note most MLP cover is provided by either accident management companies or solicitors who have a huge interest in personal injury claims. Alot of them now provider insurance registration services and claims management for insurance companies ie M&S, Post Office, AA Insurance etc and these only have an interest in the injury. So when you buy a policy ask who is the provider, you can always add MLP a few days after the policy starts. Its best to google is a solicitors firm who is interested in accidents or a proper law firm.
Thats my 2 cents as a Claims Handler who dealt with these idiots!
All comments (32)
Seriously people, it's £25/30 and well worth it if the worst comes to happen.