Extensive cover for personal motorists and commercial vehicle operators. Policy cover is offered alongside or automatically included within a motor insurance policy through a broker or insurer scheme. Elements of the policy are as follows:

Uninsured Loss Recovery & Personal Injury

Motor Legal Protection Plus insurance helps the policyholder make a claim against a negligent party when you were not at fault. If somebody claims against the policyholder, defence costs will normally be covered by the primary motor insurance policy.

  • Pursuit of a claim for damages (recovery of uninsured losses) following a motor accident.
  • Pursuit of a personal injury claim on behalf of an insured person.
  • Assistance in applying to the Motor Insurers’ Bureau if the party at fault cannot be traced or is uninsured.
  • A temporary replacement vehicle if the policyholder’s vehicle cannot be driven and needs to be repaired.

Motor Prosecution Defence

This section of cover does not include any prosecutions relating to minor parking offences.

  • Defence of a criminal prosecution arising from the ownership or use of the insured vehicle.

Motor Contract Dispute

  • Pursuing or defending a legal action relating to a contract for the purchase, sale, hire, service, repair or testing of the insured vehicle.

Vehicle Cloning Defence

  • Defence of a legal action arising from the cloning of the insured vehicle.

Motor Insurance Database Disputes

  • Representing the policyholder in a dispute arising from the seizure of the insured vehicle by a relevant authority which relates to incorrect data being held on the Motor Insurance Database.

Personal Legal Advice Helpline

  • Advice over the phone on any personal legal problem under the laws of the UK, Isle of Man or the Channel Islands.

Tax Advice Helpline

  • Advice over the phone on personal tax matters under the laws of the UK, Isle of Man or the Channel Islands.

Limit of Indemnity

  • The standard limit of indemnity is £100,000 per claim.

Territorial Limit

  • Most cover applies throughout the UK, the Isle of Man and the Channel Islands, all member states of the EU, Norway and Switzerland.
  • Replacement vehicle hire applies to England and Wales, mainland Scotland and Northern Ireland, the Isle of Man, Jersey and Guernsey.

Cover Options

  • As well as Motor Legal Protection Plus, we also offer Motor Legal Protection insurance which provides cover for Uninsured Loss Recovery & Personal Injury as well as Motor Prosecution Defence.