VegasPhil
Premium Member
Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline
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I am having a moment here, is it worth getting legal cover when shopping around for car insurance? It's an option with esure and included on admiral.
It looks like I will have to renew both cars on separate policies because of the comedy renewal multicar quote admiral have provided me with. Over £1100 for both cars. 
A quick search shows Admiral  cheapest for my car at £359 and e-sure at £316 for our Clio. Where do they get these renewal prices, and more importantly how many people just auto renew and get ripped off?!
Corsa 2.0 16v Vegas - Sold
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XE Col
Premium Member
Registered: 23rd May 10
Location: Rochdale, AKA:Boissy07
User status: Offline
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Not sure on the legal cover, but try ringing admiral now with those prices, they may be able to beat it for your multicar policy
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baza31
Member
Registered: 19th Apr 03
Location: yorkshire
User status: Offline
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i would personally get the legal cover
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tom130691
Premium Member
Registered: 13th Sep 08
Location: Daventry
User status: Offline
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yes
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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I always get legal cover. Particularly helpful if you have a crash and 3 years later someone does a "no win no fee" on you.
Happened to me. Took the letter to my high street broker (or you'd send it off to your insurer at the time) and I didn't hear anything other than a form to sign to say I was at fault.
Without that I'm pretty sure I'd have needed solictor etc etc.
Normally only bumps it up £20 p/a, something like that.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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i'm sure you get 5k free legal cover with admiral. i have both my cars insured with them and haven't had a problem with 2 accidents i had (although they weren't my fault).
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John
Member
Registered: 30th Jun 03
User status: Offline
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I never take this and not sure exactly what it does.
You pay insurance for them to deal with it all, including any legal stuff, what does it cover extra?
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MarkM
Member
Registered: 11th Apr 01
Location: Liverpool
User status: Offline
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The legal cover is to cover the cost if someone issues against you and you dispute liability it funds the Counterclaim element of the proceedings. Half the time the insurer will pay it anyway as its in their interest that you dispute liability especially if you've got a good chance of winning. You might already have before the event legal insurance cover anyway on a credit card or home insurance.
You'll get legal services to defend a claim for free if you're at fault and someone issues against you anyway as your insurer will instruct nominated solicitors.
If you're not at fault you can instruct your own or your insurer will instruct their nominated solicitors. Again for free.
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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quote:
Originally posted by John
I never take this and not sure exactly what it does.
You pay insurance for them to deal with it all, including any legal stuff, what does it cover extra?
May be if you have to go to court e.g. death by dangerous driving?! 
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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if you're in a union in work then they may also provide you with free legal cover.
i'm with unite and they do it.
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M2RTY
Member
Registered: 25th May 01
User status: Offline
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No point whatsoever
Never had it for 10 years
Bumped car last month, only paid for legal cover WHEN i needed it. Can get it from insurance company or go to a third party
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VegasPhil
Premium Member
Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline
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Just sorted the renewal managed to negotiate to £679 for both cars - Saving £477 from the renewal quote 
Interestingly the call centre was in Canada for Admiral  Makes a change from the usual countries my calls are routed to...
Corsa 2.0 16v Vegas - Sold
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ed
Member
Registered: 10th Sep 03
User status: Offline
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As I've found out, legal cover is useless. If you have to take a 3rd party to court, you're not actually covered  It's only for personal injury typ claims.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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quote:
Originally posted by VegasPhil
Just sorted the renewal managed to negotiate to £679 for both cars - Saving £477 from the renewal quote
Interestingly the call centre was in Canada for Admiral Makes a change from the usual countries my calls are routed to...
Try again at weekends. You get put through to ashkram patel in kirkturbanstan
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VegasPhil
Premium Member
Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline
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I think he works for Virgin Media also.
Corsa 2.0 16v Vegas - Sold
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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9-5 it's in Cardiff, any time out of that it's India or Canada
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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Yeah admiral sales goes to Vancouver after working hours over here but customer services heads to some call centre in Delhi or somewhere.
It's very hit and miss when speaking to customer service. My brother rang them for a quote to update the multicar policy told him flat out they wouldn't inure him. I rang back. Got a quote and got 10% discount of that price. A lady in Vancouver at renewal time was more than helpful and managed to get a very good discount almost 1k off original policy.
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