What is Motor Legal Protection Insurance?
Motor Legal Protection Insurance (MLP) (also referred to as Uninsured Loss Recovery Insurance (ULR) is insurance protection designed to assist recovering loss from a non-fault accident. Click the link below to read about and buy the insurance on line at low costs:
https://www.bestpricefs.co.uk/motor-legal-protection/
Motor Legal Protection is not always included within a Motor Insurance Policy (often purchased as an extra motor product) at a cost of approximately £30 p.a.
The cover assists with the following:
- Personal Injury – claiming compensation for injuries sustained to you or any passenger when the accident is not your fault.
- Excess Recovery – under your motor insurance you would normally have an excess to pay up front (compulsory and voluntary) even if the accident is not your fault; the Motor Legal Protection cover will recover this back for you ….. if the accident is not your fault.
- Personal Property Recovery – claiming for damage to personal property such as glasses or clothing…. again, if the accident is not your fault.
- Vehicle Hire – if your vehicle is in need of repair following an accident which is not your fault, the policy will provide a replacement vehicle. We have a 14 day own fault Courtesy Vehicle Hire as an additional benefit, for an additional cost. (The writer has recently had need to use the cover – it is highly recommended!).
- Loss of Earnings – if the accident is not your fault and you sustained injuries which affects your ability to work, your cover will appoint a legal representative to work to recover the loss of income suffered.
What if the driver in the accident is uninsured or untraceable?
The cover will be able to recover (1-4 above) if you have an accident with a driver who doesn’t have insurance. This is provided by the Motor Insurance Bureau (an insurer funded body which has been set up to pay out should you be a victim in an accident caused by an uninsured or untraceable driver).
Third party cover ….. Motor legal Protection is essential and even more beneficial if you only have Third Party cover or Third Party Fire and Theft, as the cover will claim back the repairs or loss of your vehicle if the accident is not your fault.
Motor Legal Protection is available for all motor vehicles, i.e. car, Motorcycle and Van that are used on a Social, Domestic and Pleasure basis.
Territorial Limits
The cover extends to the European Union, the United Kingdom of Great Britain and Northern Ireland, the Isle of Man, the Channel Islands, Albania, Andorra, Bosnia Herzegovina, Gibraltar, Iceland, Liechtenstein, Macedonia, Monaco, Montenegro, Norway, San Marino, Serbia, Switzerland and Turkey.
How losses are recovered
This type of policy does not ‘pay out’ like Motor Insurance. The representatives employed collate all of your losses and then present it to the other driver’s insurance (or the Motor Insurance Bureau) to pay. this is a job for a specialist – which saves appointing a ‘No win no fee’ legal firm at around 50% of what is awarded. All this for an amount of just £9.99. Click the link to buy the policy:
https://www.bestpricefs.co.uk/motor-legal-protection/
If you are not convinced about the value as yet….
Read on –
Solicitor in your Pocket 24/7, 365 days (366 this year!)
On top of all the above benefits, the cover offers unlimited access to a solicitor at the end of the phone 24/7. You can phone when it’s convenient to you. Not only can you phone when you like, the advice given is for personal legal advice.. which means that you are not restricted to motor – it can be in relation to household issues too; such as neighbourhood disputes, employment issues, probate issues .. to name but a few. Huge value and benefits that are often unnoticed!
Competitors
Motor Legal Protection is generally bought as an add-on to Motor Insurance, with costs ranging from £25 – £35 per year.
Best Price FS is able to offer Motor Legal Protection as a standalone product, which generally provides a reduction in premium of between 60-75% on the cost of the cover – at £9.99 per year.
Comparison sites don’t offer this cover on a standalone basis.
We have written many articles in relation to the product, benefits and costs over the years. Click the link to read the many articles produced:
https://www.bestpricefs.co.uk/blog/category/motor-legal-protection/
Cost/Benefit
We firmly recommend that all drivers purchase Motor Legal Protection Cover.
In the world we live in, with road conditions so changeable and so many vehicles on the road, it is simply prudent to protect one’s self against non-fault accidents, with the combination of legal support 24/7.
At a third of the cost of most insurance providers or less, the value for benefits is evident.
(The writer knows the value of the cover from personal experience – insurance is often only truly valued when it is needed!).
Best Price FS Team
