Motor Legal Protection

sailplan · 03-02-2014, 05:57 AM

Getting ready to pick up a 335d next week and shopping around for the best insurance deal (£255 so far). Legal Protection adds £20 - £30 per year but doesn't seem to offer much for the money. For example, Direct Line says it covers compensation for legal injury, loss of earnings and repair costs if not fully comprehensive. The second two items don't apply to me and there are plenty of claims companies who do the legal injury stuff for free.

Just wondering what the view of the forum is?

....,,,,..,,.. · 03-02-2014, 05:59 AM

The advantage of legal protection is you get from day one free legal assistance if required.
It just makes things move quicker etc.
Used it in past and was good.
I get it as standard with my current insurance.

sailplan · 03-02-2014, 06:24 AM

Looking around online there seems to be a few companies offering the same sort of legal cover for half or less than the big insurance companies.

e.g. http://www.driverguardian.co.uk/ - £12.50 for Motor Legal Plus Policy or
http://www.memonline.co.uk/ - £6.99 for their Silver Plan.

Anyone used one of these companies or similar?

FSE23 · 03-02-2014, 07:04 AM

Quote:

Originally Posted by sailplan

Getting ready to pick up a 335d next week and shopping around for the best insurance deal (£255 .....

How did you manage to have it? My cheapest insurance came about £600 with 10y NCB...is it location which pumps the price so much up?

....,,,,..,,.. · 03-02-2014, 07:14 AM

Quote:

Originally Posted by piono

How did you manage to have it? My cheapest insurance came about £600 with 10y NCB...is it location which pumps the price so much up?

Missed that one, £255 seems very low fully comp for. 320 never mind a 335d.

What company is it with?

FSE23 · 03-02-2014, 07:51 AM

My cheapest insurances were from Sainsbury Bank, Privilege, Churchill. Similar prices.

sailplan · 03-02-2014, 09:59 AM

Its with Direct Line and includes protected no claims, legal and car hire. Was expecting a reasonable hike from my previous car (2.0T) but little change. Location, age, occupation and many other factors all influence your premiums but it all seems a bit of a lottery.

Mr NSB · 03-02-2014, 11:12 AM

Free legal protection here from Your Key

dazzapb · 03-02-2014, 12:30 PM

Quote:

Originally Posted by sailplan

Its with Direct Line and includes protected no claims, legal and car hire. Was expecting a reasonable hike from my previous car (2.0T) but little change. Location, age, occupation and many other factors all influence your premiums but it all seems a bit of a lottery.

mines about 400 with all the options with Direct line, don't forget cashback via quidco or TCB its about 50 squids dude!

-AndyH- · 03-02-2014, 12:33 PM

Be very careful with legal protection - I think it is a must have, but you want to make sure it's with a respectable company that employs decent solicitors (or allows you to chose your own at a normal hourly rate).

One of the main reasons I think it's a must have is because of the number of uninsured drivers in the UK.

pmheadwired · 03-02-2014, 01:14 PM

Quote:

Originally Posted by piono

How did you manage to have it? My cheapest insurance came about £600 with 10y NCB...is it location which pumps the price so much up?

What age I piono. Im about 430 with only 5y ncb and an incidents on record.

FSE23 · 03-02-2014, 01:56 PM

Quote:

Originally Posted by pmheadwired

What age I piono. Im about 430 with only 5y ncb and an incidents on record.

I'm 48, NCB protected, 1 incident which did not have any influence according them....i Don't know. My 335i was about the same for couple of years. The most funny I found was one from as they advertised themselves fastest growing UK insurer- £4500( four thousands

)

sailplan · 03-02-2014, 02:51 PM

Quote:

Originally Posted by dazzapb

mines about 400 with all the options with Direct line, don't forget cashback via quidco or TCB its about 50 squids dude!

You have to generate a new quote and pay monthly to get Direct Line cash back. Surprise, surprise - when I generated a new quote from the TCB link it was more expensive than the quote I got going direct to DL's site. When you add in the monthly payment interest as well its just not worth it.

Thanks for the suggestion though - worth trying.

dazzapb · 03-02-2014, 07:36 PM

Thanks for that sailplan - crafty beggars!

MRPoisson · 03-02-2014, 07:44 PM

Never bothered with a legal a protection - save your money IMO

03-02-2014, 05:57 AM	#1
sailplan Enlisted Member 1 Rep 34 Posts Drives: 335d, EB, MSport+ Join Date: Jan 2014 Location: East Anglia iTrader: (0)	Motor Legal Protection - Worth It? Getting ready to pick up a 335d next week and shopping around for the best insurance deal (£255 so far). Legal Protection adds £20 - £30 per year but doesn't seem to offer much for the money. For example, Direct Line says it covers compensation for legal injury, loss of earnings and repair costs if not fully comprehensive. The second two items don't apply to me and there are plenty of claims companies who do the legal injury stuff for free. Just wondering what the view of the forum is?
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03-02-2014, 05:59 AM	#2
....,,,,..,,.. General 6733 Rep 20,651 Posts Drives: xxxx Join Date: Dec 2013 Location: xxxx iTrader: (0)	The advantage of legal protection is you get from day one free legal assistance if required. It just makes things move quicker etc. Used it in past and was good. I get it as standard with my current insurance.
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03-02-2014, 06:24 AM	#3
sailplan Enlisted Member 1 Rep 34 Posts Drives: 335d, EB, MSport+ Join Date: Jan 2014 Location: East Anglia iTrader: (0)	Looking around online there seems to be a few companies offering the same sort of legal cover for half or less than the big insurance companies. e.g. http://www.driverguardian.co.uk/ - £12.50 for Motor Legal Plus Policy or http://www.memonline.co.uk/ - £6.99 for their Silver Plan. Anyone used one of these companies or similar?
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03-02-2014, 07:51 AM	#6
FSE23 Major 256 Rep 1,442 Posts Drives: C63 AMG 2019 Join Date: Dec 2013 Location: Scotland iTrader: (0)	My cheapest insurances were from Sainsbury Bank, Privilege, Churchill. Similar prices. __________________ Current: 2019 C63 AMG Selenite Grey Previous: 2017 C43 AMG Coupe Polar White 2014 F30 335d Msport MG with ACS springs 2007 E92 335i BS ultimate drive
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03-02-2014, 09:59 AM	#7
sailplan Enlisted Member 1 Rep 34 Posts Drives: 335d, EB, MSport+ Join Date: Jan 2014 Location: East Anglia iTrader: (0)	Its with Direct Line and includes protected no claims, legal and car hire. Was expecting a reasonable hike from my previous car (2.0T) but little change. Location, age, occupation and many other factors all influence your premiums but it all seems a bit of a lottery.
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03-02-2014, 11:12 AM	#8
Mr NSB Captain 139 Rep 699 Posts Drives: 420d M-Sport Join Date: May 2013 Location: Hampshire, UK iTrader: (0)	Free legal protection here from Your Key
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03-02-2014, 12:33 PM	#10
-AndyH- Lieutenant 25 Rep 597 Posts Drives: F31 330d X-Drive M-Sport Join Date: Nov 2012 Location: Prague iTrader: (0)	Be very careful with legal protection - I think it is a must have, but you want to make sure it's with a respectable company that employs decent solicitors (or allows you to chose your own at a normal hourly rate). One of the main reasons I think it's a must have is because of the number of uninsured drivers in the UK.
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03-02-2014, 07:36 PM	#14
dazzapb Brigadier General 1050 Rep 3,154 Posts Drives: 2019 X3M Comp Join Date: Feb 2006 Location: SW London iTrader: (0)	Thanks for that sailplan - crafty beggars!
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03-02-2014, 07:44 PM	#15
MRPoisson Lieutenant 40 Rep 589 Posts Drives: BMW F36 435D M Sport+ Join Date: Mar 2013 Location: Lancashire UK iTrader: (0)	Never bothered with a legal a protection - save your money IMO __________________ F36 435D M Sport + Glacier Silver Gone F30 320D 8AT M Sport Mineral grey Gone E92 320D M Sport Sparkling Graphite Gone E46 320D M Sport Silver Grey
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