Making a claim can be stressful. Aside from the inconvenience, additional costs such as legal fees can be expensive when you're not expecting them.

Thankfully, when purchasing any of our motor insurance products, we also offer our Motor Legal Expenses and Substitute Vehicle insurance policy, which we believe is an excellent additional cover to support you when using and owning a vehicle.

We recently caught up with our Customer Care Champion, Donna Powers, who explained why it’s a good idea to take out Motor Legal Expenses and Substitute Vehicle Cover.

Donna told us: “Firstly, adding Motor Legal Expenses and Substitute Vehicle Cover to your existing policy will give you support for Uninsured Loss Recovery. If you’re involved in an accident that isn’t your fault you may incur costs which aren’t covered by your motor insurance policy. This could be the cost of your excess, loss of earnings and the cost of replacing or repairing damaged personal belongings that were in your vehicle at the time of the incident.”

“Uninsured Loss cover is exactly that; if you have suffered a loss due to an incident, and that loss isn’t otherwise insured, you can look to recover the loss with the Motor Legal Expenses and Substitute Vehicle policy enhancement. Without this cover, these costs would need to be presented to the third-party insurers directly to try and recover these losses, which can be time consuming and frustrating.”

The second section of cover is Motor Legal Defence.

Donna explained: “The cover will support you in helping to recover legal expenses incurred when defending a motoring prosecution which has been directly brought against you in court.”

And lastly, Substitute Vehicle, which is also included in our legal expense cover.

Donna concluded by saying: “After an accident, some insurers will supply a courtesy vehicle but only if yours is deemed repairable. If it isn’t, then you could be left without a vehicle until the overall claim has been settled. If your vehicle is undrivable, stolen or written-off because of an incident covered in your insurance policy, we will arrange for the hire of a substitute vehicle for up to 14 days to keep you on the road.”*

We feel these are three very good reasons why the Motor Legal Expenses and Substitute Vehicle policy is a useful additional product to purchase through Lifesure.

For more information on our Motor Legal Expenses and Substitute Vehicle policy enhancement, visit or call us on 01480 402 460.

*Subject to terms and conditions

Disclaimer: The sole purpose of this article is to provide guidance on the topic covered. This article is not intended to give legal advice, it should not be relied upon. It should not be regarded as a comprehensive statement of the law and/or market practice in this area.

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