Via the "other side" I took out car legal cover 12 mths ago via Autolaw (Lucy BC)
Got a reminder of renewal date but they cannot take Credit/Debit Cards - Cheque? or pay to their account
Anyone else had any experience of their services?
It's cheaper @ £17.50 but is there any evidence of them doing the deed if/when you need help.
In my opinion - No CC/Debit card seems to be a massive No No.
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I'm sure I paid by credit card when I signed up earlier this year. Perhaps things have changed. No experience with the quality of service, though.
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Looked at the website and the option for me was Google.... which would ultimately mean a credit card. Cost was £24 I think. But don't need it.
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I need to renew and found the same as rjt70 - one has to have a Google account and add a credit card to it.
What about these people?
www.bestadviceuk.co.uk/?gclid=CL2whfqxl6wCFRIhtAodWwFmPw
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www.bestadviceuk.co.uk/?gclid=CL2whfqxl6wCFRIhtAodWwFmPw
So, if I take out a policy with someone like the above, and have an accident, I have to decide if it was my fault - or their fault - (or maybe it was half and half in reality) - then decide whether to call my insurance company.....who tell me to always call them in the event of an accident.....or call my car manufacturers helpline ( third party claims management company) who my dealer tells me should be my first port of call if it wasn't my fault.......or do I call the above mentioned company who will also act on my behalf????
All this to be worked out in the heat and trauma of an unexpected accident with all the upset that that can cause.
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Best Advice's site says
Through our network of repairers we collect your car, repair the damage and deliver your car back to you in its original condition, with all repairs fully guaranteed.
I have emailed them to say "Excuse me, that is what I pay comp insurance for. Where do you fit into this?"
I will report their reply
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At least if you take the 'Legal Cover' policy that the Insurance company offer you can ring your insurer and expect them to sort things out between themselves and their appointed legal cover company...that's what happened when I did once claim and the insurer and/or the legal company decided to pursue a claim through the small claim court to recover costs. As it happens the claim failed in court but I didn't have to pay anything more. They said they tried and failed....can't win them all.
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how have I managed 37 years of driving without legal cover?
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>> how have I managed 37 years of driving without legal cover?
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Buses are better lit?
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>> >> how have I managed 37 years of driving without legal cover?
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>> Buses are better lit?
Didnt need legal cover for that, Slippery nick wouldn't have got me off that one.
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Why doesn't the insurance company, that is paid by you, just do their job from start to finish. Fight your claim, sort out a replacement vehicle at no cost (if not your fault), get back the excess, and basically fight your corner.
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Yes but it has been reported that the big insurance companies buy these policies in bulk at about £5 a pop and mark them up to sell to you at £30. If you have legal cover does it actually matter if it is free standing or bought thru your car insurer? It should still work.
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"Yes but it has been reported that the big insurance companies buy these policies in bulk at about £5 a pop and mark them up to sell to you at £30. If you have legal cover does it actually matter if it is free standing or bought thru your car insurer? It should still work".
I thought that was the point I was trying, unsuccessfully, to make...that by having them both with the same source they couldn't each pass the buck so readily.
Zero has managed for the past 37 years without it because, as he has shown, time and time again, he is in a different class to the rest of us mere mortals.
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The problem with your own insurance companies legal cover is in the unfortunate event that both parties should be insured by the same company, hardly possible?.
Happened to me many years ago, bus driver pulled in and then out of bus stop scraping the entire length of his bus on the NSF wing of my stationary Land Crab, caused more damage to the bus than my car... independent witnesses in car behind me simply couldn't believe it or the attitude afterwards of the bus driver.
Come renewal i'd lost my no claims, i contacted Norwich who informed me that as they insured the bus company too they'd called it a knock for knock accident, and hadn't bothered to pursue any witness statements or other such irrelevencies.
But (chuckling) if i'd like to take the bus company to court and win they would reinstate my no claims...yeah right, young penniless blokes were always taking large corporations to court in those days, that was a hard and expensive lesson.
Something to be said for having independent legal recourse.
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My thought is that I would rather have an independent, paid by me and acting for me, than someone in the pocket of my insurance company and who would be acting in the company interests, not mine.
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But why do you need it at all? And what does it cover?
Let me explain.
I am currently involved in a compo case. I have a Solicitor working for me on a conditional fee agreement (they recover costs from the other party) , but I have had to pay for dispersements (various non legal costs that wont be covered by your policy - like specialists for example) court fees (again probably wont be covered)
Frankly I think they are a waste of time, and I am surprised that you lot went for the one with that Lucy woman.
Add to the fact that you cant pay but normal methods leads me to think its very suspect indeed.
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Point taken, M...but isn't legal cover more designed where your/my insurer is trying to recover costs from a third party in the event of them being at fault and in order to save your/my insurers outlay - and our NCB - and wouldn't they therefore have an interest to act together to achieve that?
Am only basing that on what seems to me to be logic and on experience of the claim I referred to (where they both tried, albeit unsuccessfully on that occasion) to recover their (and my) costs. I have no great wish to spend £25 a year on the cover, but do so just as an additional gesture of peace of mind should the unexpected occur. Furthermore, the only third party legal cover company I've been made aware of is the one endorsed by the gent with the hat....and from experiences of bods in the past trying to contact them, I've decided to avoid them.
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It is a bit of maze! If my insurer is trying to recover costs from a third party then they can do it, at their expense, rather than using an insurance policy that they have sold me to cover this eventuality and an insurance company they recommended and picked up a commission from too! I prefer to have an independent insurer, chosen by and paid for, by me
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I have had a very full email back from these people and the position is, as raised by kb some time back - you have to decide whether an accident is your fault or not, and decide at the time whether to use them or your own insurer. Not a good situation IMO
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I got 12 month's legal cover for £11.99 from
LawShield UK Ltd - Connexus Claims Solutions Ltd - Performance Car Hire - Connexus Hire Solutions
Part of the Connexus Group of Companies - providing services to Insurers, Intermediaries, Brokers & Fleet Risk Managers.
Google for Lawshield
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If you qualify for CSMA (Civil Service Motoring Association) membership - a lot of people do - then that includes free motoring legal cover. Costs £16.
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Probably shouldn't have taken out the legal cover with my insurance now. That said my friends legal cover paid for her to take some chancers to court, she won and got all costs paid.
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If you do not look you will not find it!
Famous (infamous) quote of SWMBO
Looked at the GEM breakdown Cover that I pay £67 for.............covers 2x cars and 2x drivers
PLUS
included in the Cover is up to £100K Legal Expenses.
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Legal Exp cover - Autolaw & LucyBC - FocalPoint
