Legal Expenses Cover
What's covered with Legal Expenses Cover?
Cover for legal costs should you be in an accident that isn’t your fault. That’s more peace of mind.
What's covered?
Motor accidents happen every day and can lead to extra costs that your car insurance doesn’t cover. Legal Expenses Cover gives up to £100,000 to pay for legal representation to help you make a claim if the accident wasn’t your fault.
Accidents involving uninsured or unidentified motorists
If you're involved in an accident with an uninsured or unidentified motorist, our appointed legal experts will be able to negotiate settlement for personal injury compensation through the Motor Insurers Bureau.
Uninsured loss recovery
Legal help is provided to recover uninsured losses from a road accident that wasn’t your fault. This can include transport costs while your vehicle is repaired, lost earnings due to injury, and recovery of any policy excess.
Personal Injury compensation claims
Legal help to claim compensation for injuries to you and your passengers after a road accident that wasn’t your fault.
Motor prosecution defence
This cover helps pay for legal costs to defend against a driving charge, including asking for a lighter sentence. Alcohol or drug-related offences are not covered.
Cover throughout Europe
Legal representation for uninsured loss recovery and personal injury compensation extends to road accidents involving the insured vehicle that may occur in Europe.
24/7 legal advice helpline
Available for any personal related legal query not just motor-related matters.
How to make a Legal Expenses claim
If you have Legal Expenses Cover included in your policy and would like to claim, please contact 1st Central as soon as possible after the accident. Simply go online or chat to one our helpful support team 24/7.
Or speak to our Claims team on 0333 043 2022
Answers to important questions
Can I use my Legal Expenses Cover to claim for uninsured losses relating to a key claim?
The Legal Expenses Cover can only be used to claim back costs from a third party insurer or solicitor. If you are claiming for just your keys, there will be no third party responsible for the loss so you won't be able to use it to claim back any uninsured losses.
Can i add and edit optional extras to my car insurance?
You can add extra optional cover to your policy any time during the policy year.
We offer Legal Expenses, Personal Accident, Hire Car and RAC Breakdown.
We also offer Excess Protect, however this is only available as an optional extra when you first buy or renew your policy. It can’t be purchased part way through your policy term.
You can make all these changes online via Your Account.
Alternatively, you can call our Customer Service team.
I've incurred additional losses not covered by my car insurance
If the accident wasn't your fault, you can claim your losses back from the other insurance company.
If you've purchased Legal Expenses Cover, our Legal team can assist in claiming these losses on your behalf. You can check to see if you have this cover in Your Account.
If you'd prefer to speak to someone, give our Customer Services team a call.
How can I get an update on my car claim?
If you need to check on the progress of your claim, just head over to Your Account where you can view the status of your claim, provide us further information or request an agent calls you if you have any questions.
You can also contact us via Webchat or WhatsApp, Mon-Fri: 9am-6pm
How do I make a car insurance claim?
If you need to make a new claim or notify us of an incident, you can register your claim online via Your Account, or if you’d rather speak to us, just give us a call on 0333 043 2011. The team are here to help 24/7, 365 days a year.
Try to call us from the scene of the incident if it you are safe to do so. If not, try to call us within 24 hours to avoid delays. This will create a more straightforward claim for you.
If you have been involved in an incident but you’re not sure you want to claim, you will still need to let us know. We will be able to talk you through your options and keep you up to date with any claim we may receive if there was someone else involved.
Let’s get Legal Expenses Cover sorted
If you would like to add this cover, you can take this out at any time during the year.