Legal expense cover may well be an optional extra, but think of it as an essential, as this article advises.

Car Insurance. Don't forget the legal expense cover

Author: Emma Mayo

When buying your car insurance over the Internet, do you tick yes or no to the option of legal expenses cover? Because it adds on a little extra to the premiums, it's tempting not to bother, especially as many of us aren't really sure what it is! However, we really think that it's an essential part of a car insurance policy, and advise you to definitely take the option if it's not already included. Here's why.

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A few months ago, one of our freelance writers, Jake, had an accident. He's very proud of his car, a Golf Mark I, and spends every weekend tinkering with it. So it was ( insurance ) important to him that his insurance covers absolutely everything, and that's why he made sure he had legal expenses cover.

Luckily for him, the legal expenses cover proved its worth after the accident. He was ( best mortgages ) hit from behind, so the car sustained some damage that was fixable. The insurance made sure that all happened swiftly. Jake broke his wrist in the accident, and suffered some whiplash. Without legal expenses cover, he would have to pay himself for a solicitor to pursue for compensation. As it was, Jake received compensation soon after. As a freelance writer, ( loans ) Jake only gets paid for the hours he works; he doesn't get sick pay from an employer. He couldn't work for a month, so also lost a lot of earnings in that time. In stepped the legal expenses cover again, and Jake will soon receive compensation for his loss of earnings.

The legal cover only added £2 a month to his premiums, so it was ( life insurance advisers ) certainly worth the minimal investment.

Comprehensive insurance covers everything to do with your car, but it doesn't cover the consequences of an accident. For no fault of his own, Jake was left unable to work for a month. Having the legal cover meant that he was as well looked after as his car. Without it, the expenses related towards getting compensation would have been all his.

Click here for part 2