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It can be tempting to decline add-ons, but Motor Legal Expenses is one ‘extra’ that should not be discounted. We truly believe it is an essential extension and, considering the very low costs, every motor vehicle insurance client should consider adding legal expenses to their policy.

Motor Legal Expenses covers the legal costs to defend or pursue action against another driver. So what are the key benefits to having motor legal expenses insurance?

  • Access to legal advice helpline
  • Full legal costs covered up to £100k

You could claim back:

  • loss of earnings
  • policy excess
  • like-for-like vehicle replacement costs
  • other out-of-pocket expenses

The S-Tech difference

Legal expenses s-tech difference

We are not on any internet comparison sites and do not have any cuddly toys or gimmicky marketing tricks. We just put all our effort in providing our customers the best cover, for the right price combined with a premium-level service.

We believe in providing our customers competitive car insurance with products suitable for their needs. Being independent we are able to provide impartial advice on the best product for your needs. Having access to multiple insurance companies we are able to command competitive pricing ensuring you get value for money.


  • Absolutely, this is the primary benefit of having legal expenses insurance in place. However, it is important to note that your claim will be assessed to ascertain your chances of success during the legal process. If it is clear and evident that you are at fault, for example, you can not use the insurance to cover the costs of a spurious case.

  • No, it’s not mandatory to have motor legal expenses in the same way you have to have car insurance. But it is highly recommended as your out-of-pocket expenses can quickly add up in the event of an accident – especially if you have to take legal action against another driver.

  • There are some comprehensive insurance policies that may include an element of legal cover, but it is not common. Always check with your provider whether you have legal cover in place. Third party cover will not include legal cover.

  • Imagine you’re on your way to a concert with your partner when you’re involved in a not-fault accident. You’re unable to attend the concert and your hotel booking is also lost. The cost of the tickets and the hotel room would not be covered with a standard motor insurance policy. That could be £500+

    Or imagine that due to a personal injury you sustain in the accident you’re unable to work, leaving you with a £10,000 loss in earnings. Again, this wouldn’t be covered with a standard motor policy.

  • An accident can be investigated and fault attributed to one or another party, or it may be agreed on a 50/50 split of blame. In this case any legal expenses claim will also be reduced in line with the percentage split.

    So, for example, if you claim £1,000 for out-of-pocket expenses and the accident is determined to be 50/50 then your insurance would only cover 50% of your expenses – in this case, £500.

Get in touch

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  • if applicable