Legal Expense Policy
Legal Care Plus is the RAC’s motor legal expenses insurance policy that gives you the cover you need if you’re involved in a car accident that wasn’t your fault or if you have a legal dispute about your vehicle.
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What is legal expenses insurance?
Motor legal expenses insurance is designed to make sure policyholders don’t lose out financially if they are involved in a road traffic collision that is not their fault. It covers the legal costs to pursue claims for loss of earnings, policy excesses and the cost of making a personal injury compensation claim, and more. Your motor insurance policy won’t help you to claim these back. So without this cover, you’ll either have to pay for a solicitor to try and claim these back for you, or you could lose out completely.
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The average cost of buying legal expenses insurance with your car insurance policy is around £30. But RAC’s Legal Care Plus policy, included within your membership subscription, will do all of this for you, as well as covering up to five policyholders on one policy.
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A helping hand with private Legal issues
All members can call the RAC free legal helpline for guidance on motoring matters. Like speeding fines and parking tickets. RAC can also help with all sorts of other personal legal issues too. Like property, employment, family and wills.
Motoring
prosecutions
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RAC Motor Legal Expenses Insurance policy can cover legal costs if you’re facing prosecution for a motoring offence under our legal defence cover.
24/7 Legal
Advice Helpline
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Unlike some other legal expenses insurance policies, Legal Care Plus includes a 24/7 legal advice helpline which offers advice on any personal legal matter you may have.
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Legal Care Plus is around 50% cheaper than most other motor legal expenses insurance policies out there (source: www.comparethe market.com)
Disputes
with garages
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If you’re facing a dispute with a garage, after buying or selling the vehicle, or have concerns about poor servicing or repair work, the RAC’s policy will provide the help you need and cover legal costs if you need a solicitor.
Credit hire & repairs
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RAC can also help you get back on the road quickly after an accident that wasn't your fault by providing a replacement vehicle and quality repairs. Using RAC service to repair your vehicle means you don't need to make a claim on your motor insurance policy, so you can avoid paying your policy excess We'll also arrange for a hire vehicle similar to your own and claim the hire and repair costs back from the other party’s insurance company. (Subject to using RAC Approved Garages & satisfying the hire criteria of the replacement car provider's terms & conditions).
Legal Care Plus cover
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Uninsured loss recovery. Up to £100,000 legal expenses cover following an accident that wasn't your fault, helping you to recover uninsured losses such as your policy excess, loss of earnings or personal injury compensation.
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Legal defence. Up to £25,000 legal expenses cover if you've received a summons for an alleged motoring offence involving your vehicle.
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Travel costs. Up to £1,000 cover for travel costs relating to legal proceedings where the accident occurred in Europe.
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Consumer disputes. Up to £10,000 legal expenses cover to help you pursue breach of an agreement following the purchase, selling, service or repair of a motor vehicle.
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24/7 advice on personal legal matters in the UK including – wills, probate, employment, family and conveyancing matters.
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Cover for up to 5 people in any motor vehicle under one policy.
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For cover to be provided, there must be a 51% or greater chance that your case will be successful.
