If you are about to take out car insurance, you will undoubtedly be asked: “Would you like to add legal expenses cover?” It’s safe to say you aren’t alone in thinking, “I have no idea!”

We want to pull back the curtain on what legal expenses insurance actually is, why it matters, and how VINTTRO Cover handles things a little differently.

What is Legal Expenses Insurance?

In short, it’s designed to protect you against the costs of legal action, whether you are the one starting the claim or someone is bringing a claim against you.

• Single Car Policies: Usually, this cover is tied to one specific vehicle.
• VINTTRO Multi-Car: Unlike many standard providers, our multi-car policies cover all cars listed under the same legal expenses umbrella.

The “Pros”: Why bother adding it?

If you’re involved in a “non-fault” incident and need to recover losses (like your excess or lost earnings), a legal team handles the heavy lifting, gathering evidence and preparing your case.

Key benefits include:

• Cost Coverage: It covers solicitors’ fees, barristers’ costs, and court fees.
• Expert Guidance: Most policies include a free legal helpline for advice when you’re in a “what do I do now?” situation.
• Uninsured Loss Recovery: Helping you get back money that your standard policy doesn’t cover (like travel costs while your car is in the shop).

The Whiplash Factor

Recent legislative changes mean that for personal injury claims under £5,000, solicitors can no longer recover their fees from the other side. While you can submit a claim yourself via the OIC portal, legal cover ensures you have professional advice to navigate the process correctly.

Are there any “Cons”?

The main “con” is the one common to all insurance: you might pay for it and never use it. However, you have to weigh a small annual premium against the massive financial hit of a court case.

Note: Most policies have a claims limit (usually around £100,000). While generous, complex cases can eat through this, so it’s vital to know exactly what your specific policy covers.

Talk to us – 0333 4042 007

Our friendly, knowledgeable advisors at VINTTRO Cover are here to help. Whether you have questions about an existing policy or are looking for new cover, we’ve got your back.