What’s motor legal cover?

Sometimes incidents on the road get complicated. Even if you’re not to blame, you may need legal advice to defend yourself, chase compensation or recover losses. 

For instance, if your car is illegally towed, you may need to hire a solicitor to recover towing fees. Or if a crash leaves you unable to work, you may need a solicitor to help you get compensation for your lost earnings. 

These legal costs can quickly add up. That’s why we give you the option to add motor legal cover to your Prima car insurance policy. It can cover you for up to £100,000 in legal costs following a motoring-related incident that’s not your fault. 

What it covers

Motor legal cover can protect you against the legal costs of chasing compensation, defending yourself or recovering losses if:

• An accident leaves you hurt or unable to work
• You’re taken to court over a motor offence you didn’t commit
• Your car’s illegally clamped or towed
• You’re wrongly given a parking fine
• You’re in a dispute over a contract involving your car (for example, a financing agreement)
• Someone uses your car’s identity without permission
• Your driving licence is suspended, revoked, altered or refused renewal by a licensing authority

How much you can claim

With our motor legal cover, you can claim up to £100,000 per incident – or up to £200,000 per policy period.

What's not included

We try to include all the important stuff. 

But with our motor legal cover, you can’t make a claim:

• For incidents that happened before the start of your policy 
• If there’s less than a 51% chance your case will succeed
• If you’re bankrupt, in liquidation or part/all your estate is in the care of someone else
• If you’re disqualified from holding or getting a driving licence on the date of the insured incident
• For the cost of fines, damages or other penalties that you’re ordered to pay by a court or other authority
• For costs already covered by another insurance policy in the name of you or another person involved in the incident (unless the amount is more than the other policy will cover)