E90Post
 


Bimmer Retrofit
 
BMW 3-Series (E90 E92) Forum > BMW E90/E92/E93 3-series General Forums > Regional Forums > UK > Waste of money?



Reply
 
Thread Tools Search this Thread
      02-27-2012, 12:07 AM   #1
John320d
First Lieutenant
John320d's Avatar
4
Rep
369
Posts

 
Drives: BMW 320d E93
Join Date: Dec 2009
Location: Manchester UK

iTrader: (0)

Waste of money?

my annual car insurance is due once again. over a lot of years i have ticked the box to include motor legal expenses which costs about 25 but have never had the need to use them.are they a waste of money?. is there anybody out there who had a need to use them and think they are a must have,or anybody who in the past did not have them and found themselves wishing they had? in what circumstances would you find it useful to have them? thanks for your opinions.
Appreciate 0
      02-27-2012, 01:33 AM   #2
B005T3D-G
Class Leading Reprobate
B005T3D-G's Avatar
Scotland
5
Rep
421
Posts

 
Drives: Impreza STi - E92 335i (56)
Join Date: Oct 2011
Location: Mintlaw, Scotland

iTrader: (0)

Garage List
Well if there is an accident whether your at fault or not and there is a dispute then it will come in very handy as it saves you paying the 'very' expensive legal fees. My mother had a car pull out in front of her causing quite a bad crash writing off both cars and the driver at fault decided to lie and say my mother was speeding which was then investigated and involved a lengthily legal battle between the two insurance companies regarding the case. She would have been liable for those costs if she didn't have the legal cover. For me it's a must as solicitors have been known to charge 150 + just for notifications by letter, per letter!!!
Appreciate 0
      02-27-2012, 03:05 AM   #3
Sir_Pigley
Captain
Sir_Pigley's Avatar
United Kingdom
12
Rep
843
Posts

 
Drives: 525d M Sport
Join Date: Sep 2009
Location: Banbury

iTrader: (0)

Garage List
Send a message via Skype™ to Sir_Pigley
With the way people are suing for personal injuries for the slightest reason I think legal fee insurance is now a must.
Appreciate 0
      02-27-2012, 03:32 AM   #4
Laney
First Lieutenant
Laney's Avatar
England
4
Rep
337
Posts

 
Drives: E90 330d M Sport auto
Join Date: Dec 2011
Location: Selby, North Yorkshire

iTrader: (0)

Garage List
2006 BMW 330d  [4.00]
Unless you have access to free legal support (and I don't mean legal aid) then I think its worth that little extra for the piece of mind.
Appreciate 0
      02-27-2012, 04:18 AM   #5
rogerxp
Major General
rogerxp's Avatar
United Kingdom
72
Rep
5,925
Posts

 
Drives: M3 Comp Pack / QQ+2 Tekna
Join Date: May 2008
Location: Stockport, Cheshire

iTrader: (1)

Garage List
You're quite likely to have legal protection through your household insurance (which applies to other non-house related issues) which should pick-up the tab, so it could be deemed a duplicate, but that said it's one of the few boxes I tick anyway.
__________________
Current -: MW E92 M3 Competition Pack / Qashqai+2 Tekna 1.6dci
Gone -: 370Z GT Roadster; BMW X3 3.0d xdrive M Sport; E46 330i M Sport Coupe; Mazda RX8 231; Nissan 350Z GT Roadster; BMW E90 330d M Sport; BMW E92 335i SE; Maserati 4200; Nissan 350Z; Honda S2000; Astra Coupe Turbo; Ford Probe
Appreciate 0
      02-27-2012, 04:21 AM   #6
davyk31
Brigadier General
60
Rep
4,470
Posts

 
Drives: Audi SQ5 & Golf GTD
Join Date: Sep 2009
Location: Northern Ireland

iTrader: (0)

As Roger says your home insurance will often pick up the tab and if you win your case you won't be liable for any fees anyway as they ought to part of the award.
Appreciate 0
      02-27-2012, 04:27 AM   #7
BIGTIME
Lieutenant
11
Rep
494
Posts

 
Drives: E92 M3 DCT - Mineral White
Join Date: Mar 2010
Location: North East

iTrader: (0)

A friend told me when he renewed his insurance over the phone they tried to sell him this cover. He got a bit arsey and when he looked into it he was covered anyway and this just gave an extra 50k cover. Try phoning the insurance company up and say what am I paying insurance for if your not going to pick up the court fees. Saying that I always pay it if it's not extortionate.
Appreciate 0
      02-27-2012, 10:29 AM   #8
scottishpete
Lieutenant
Scotland
15
Rep
548
Posts

 
Drives: e92 325d m sport coupe
Join Date: Jun 2009
Location: aberdeen

iTrader: (3)

For 25 yes

Even just call them uand say you have a qoute elsewhere for better and they will more thasn likely knock it off
Appreciate 0
      02-27-2012, 03:29 PM   #9
AlanQS
Colonel
AlanQS's Avatar
Scotland
25
Rep
2,523
Posts

 
Drives: 320d SE Coupe
Join Date: Jan 2008
Location: Glasgow

iTrader: (0)

Garage List
As has been said, your home insurance may already have this cover (many include it automatically). My car insurance people once upon tried to persuade to take it with the line "you won't get your excess back without it" (even when you are not to blame), but I resisted the blackmail.
__________________
Appreciate 0
      02-27-2012, 03:32 PM   #10
SenorFunkyPants
Colonel
SenorFunkyPants's Avatar
United Kingdom
38
Rep
2,606
Posts

 
Drives: E92 DCT M3
Join Date: Mar 2009
Location: UK

iTrader: (0)

If you are with Unison then you get free legal protection from Thompsons solicitors with LV.
__________________
Appreciate 0
Reply

Bookmarks

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump


All times are GMT -5. The time now is 06:51 PM.




e90post
Powered by vBulletin® Version 3.7.0
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.
1Addicts.com, BIMMERPOST.com, E90Post.com, F30Post.com, M3Post.com, ZPost.com, 5Post.com, 6Post.com, 7Post.com, XBimmers.com logo and trademark are properties of BIMMERPOST