Legal expenses insurance

Reduced legal expenses insurance on all CoverGirl policies – worth up to £50!

Legal expenses insurance is included with all CoverGirl Car Insurance Services policies, but what is it and why do you need it?

Being involved in a car accident can be highly stressful and very expensive. If the accident was someone else’s fault, and even if you’re comprehensively insured, you may not have the time or money to pursue the person responsible, despite being legally entitled to claim for personal injury, policy excess and other losses.

That’s where your CoverGirl legal expenses insurance comes to the rescue. This provides you with up to £50,000 worth of legal cover and helps you pursue a claim for your losses from the person who caused the accident.

Non fault claim helpline
In the event of a non fault accident call the CoverGirl non fault claim helpline and one of our friendly claims advisors will get your claim underway.

CoverGirl non fault claim helpline - 0800 954 97 56

The sooner you report the accident to us, the more we will be able to help you. By reporting the accident to us immediately we can help you cover your full entitlements.

What can I claim for?
If the accident was not your fault, we may be able to recover the following:

Loss of earnings as a result of the accident
Accident repair costs or write off value of your vehicle
The costs of a hire vehicle whilst your own is being repaired or awaiting inspection by
an insurance engineer if your vehicle is not road worthy
Your insurance excess (if comprehensively insured)
Damage to any personal effects, items of clothing or goods being carried by the vehicle
The cost of roadside recovery and storage charges

Additional services
CoverGirl can provide a range of additional services to assist you following a non-fault accident, and the costs associated with these services can be reclaimed from the third party or their insurers.** These services include:

Personal injury compensation
CoverGirl can help you make a claim for personal injury compensation if you have sustained any injuries in the accident. Our solicitors work on a no win, no fee basis, which means win or lose you have no legal costs to pay and you will get 100% of any compensation awarded to you, guaranteed.

Car repairs
If you are third party insured, CoverGirl may be able to organise for your car to be repaired and pass the costs on to the insurance company of the person who caused the accident. This is how it works:

We will arrange for an inspection to be carried out on your vehicle by an independent insurance engineer
We will arrange for repairs to be carried out through an insurance company approved repair garage, for your satisfaction
We will arrange a replacement vehicle to be delivered to you for use for the period of repair
We will forward all repair costs and car hire charges to the other party’s insurance company

Replacement car
If your car is being repaired or is not roadworthy, CoverGirl can provide you with a replacement vehicle (of equivalent size to your own) on a credit-hire basis. All CoverGirl credit-hire arrangements are approved by the Association of British Insurers (ABI).

If you would like any further information about CoverGirl legal expenses insurance, please contact a member of our motor team on
0800 954 97 56.

**Providing the third party and their insurer are known and there is no dispute over liability.

*A replacement car can normally be arranged under one of the following conditions: (1) Comprehensive policyholders – a replacement car may be available under the terms of your insurance policy. Please check your policy details for more information. (2) Non fault accident – where we have the name, car registration number and insurance details of the person who caused the accident, we can supply a replacement car. This is done on a credit hire basis which means the costs for this service will be passed onto the insurance company of the person who caused the accident. We may not be able to arrange a replacement car where we are unable to get an admission of liability from their insurance company, or where the driver is untraceable or uninsured. (3) Repair garage – if your car is booked in for repairs following an accident, the repair garage may be able to provide a replacement car (subject to availability).