Commercial Vehicle Insurance
Optional Cover - Legal Protection
For terms and conditions please see the policy document.
In addition to the standard cover, for an additional premium, this optional cover will help take care of costs that you incur through legal proceedings to recover uninsured losses or damages and compensation following an accident.
Cover includes:
- A sum of up to £100,000 arising out of any one incident for legal fees incurred to pursue damages arising from a road traffic accident against those whose negligence has caused your injury, death or caused you to suffer loss of your policy excess or other out of pocket expenses.
Exclusions
These are some of the exclusions that apply to the policy. Full details can be found in the policy document. Other additional terms & conditions may apply in certain areas.
- any fines, penalties or compensation awards imposed by a court, tribunal or regulator.
- any costs covered by another insurance policy
- any criminal proceedings where you do not have a valid:
- motor insurance policy;
- road fund licence or MOT certificate for the insured vehicle; or
- driving licence.
- Costs you have paid directly to the legal representative or any other person without our permission
- Any claim where you;
- become insolvent (or commit an act of insolvency or bankruptcy), or
- enter into liquidation, or
- make an arrangement with creditors, or
- enter into a deed of arrangement, or
- have part or all of your affairs assets or property placed in the care or control of a receiver or a liquidator, or
- have an administration order over your affairs assets or property.
Conditions
- You must make your claim within 6 months of the date of the event which gave rise to the dispute.
- We will have the right to do the following: -
End your cover provided by this section if, during the course of the claim we think that there is no longer a reasonable chance of success. If you continue the claim and get a better settlement than we expected, we will pay your reasonable costs.