Legal Expenses Cover will help you claim back expenses that are not covered in your Insurance policy if you're involved in a claim that isn't your fault. The policy will pay up to £100,000 for all legal costs and expenses. If you would like to add Legal Expenses Cover to your Kwik Fit Car Insurance policy, please call us now on 0800 280 2203.
Motorplus Legal Expenses - Policy Summary
This policy summary provides key information about the Motorplus Limited Legal Expenses Policy, which you should read. For full terms and conditions of the policy please read the policy wording.
Provided you have paid the required charge your cover will be valid for the duration indicated on your Certificate of Motor Insurance.
The Motorplus Legal Expenses Policy is a legal expenses insurance contract, which helps you to recover uninsured losses and costs from the person responsible for the accident following a vehicle collision.
| Significant benefits | Significant exclusions or limitations |
Policy section |
|---|---|---|
| Uninsured Loss Recovery and Personal Injury We; or if we agree it is necessary, external lawyers that we will appoint; will negotiate to recover uninsured losses and damages, and any legal costs and expenses, incurred by the Insured Person in bringing a claim against a negligent Third Party following a collision between the Insured Vehicle and another vehicle relating to: (a) Loss of or damage to the Insured Vehicle (b) Damage to any personal property owned by the Insured Person or for which the Insured Person is legally responsible whilst in or on the Insured Vehicle (c) Death or personal injury to the Insured Person whilst in, on or mounting or dismounting from the Insured Vehicle Passengers and drivers, with the permission of the Policyholder, will also get the benefit of the Policy cover. |
External costs are limited to £100,000 and this includes opponents’ costs. The insured person must be in or on the insured vehicle at the time of the collision. Costs incurred before Motorplus Limited agrees to appoint a representative to help an insured person are excluded. Motorplus Limited is free to choose a representative to help the Insured Person. |
Definitions: Limit of Indemnity Definitions: Insured Event Exclusions: (17) Conditions: (4) Representation The list of EU countries in which cover applies is shown in the policy wording. |
| Territorial limits The policy cover applies to accidents that happen in the Territorial Limits of the UK and most EU countries. |
The list of EU countries in which cover applies is shown in the policy wording. | Definitions: Territorial limit. |
The above merely highlights the key significant exclusions and limitations but not all.
Cancellation right
We hope you are happy with the cover this Motorplus Legal Expenses Policy provides.
However, you can cancel this policy with notice within 14 days of the date upon which you receive your policy document, and subject to no claim having been made under the policy, a full refund will be given of the premium paid. After this you can cancel it at any time by contacting Kwik Fit Insurance, however no refund of premium will be given.
Making a claim
If you have a claim please ring to tell us about it as soon as possible and within six months of your accident. Telephone 0800 280 2029 to report your claim. You will need to explain that you are insured with Kwik Fit Insurance, and provide your policy number, your vehicle registration number, date of accident and any supporting details/information required to pursue the claim.
How to make a complaint
If you need to make a complaint about the policy, contact us by calling on 01603 420000 or in writing to Chief Exectutive Officer, Motorplus Limited, Kircam House, Whiffler Road, Norwich, NR3 2AL.
If you remain dissatisfied you can contact;
Head of Claims, UK Underwriting Limited, 2 Gibraltar House, Bowcliffe Road, Leeds, LS10 1HB.
Motorplus Limited is covered by the Financial Services Compensation Scheme (FSCS).
Motorplus Limited is authorised and regulated by the Financial Services Authority
Depending on the circumstances you may be entitled to compensation from the scheme should either firm be unable to meet their obligations.
If you would like to add Legal Expenses Cover to your Kwik Fit Car Insurance policy, please call us now on 0800 280 2945.
1. With comprehensive cover only, while the insured vehicle is being repaired by an approved repairer.
2. With comprehensive policies only.
3. With comprehensive cover only, your policy covers you to claim £20 per day for up to 5 days for hire car costs following the theft of your vehicle.
