Why you should contact Your Key first after an accident?

Most people involved in accident turn first to their insurance company or broker. We ask is this the right thing to do?

First and foremost you need independent expert advice. Your insurance company is there to do a particular job, but it is not an adviser, and it is not your representative.

Your insurance is in place to cover your liability to third parties. That means you must have insurance to cover the damage you do through your own fault.

You might have bought extra cover such as fire and theft, or fully comprehensive to include your vehicle. Fire and theft say what they mean, but fully comprehensive is not so clear. Fully comprehensive means the property insured will be covered by the policy regardless of who is to blame for an accident.

If the accident is not your fault it is not a good idea to claim on your own insurance policy. It is much better to claim from the person who caused the accident. We say this because if your insurance company pays out your insurance record is blemished, and it makes no difference if someone else was at fault.

Your insurance company will not necessarily try to recover the cost from the person at fault. Some do and some don’t. Like we say above your own insurance company is not your representative.

It is confusing, and that is why Your Key is here to help.

You should tell your insurance company about an accident, but we suggest you contact us first, and if we can help we will contact your insurance company and report for you. If the incident is one for your insurance company to deal with we will tell you.

Look after your insurance record and take care.

Tags: accident, accident call 08000 114 114, legal cover, legal expenses insurance, legal protection
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Insurance excess

What does insurance excess mean?

You agree to pay a fixed sum when you make a claim on your insurance policy. The insurance company will pay losses beyond that excess figure.

We tend to chose this option to reduce our insurance premium. Insurance companies like an excess as it puts you off claiming unless the sum involved is large. Excesses avoid small claims for broken lights and dented bumpers. Excesses save the insurance company money and expensive office work.

So everyone one is happy until a claim has to be made. When an insurance claim has to be made you need to know the score. Most people’s first thought after an accident is to contact their own insurance company. Yes your insurance company must be informed, but you do not need to make a claim. If you contact Your Key first we will deal with this notification for you.

Your Key says contacting us first on 08000 114 114 is the best course because:
• Our independent experts will assess if someone else is to blame and claim the expense and loss from their insurance company, and not from yours.
• Claiming on your own policy, even when someone else is to blame, can ruin your claims history.
• If you claim on your own policy you will have to pay out the excess.
• Your own insurance company may not chase the party to blame for their outlay.

You must understand the economics which sit behind this rather surprising position. Your insurance company is not your representative. It is an insurance company which has agreed to pay out in certain circumstances. Insurance companies like to keep admin costs to a minimum, so many do not like to chase other insurers for their outlay and your excess.

All legal expenses insurance policies are based on the ability to have legal costs paid by the party at fault if the claim succeeds, and the legal expenses insurance picks up those legal costs if the claim goes wrong. If there is no chance of the legal costs being paid by the other side then the legal expenses insurance will not support your claim. Legal cover insures the risk of you losing your claim rather than paying your legal costs outright.

So when can you recover legal costs?

If there is no injury, and the financial loss is below £5,000 your case falls into what is called the small claims category, and legal costs cannot be recovered from the party to blame.

If your injury is not worth £1,000 in compensation value, and the financial losses are worth less that £5,000, legal costs cannot be recovered.

If your injuries are worth more than £1,000, and the injury does not have to be too serious to be worth £1,000, then legal costs can be recovered from the party to blame if the claim for compensation is successful.

The Your Key legal cover is for any accident where an injury is suffered. We will help you recover compensation for the injury plus any financial losses, including your insurance excess.

We can suggest two alternatives where there is no injury, and the financial losses are worth less than £5,000. Both mean someone else handles the case for you, and this is important as it is best if you know the ropes.

Our first suggestion is to use credit repair for your vehicle. The credit repair company we use will assess what happened in the accident. If someone else is to blame the credit repair company will collect and repair your vehicle and send the bill direct to the insurer of the person who caused the accident. All the work is done by the credit repair company, and they will even inform your own insurer, and there is no need for you to pay your excess.

The second option is credit hire. If you have been involved in an accident, your vehicle is out of action, and there is no reasonable alternative available, then a credit hire company will hire a vehicle to you. Just like a credit repair company the bill will be presented to the insurer of the person who caused the accident.

Both repair and hire can be carried out on credit, and within recovery of the repair and hire costs your excess can be included.

Credit repair and credit hire have sometimes been given a bad name. Some credit companies have tended to allow hire to last too long, or to hire an unreasonably expensive vehicle. These problems have been overcome by agreements between the insurance and credit hire industries. Procedures and cost agreements are in place and for you that means a quick service and no need for you to pay anything, not even your excess.

Compare that to making a claim to your own insurance company when someone else is at fault. Yes your insurance company will sort out the repair, and might even arrange a courtesy vehicle, but you will pay out your excess. If your insurer does not chase the insurance company of the person to blame you are out of pocket, not once but twice. First you pay the excess, and because the insurer has paid out your claims record is damaged and your premium goes up. Not all insurance companies claim from other insurance companies, and even if they do they tend not to include your excess. That will not feel fair but it is a very regular problem. The reason is that most people call their own insurer after an accident, and they do what you have paid them to do, they repair or pay for the value of your vehicle.

To avoid these problems you must get independent help and support, and that is exactly why Your Key exists. Armed with the right advice you can deal with your problems without unnecessary cost and anxiety. This is the time to know the score, the time for independent accident advice and support from Your Key.

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I just want to claim my excess.

We are often asked how you go about recovering your insurance excess. It is tempting to take a bigger excess to keep our premiums down, and that works, but it can be a pain after an accident which is not your fault.

You must inform your own insurer about any accident whether you want to claim or not. Remember Your Key will do that for you if you contact us first and we handle your case.

If you have fully comprehensive insurance you might claim first on that policy for your vehicle damage and then seek to claim against the person to blame. You pay up your excess and your repair is done. This can be a mistake. The reason why recovering that excess is difficult is that if you are claiming for property damage alone, and the claim is below £5,000, the costs of using a solicitor to run your claim cannot be recovered from the other side when you win. It is an uneconomic case and falls outside most legal expenses insurance policies. Most policies we know of, including our own, do not cover the recovery of excess alone.

The other mistake is to think that because the accident was the fault of someone else your insurance record will not be damaged. You are wrong because if your insurer has made a payment your no claims record goes backwards.

The next mistake is to believe that when your insurance company pays for your repair they will get back the money from the person at fault, or their insurance company. Some insurers chase the person at fault, and some do not. It is pot luck what practice your insurance company follows, but it is your insurance claims record which will suffer. It is expensive to recover relatively small amounts, particularly when your premium can be increased next renewal.

The Your Key policy covers any accident in which there is an injury. If your injury is worth at least £1,000 then your legal costs will be paid by the party to blame, and within that case your excess and other losses can be recovered. It is just when you are claiming below £5,000 for property only losses that the no costs rule applies.

The best way to avoid chasing the excess yourself is if you use credit repair or credit hire. The credit repairer will agree to fix your vehicle and will recover payment direct from the insurer of the person to blame. Much better than having your own insurer do the job and make a mess of your insurance claims record. Credit hire is similar. The hirer decides if you have a good case, if you need the vehicle, and will then hire a vehicle to you. The hire will be paid by the insurance company of the person to blame. Within that case you can recover your repair costs plus any expenses or losses incurred.

Credit repair and credit hire are sometimes given a bad name. The rules are actually quite tight and the company we use operates within the agreements between the credit hire and insurance industry. The credit repair and credit hire companies that get it wrong tend to be too quick to hire expensive vehicles, allow the hire to drag on, and seek high rates of hire. It is not a surprise the insurance companies kick up and fight such cases. This type of company leaves you at risk. We take great care to ensure we work with legitimate companies which operate high industry standards.

Through credit repair and credit hire you have the services you need, and professionals will recover the excess and any other expenses for you.

If you cannot use credit repair or credit hire, and the property damage you seek is below £5,000 then please see our detailed guidance by clicking here.

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30th Carole Nash Bristol Classic Motorcycle Show.
We will be at the classic motorcycle show at Shepton Mallet on 20 and 21 February 2010. You can find us on the balcony, stand B57.
It will be great to see as many members as possible. Bring along anyone who needs a little persuasion to join.
See you soon.

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Paul called today with a knotty problem.

He planned two weeks in Italy by bike. His mechanic made a mess of the preparation for the trip, so very kindly offered his own bike. Paul knew he could rely on his own insurance for third party cover only. He had the sense to ask the mechanic to include him as a named rider on that policy, and £67 was charged for the 10 day trip.

When on those great roads on the Alps the rider in front braked harder and longer than expected, and Paul lost control. Result is that mechanic’s bike needs £2,000 spent on it.

The mechanic’s insurers are saying no to the claim, saying Paul should rely on his own policy. Paul’s own policy is third party only, so is no use. They have also suggested Paul chase the rider in front for compensation. Chasing the rider in front caused the problem in the first place.

Final problem is that the mechanic is hanging onto Paul’s bike until the insurance is sorted.

Paul did the right thing by making sure he had full cover when riding a bike lent to him. The insurer is doing what insurers do, they look for reasons why they should not pay.

Ever been in this position - let us have the story, and the result.

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We are often asked if the free legal expenses insurance is the same as products sold as legal cover, legal protection, or an uninsured loss recovery service. These services are often included in a policy. To help there are a few basics to understand:

• You buy vehicle insurance to cover your liability to others - third party cover.
• You might add other risks to the policy, like your bike and clothing.
• If there is no one to blame for an accident your insurer will pay for items you have insured at their market value.
• If someone is to blame then the accident is not really any business of your own insurer - you should claim everything direct from the person to blame.

Legal cover is designed to allow you to recover for loss and injury from the person to blame, usually their insurance company, without worrying about legal fees. The legal cover will pick up the tab if the legal case goes wrong, but only if it goes wrong. If the legal action is successful then the person to blame pays your legal bill. Now this is where you have to concentrate.

Legal costs will be paid by the person to blame if the injury you suffered is worth more than £1,000, and if there is no injury, where the market value of all items damaged is more than £5,000. Most legal cover will only support a case where legal costs can be recovered, and the same goes for uninsured loss recovery services. You will find exceptions which exclude cases where the legal cost of recovering a loss is greater than the loss. That means you will not get support if running a case for you is uneconomic.

None of this is surprising, as all insurance is based on economics, but when you are sold legal cover or an uninsured loss recovery service, you will be promised the earth. Do look closely at the terms. We think it unlikely you will be buying any more cover than you receive free from YourKey.

YourKey helps members bring small claims, and to see our recommendations please click here.

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If you have been in an accident caused by someone else, and the consequences are not great, you may find yourself in a frustrating position.

We are talking about a case which the law calls a small claim. If there is not an injury worth £1,000, and the financial loss is below £5,000, you are in small claims territory. The classic situation is where your vehicle is damaged, and you have to pay for its repair, or you have paid your own excess. If your case falls into this category your legal costs cannot be recovered from the party at fault. All legal cover policies we know of cannot provide assistance in such a situation, simply because it is uneconomic to do so.

Another frustration is that your own insurer will not chase the insurer of the person to blame. So lets say you have fully comprehensive insurance, someone knocks over and damages your bike which is legally parked. You claim on your own policy, and have to pay the excess to the repairer. Most people think their own insurer will recover the cost from the party to blame. It might surprise you, but most insurers are not interested. Their job is to insure you, not represent you.

The insurance companies used to operate a knock for knock agreement. They recognised the swings and roundabouts of accidents and blame, they knew it was expensive to chase one another for repayment of their expense, so agreed to swallow their own losses. This agreement was kicked into touch some years ago, but some still operate along the same lines. So in the example above, where the accident is clearly the fault of someone else, both you and your insurance company have paid out, and your premium will go up next year.

So, what are your options?

If YourKey has arranged repair or hire you have a process within which your own expenses can be recovered. The benefit of credit hire in such a situation is that the paying insurer wants to keep the cost down, so will try to ensure repair is quick, and the hire period short. In this case the expense is recovered direct from the insurer of the person to blame, leaving your insurance record and wallet intact.

If we do not arrange hire or repair, then you have to recover the cost yourself, and here is how to do it.

Do not try to recover losses by telephone. The insurer will have a process, and telephoning does not short circuit the process, as you talk to a call centre rather than the person assigned the file. Write a letter, keep a copy, and although formal, you are much more likely to get a reply this way. Check the website of the insurer you are writing to for a fax number.

We recommend writing to the person you hold responsible, and their insurer at the same time. You will need to change the wording of the letter below to suit your situation. It is designed for writing to the person at fault only, but do send a copy for the insurance company.

To

Defendant (name and address of person you hold responsible)

Dear Sir or Madam,

Re: Claimant’s full name (that’s you)

Claimant’s full address
I wish to claim damages in connection with a road traffic accident on (date) at (place of accident which must be sufficiently detailed to establish location)

Please confirm the identity of your insurers. Please note that the insurers will need to see this letter as soon as possible and it may affect your insurance cover and/or the conduct of any subsequent legal proceedings if you do not send this letter to them.

The circumstances of the accident are:-

(brief outline)

The reason I am alleging fault is:

(simple explanation e.g. pulled out from minor to major road without looking, driving too fast)

The accident was reported to the police by (myself or name). I will obtain a copy of the police report if you do not accept what I say and agree you are wholly at fault. I will let you have a copy of the same upon your undertaking to meet half the fee.

My vehicle (manufacturer, model, and registration) needs repair. The vehicle is currently at (and is incurring storage charges). I would like to give you the opportunity to inspect my vehicle and put forward your own proposal as to the work required and the method of repair. If you do not wish to take up this offer I will arrange for the repairs myself, and send the invoice to you for payment.

In the accident the following articles were damaged:

(detailed description, date of purchase and price - remember you are only entitled to cost of repair or value at time of accident).

A copy of this letter is attached for you to send to your insurers.

Finally I expect an acknowledgment of this letter within 21 days by yourself or your insurers.

Yours faithfully

We help many members with this type of claim. We have also advised on making a County Court claim which is your next step if the letter does not work. The process is not difficult, it does not require a solicitor, but it does require a little time and determination. Don’t be fobbed off, and use the letter rather than the phone so the insurer sees you know what you are doing.

There is encouragement from the Guardian consumer rights man who brought a small claim against Carphone Warehouse.

There is some very useful guidance on the Government website by clicking here.

Let us know how you get on, and share your experience to help other members.

Good luck.

Posted in insurance advice, key can help, legal rights, questions to yourkey | 1 Comment »

One of the most regular questions from members is this:

I have fully comprehensive insurance. I was involved in an accident which was the fault of another driver. My own insurance company paid for my repairs. When my policy was up for renewal my premium was increased. That is exactly the result we would expect, and we will explain.

By law you must have third party insurance on a vehicle. Third party cover is for the damage you do through your own fault. You might then add to the cover by including fire and theft, and beyond that fully comprehensive insurance.

Fully comprehensive is not really fully comprehensive. All you are doing is insuring the vehicle and specified possessions to the policy in case they are damaged, regardless of fault. If you damage your own vehicle the insurer will pay to repair it, and if written off you will be paid the market value of the vehicle at that time. That is the market value at the time of the accident, and not the amount you insured it for.

Now when the damage to your vehicle is the fault of someone else our advice is to use YourKey and go direct to that person’s insurance company. Claiming on your own policy is fine, but your own insurer has no incentive to chase the insurance company of the person at fault. Some do, and some don’t, but if they have paid out money, and got nothing back, your insurance will increase in price next year.

Our advice, where another driver caused the accident, is to recover direct from the person to blame, and their insurer. The benefit is that you leave your own insurance record intact. We will inform your own insurer, and certainly you must include it when you renew, but if they have not paid a claim your premium should not go up at renewal.

How to recover your losses.

If you need repairs or a replacement vehicle YourKey will handle that for you. If someone else is to blame we will recover the cost of these services direct from that person’s insurance company.

If you were injured in the accident the YourKey scheme will arrange hire and repair, plus legal action. We will arrange a solicitor for you to act under your legal expenses insurance policy we gave you. That means you do not have to worry about legal fees, and you will receive 100% of your compensation. So everything you need is dealt with in one case.

The difficulty is when you have no injury, and your losses are small. The YourKey policy is for personal injuries caused by accidents. Without injury, and where we do not arrange repair and a replacement vehicle, the position can be difficult. This is because with losses below £5,000, legal costs cannot be recovered. You would not use a solicitor in such a case, as the costs would wipe out the value of the case.

The answer, and one which has worked for other members, is this:

1.       Make sure you have details of the person who is at fault, their insurance company and policy number.

2.       Write to that person, and send a copy to their insurance company.

3.       If you do not have insurance details remind the other person they must supply their own name and address, and details of their insurance cover.

4.       Your letter sets out what happened, why you hold the other person to blame, and the losses you have incurred. Always write, the alternative being the frustration of the call centre. You will be bounced from one person to the next. There is no advantage to them in dealing with your claim quickly, as they have many other cases on the go, and you have to make yours a priority. There are exceptions, but the feedback from our members is frustration.

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You have just insured your bike or car online, but to get out on the road you must tax it. Not all insurers send out paper certificates, and those that do can take a week or more. So how do you do tax a vehicle without a certificate of insurance?

The insurance system is slowly moving over to electronic certificates, but they are not telling you.

When you buy insurance your insurance company will make an entry on a national insurance database, called the Motor Insurer’s Database, or MID. The MID is used by the police to check if a vehicle is insured. The MID can be checked by staff at the Post Office counter, or when you buy your tax online with the DVLA. You will need the 16 digit number from the tax renewal reminder, or the 11 digit vehicle identification number, plus the vehicle’s registration number. If the vehicle has an MOT certificate that should also be on a central electronic record.

So not having an insurance certificate is not a problem, but why doesn’t someone tell you that. Let us know how you get on.

Tags: certificate, DVLA, insurance, MID, vehicle tax renewal
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The legal cover which is free from YourKey covers you and family members for any accident - that means any vehicle.

Of course you have to insure each vehicle, but it is worth checking the cost of insuring them together. It makes sense because you cannot be riding your bike and driving your car at the same time.

We suggest you try www.primo.plc, www.admiral.co.uk or www.performancedirect.co.uk.

Please let us know how you get on, and we will share that information with our members.

Tags: insure all my vehicles, multi car insurance
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“Legal expenses insurance is described by the FSA on its Money Made Clear site. This is what it says:

This is a way of protecting yourself against some of the costs involved when funding a legal dispute, which can be very expensive. The cover often provides for legal advice helplines, as well as the costs of appointing solicitors, expert witnesses and representation if the claim goes to court.

It can be bought with some insurance policies. For example, some companies selling motor and household contents insurance may include this cover as a free add-on, while others give you the option to attach the cover for an additional premium.

If you’ve decided you want this type of cover, check your motor or household contents insurance policies - you may already have this cover written into your insurance.

You should also check your insurance policy documents carefully to make sure you understand what you are covered for, the level of cover and any limitations that apply. For example, in most circumstances you may not be able to choose which lawyer is instructed - the insurance company usually appoints a lawyer to act for you.

Also this type of cover normally allows the insurer to withhold or withdraw funding if there isn’t a ‘reasonable prospect of success’, which is usually interpreted to mean that you have a 51% or better chance of winning or defending your case.”

The page can be viewed by clicking here.

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Please beware of monthly repayment.

It can look attractive, and yes it is helpful to spread the cost, but you are bound to pay more. The interest rate is often high when compared with the cost of a personal loan from your bank.

There is an interesting piece about car insurance at totallymotor.co.uk.

Their study concludes the average interest charge is 23.8 per cent. And then you are sold another type of insurance called payment protection, in case you cannot make the payments.

We keep saying the same thing. You spend hours finding the cheapest policy, but then you go and blow it on the add ons. At least you aren’t buying legal protection any more - why - because you have it free from Your Key.

Time to do your sums.

Good luck from the team at Your Key

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The first, of course, is to remember not to buy legal cover on any of your vehicles in the family group we cover, as you have that cover free with YourKey.

Following the self promotion, think on these:

The following tips may reduce the cost of your motorcycle insurance:

Having an approved alarm or immobiliser fitted to your motorcycle might help to reduce the premium (With Comprehensive and Third Party, Fire & Theft cover.)
Park your motorcycle in a locked garage or secure, off-street location overnight (With Comprehensive and Third Party, Fire and Theft cover.)

If you do less than 3000 miles per annum, some insurance companies will offer you a reduced premium.
Reduced motorcycle premium with seasonal cover - UK only. So if you don’t use your bike in the winter months you can reduce your premium by only paying for accidental damage and/or Fire and Theft.

Start building your No Claims Bonus as soon as possible. In the long run, this will have a significant impact on your ability to get cheaper motorcycle insurance.

Having an approved alarm or immobiliser fitted to your motorcycle might help to reduce the premium (With Comprehensive and Third Party, Fire & Theft cover.)

Avoid adding modifications to your motorcycle.

If your motorcycle is not of a high market value, it may be cost-effective to have Third-Party, Fire and Theft insurance instead of Comprehensive cover

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You know when you are buying insurance, you are  always sold legal protection or legal cover. It adds up to £25 to the policy, and most people buy it. You are not sure what it is, but it sounds like a good idea. It is sold on every policy you buy, and it adds up.

Your Key offers an alternative. Free legal protection.

So where is the catch? There is no catch, free means free.

Your Key will receive commission if we arrange hire or repair for you after an accident. This is the same commission as your insurance company or broker will earn. The difference is that our legal protection is free.  That looks like a good bargain to us, and we hope you agree.

Our one policy covers any accident, and therefore any vehicle, and we renew it automatically each year. You do not need to buy legal protection again.

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You get an insurance quote, but when you try to buy the policy you are offered a list of extras.

The trouble with insurance is that we are all forced to buy on price. We think every policy and insurance is the same, so we want the chepest. Remember that the basic insurance you buy is designed to cover your liability to others, and not necessarily protect you. Some of the extras are useful, but they quickly increase the cost.

One way to save is not to buy legal expenses insurance, legal cover, or legal protection. You can have it without cost using the Your Key accident support service. Just visit the join now page, fill in a few details, ant the cover is yours.

Our business model is based on us being your first call after an accident. We can arrange the services you need, like hire and repair, and for that we can earn commission. That is how our legal cover can be given to you free.

That is a good deal, and a good way to keep down your insurance premium.

Tags: cheap insurance, insurance addons, legal cover, legal expenses insurance, legal protection
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Breakdown insurance covers a variety of vehicles, including cars, vans and motorbikes, and typically provides services such as roadside assistance, loan vehicles/alternative transport for where you need to go, and can help pay for or subsidise overnight accommodation near the vicinity of your breakdown or your intended destination. Basic roadside assistance will usually take place anywhere on the road in the UK outside a quarter mile radius of your home - additional cover providing support and assistance should you break down on your driveway can usually be added to a policy for a small additional fee.
Breakdown insurance is typically split into two different policies providing either vehicle cover or driver cover. Vehicle cover protects the vehicle itself as opposed to the driver, so repairs can be made regardless of who was at the wheel in the event of an accident. Personal cover is useful for drivers with multiple vehicles - if for example, you drive a van for work and a car for personal journeys, then a personal cover plan will ensure you for any of your vehicles which you are driving.

Your Key recommends you buy breakdown insurance. Your Key is an accident support service, not breakdown, so breakdown cover is important. Do weigh up the options taking account of your vehicles and likely drivers. Do not just take the vehicle insurer’s offer as that may not cover you, your vehicles, and the likely drivers.

Mark for Your Key

Tags: breakdown, breakdown cover, breakdown insurance, roadside assistance
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Arranging insurance online has many advantages, but some complications.

Make sure you have all the details you will be asked to provide, and make sure you get them right. Your insurance policy is based on the details you provide, and if they are wrong your insurer may not pay up.

Amongst other details the insurer will need your driving licence number, details of convictions in the last five years, your insurance claims history, and an understanding of how the vehicle is to be used.

When you buy online be sure you know how the policy is to be delivered to you. So often the email confirming a policy does not reach you. If you are in a hurry, and we all leave things to the last minute, make sure you read the small print so you know what to expect.

Check your email account to see if your security has stopped the insurer’s email. Is it in spam or junk. A useful tip is to search your email account using the registration number of the vehicle you insured. That usually does the trick. If you are to be sent a certificate by post, it may not arrive next day.  Five working days is not unreasonable.

If you need to raise questions with the insurer you should not rely on email. Your details are often sent to you by an unmanned computer sending emails from a “noreply” address. Replying to such an address will not receive an answer. Use the phone or write a letter, and keep a record.

Insuring online can be good value, but it needs time, organisation, and patience. You also need to understand the advantages to the insurer. They save by computerising their systems, they use less staff and office facilities, so they save money.

Let us know about your experience.

Mark for Your Key

Image:www.freeimages.co.uk

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The question to ask is why pay for it?

Often bought when insuring a vehicle, legal expenses insurance can be very helpful. In the event of an accident which is the fault of someone else, you can seek compensation without fear of legal fees. Your legal expenses insurance picks up the tab for you.

The trouble with legal expenses insurance is the way it is sold. It is usually an added extra to vehicle insurance, and its use is limited to that single vehicle. Many people and families have more than one vehicle.

Your Key has the solution through its free accident legal expenses insurance policy which covers you, your spouse or partner, children up to the age of 21 years living with you, plus pillions and passengers. By offering this one policy which covers any accident, it is the only accident legal expenses insurance policy you need.

Mark for Your Key

Image:www.freeimages.co.uk

Tags: legal cover, legal expenses insurance, legal protection
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