….For answers click on the questions
Why are you offering this membership to me?
You joined as a valued customer of another organization which recognised the benefits of our service and arranged for you to join.
How long does membership last and must I renew?
The membership and insurance are renewed annually without any paperwork or formality. Just keep your cards and we will be ready to help.
Many of our members join through our business partners, but you are very welcome to join without charge. Just go to the membership page, complete your details, and you will receive an email to confirm your membership. You are very welcome, and it will only take a minute or two.
I already have legal expenses insurance, why use Your Key?
We believe we provide exactly what you need within a policy with a generous indemnity level of £100,000. When you next arrange or renew an insurance policy there is no need to buy accident legal expenses insurance as it is available through Your Key at no cost.
Should I have a membership card?
Not all members received cards. With or without a card your membership, including legal expenses insurance cover, started as soon as you were introduced to us. In the meantime keep our number by saving it on your mobile under “accident” and call if you need us-08000 114 114.
Why do I need legal expenses insurance?
If you want to recover all losses and expenses after an accident, you have to seek compensation. You need an experienced solicitor and no fear of fees. The insurance together with a good solicitor is the combination you need.
Yes, the family members included are your spouse or partner, and children living with you up to the age of 21 years.
Yes, the legal expenses insurance includes vehicle passengers and pillion riders too.
Just let us know your membership number and new contact details. Please visit the details page, or follow this link and enter your email address to access the details form.
Don’t worry - we have your name and address, so do not hesitate to call 08000 114 114 if you need us. Another good reason to save our number on your mobile phone.
Hire and credit hire, what is the difference?
Hire is a transaction where you pay for a vehicle at a daily or weekly rate. Following an accident credit hire may be available if the hiring company think you will successfully recover compensation. You then hire the vehicle under a credit agreement making no payment at that stage, and the hirer will usually be paid direct by the third party’s insurance company. For hire you pay up front, and for credit hire someone else usually pays.
It works very much like credit hire. The repairer will assess the accident circumstances, take on the work under a credit agreement with you, and then seek payment direct from the third party insurer.
I already have breakdown cover or roadside repair, is this the same as Your Key?
No. Breakdown cover is for mechanical problems with your vehicle. Your Key is here to help after an accident. They are quite different services.
After an accident your vehicle may be too badly damaged to be moved, or you may be unable to ride or drive it. A recovery service will collect the vehicle and take it to the nearest storage facility, or to a repairer of your choice. Sometimes the police will arrange recovery. You may have the service included in your insurance policy. We will check what is the best option for you. This is a Your Key service you will have to pay for, but you can recover this cost if a third party is to blame for your accident. You or your insurer will have to bear the cost if the accident was your fault.
Please use the contact us facility by clicking here.
Alternatively please comment below. We will anonymise any exchange of general interest, and make it available to all members.
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July 4th, 2008 at 6:06 pm
It is becoming clear to us at Your Key that insuring vehicles is very confusing. Loads of information and advice, but too much. You must understand that insuring a vehicle is designed to cover your liability to others, and not protect you. If you want to insure your vehicle, your kit, or to have a courtesy vehicle, you have to buy extra cover, just like you buy breakdown cover.
Your Key is designed to support you through advice and the services it makes available. That is why Your Key is important to you.
Take your time when insuring, do not just buy the cheapest cover, and remember we provide legal cover free to our members, so don’t go buying it again on any of your vehicles.
Mark for Your Key
July 5th, 2008 at 11:08 am
Hi I would just like to make 100% sure that by having your legal cover I am covered just the same as if I purchased a policy from my insurer this may be a daft question to ask you may have asked this many times but I would just like to satisfy my self
Thank you for a great service Neil o
July 5th, 2008 at 5:45 pm
Thanks for the question Neil.
The short answer is that our insurance cover is as good, and I would say better than the policies you are offered by insurers and brokers. They sell you one policy for each vehicle which I don’t think is fair. We have members with three bikes and two cars who were paying out more than £100 each year for this legal cover. Our policy is free this year, and every year after that.
Our policy has a generous limit of £100,000, and it covers any accident so it is the only policy you need. The policies you buy are usually limited to one vehicle, but it is you who needs legal cover, not your bike. Our policy covers pillions, passengers, and your family members, which means spouse/partner and children living at home up to the age of 21.
So you do not need to buy accident legal expenses insurance again, as we renew it each year without any admin or fuss.
You are right to check on the quality of something which is free. What we have done is bring together the services which might be needed after an accident, such as hire and repair, and if those services are used we earn commission. Who pays for those services depends on who is at fault, and you have our guidance and the legal cover to help answer that question.
Thanks again for the question.
Mark Thompson for Your Key
July 15th, 2008 at 2:44 pm
I just wanted to check how long my membership and the insurance lasts.
Hi Darren.
Membership and the legal cover from Your Key are renewed each year without any formality or cost. Just keep our number on your phone under accident - 08000 114 114 - and remember there is no need to buy legal cover on any vehicle you insure in the future. We cover any accident, so cover is not limited to one vehicle.
Our cover includes your family so covers your spouse/partner, and children living at home up to the age of 21 years. They do not need to buy legal cover on their vehicles as Your Key covers them too.
Do remember we are accident support, and not breakdown, so use the saving to buy breakdown cover.
If your details change please make sure you keep us up to date by using the change details facility on this site.
Take care.
Mark for Your Key
July 17th, 2008 at 8:40 pm
Query - Hello. I forgot I had this policy. Does this still exist or was it only valid for one year?
Also, my bike insurance is with ebikeinsureance but my car insurance is with HIC
(Herts insurance consultants) do you cover me for that (so I could cancel my legal
cover on that policy but still be covered by you?). I’m a bit baffled by it all, it seems to good to be true for a freebie! Thanks.
July 17th, 2008 at 8:45 pm
Hi Graeme,
Thanks for your message.
You have hit the nail on the head, as the fact we make no charge means we are not always taken seriously.
You have a legal expenses insurance policy which covers any accident, so yes you have cover for whatever you are doing, so there is no need to buy this legal cover when insuring any vehicle.
We can do this by creating a comprehensive service, and not just selling a policy. Membership of Your Key and its insurance are free, and in the event of an accident we arrange the services you need. Who pays for those services depends on who is to blame for the accident, but you have us to guide you. We earn commission from those services, but we do not add to the expense.
Do remember the cover extends to spouse/partner and children living with you under 21 years of age.
And finally your pillions and passengers are included within the cover.
We renew it each year without cost, and no renewal formalities, so make sure we have your up to date details.
Good luck getting that refund.
Regards
Mark for Your Key
July 25th, 2008 at 8:16 pm
Hi there
Sorry but I am also very confused. When you have Legal Cover, are you covered for both non-fault and fault accidents? Or is it only for non -fault and when a fault accident occurs, legal is there to guide you through only and you have to pay for vehicle hire/repairs and then recover the cost through your own insurer?
Sorry if it seems silly but can you also say if I can use this policy with my other vehicle being a car?
Thanks
Hi Alexandra,
No need to say sorry as insurance can be very confusing.
Legal cover is an insurance policy which allows you to seek compensation if an accident is the fault of someone else. It supports a legal case with a reasonable chance of success, and if that action fails the policy picks up the legal bill.
Legal cover cannot help you if the accident is your fault I am afraid.
Payment for services after an accident depends on fault. If you are at fault then you or your insurer pay, but if someone else is at fault we can arrange for hire and repair to be paid direct by that person’s insurers. You have to pay for hire, but can reclaim it where someone else is at fault. Sometimes deciding who is at fault is not clear so we use experienced partners who understand bikes, and this can make all the difference.
Our one policy covers all accidents, so it covers everything you do, and is not limited to a single vehicle. You are covered in your car, as you would be on your bike, and even a bicycle. Many Your Key members used to pay legal cover premiums on each of their vehicles. It is no longer necessary.
What Your Key does is give you a policy you usually pay for. By using the commissions available from arranging services we can cover the cost of the insurance premium. We do not increase the post accident cost in any way, we simply bring the services together. The policy is free to you, you get our independent advice, and we conveniently line up the services you need. Better than paying a legal cover premium on each vehicle and searching the phone book for help. The highest figure I have heard for legal cover on a bike is £40. That is just outrageous, and I would like to hear about premiums requested for legal cover.
Mark for Your Key
August 14th, 2008 at 7:16 pm
Do you only cover the legal expenses associated with an accident such as hire or repair? Or do you also provide legal expenses cover (in an accident not my fault) for uninsured losses such as compensation for injury/death, compensation for damage to personal belongings, policy excess payments, etc.?
Thanks for your question Hilary.
Our free insurance will cover the legal cost of seeking compensation if an accident is the fault of someone else. It supports a compensation case judged to have a reasonable chance of success. You can be compensated for injury, earnings loss, vehicle repairs and hire, expenses, damaged articles, and yes policy excess. Any loss caused by the accident can be recovered.
We arrange the services necessary after an accident. Payment for these again depends on fault.
Your question raises an interesting point. Many people think that buying insurance gives them everything they need. The main purpose of insurance is to cover your liability to others, rather than help you. That is why accident support through Your Key is so necessary.
Thanks again.
Mark for Your Key
September 27th, 2008 at 1:53 pm
Do you operate a similar scheme to cover cars?
David, the answer is that Your Key covers any accident, invloving you or a family member, no matter what you are doing. So Your Key is not limited to your bike.
Yes, we can arrange recovery, hire and repair for cars, and just about any vehicle.
So when you insure any vehicle do not buy legal protection, as you already have it with us.
October 17th, 2008 at 8:59 am
Are there any limitations or restrictions regarding Eurpoean travel?
What about the complicated insurances when hiring abroad?
Thanks Peter. The legal expenses insurance and the Your Key service is designed for the United Kingdom. The insurance excludes the Isle of Man, but the after accident services are available there.
Offering a Europe wide assistance is part of our plans, but not yet I am afraid.
It is a good point to think about your own insurance when travelling abroad, and we would be interested in hearing members opinions and experieneces.
Thanks again.
Mark for Your Key
October 20th, 2008 at 6:53 am
What if two members involved in an accident how do you fight for both parties?
Thanks Eileen.
Lets say you and I have an accident on a narrow country road. We might both be at fault, and lets say the blame is 50:50. Your claim against me is handled by my insurance company, and my claim against you is dealt with by your insurer. Your Key have provided you with legal cover, which means that insurance will pick up the tab for your legal fees if your claim goes wrong. The insurer behind our policy will need to be satisfied your case has a reasonable prospect of success, so the insuramce could support both your case and mine, as each case has a reasonable prospect of success. We could ensure you each had different solicitors, and that would avoid any conflict of interest.
Thanks for your question.
Mark for the Your Key team.