FAQs

Your Key accident and legal support

Frequently asked questions and answers are up to date, but comments below dated before May 2013 are out of date so far as legal cover is concerned.

Please note that the United Kingdom is not one legal jurisdiction. Legal cover is more complicated in England and Wales. If there is a specific point for Scottish members of Your Key we show that in blue.

What is Your Key?

Why was Your Key membership offerd to me?

How long does membership last and must I renew?

How can legal cover be free?

How can I join Your Key?

Your Key sent me a USERNAME and PASSWORD to login. Why?

I already have legal expenses insurance, why use Your Key?

Should I have a membership card?

Why do I need legal expenses insurance?

Is my family covered?

Anyone else covered?

Why are there two numbers to call after an accident – 08000 114114 and 0330 0225210?

What if I change my address?

What if I lose my card?

Hire and credit hire, what is the difference?

What is credit repair?

I already have breakdown cover or roadside repair, is this the same as Your Key?

What is vehicle recovery?

Why has Your Key changed the insurance it offers?

Any other questions?

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What is Your Key?

Your Key is an after-accident support club for you and your family. Your Key arranges the services you will need after an accident, and arranges for you can recover for injury and loss when someone else is to blame. We can help after any accident and this includes your family, plus pillion riders and passengers.

 

Why was Your Key membership offered to me?

You joined either directly through our website or as a valued customer of another organization which recognised the benefits of our service and arranged for you to join. Your Key is an accident support service for its members. Once you have joined Your Key there is no need to renew your membership, and no need to buy over-priced legal cover when you insure your vehicles.

 

How long does membership last and must I renew?

There is no charge for Your Key membership so there is no need for annual renewal. Once a member of Your Key always a member of Your Key. Just keep our telephone number and your cards and we will be ready to help. It does not matter how many vehicles you have or who you insure with, as our membership is for you and not your vehicles. Your Key will help with any accident or injury, and it does not matter what you are driving or what you are doing.

 

Do I need to buy legal cover?

We used to arrange free legal cover, but this is no longer available. The law has changed and new rules about costs limit the benefit of legal cover, so we continue to say that buying legal cover with each vehicle uou insure is a waste of your money. For accidents in Scotland we will arrange for you to receive 100 per cent of the compensation without the risk of paying legal costs.

 

How can I join Your Key?

It’s simple, just go to the Join Now page, complete a few details, and you will receive an email to confirm your membership. We ask you to create an account to protect your personal details. You are very welcome, there is no charge, and it will only take a minute or two.

 

Your Key sent me a USERNAME and PASSWORD to login. Why?

Your Key holds your contact details We want you to be able to keep those details up to date, and to be sure the details are kept safe. Look at the top right of the website and use the Login button. Check and update your details, which are kept private as only you can access the information with your username and password. You can change the password if you like to be sure your details are secure. When finished save and use the same button to logout.

 

I already have legal expenses insurance, why use Your Key?

We believe we provide exactly what you need. When you next arrange or renew an insurance policy there is no need to buy accident legal expenses insurance as it is of limited benefit. You are sold legal cover with every vehicle you insure. This is not right or fair, as the benefit of this insurance is over sold.

 

Should I have a membership card?

Not all members have Your Key cards. With or without a card your membership started as soon as you became a member. You can ask us to send you key ring cards by using the Request Your Key card on the right side of this page. In the meantime keep our numbers by saving it on your mobile under “accident” and call if you need us-08000 114 114 or 0330 0225210.

An extra benefit of carrying our card is that people do call us when keys are found. We did not set out to be a key return service but are more than happy to put you in touch with the finder. This is another good reason to ensure your details are up to date.

 

Why do I need legal expenses insurance?

If you want to recover compensation including all losses and expenses after an accident, you have to seek compensation. You need an experienced solicitor first and foremost. You must understand your liability to pay legal costs, and in the minority of cases where legal expenses insurance is necessary you can pay the premium from your compensation. For accidents in Scotland you do not need legal expenses insurance.

 

Is my family included?

Yes, we can help any member of your family.

 

Anyone else included?

Yes, we can help your vehicle passengers and pillion rider.

 

Why are there two numbers to call after an accident – 08000 114114 and 0330 0225210?

Our 0800 number was intended to allow you to call free. Trouble is with different call packages we cannot be sure what you are being charged. An 0330 number costs the same to call as a land line. The 0330 number is usually much cheaper from mobile phones.

 

What if I change my address?

Please login with your username and password and keep your details up to date.

 

What if I lose my card?

Don’t worry as we will happily replace it. If you cannot find your membership number do not worry as we have your name and address, so do not hesitate to call 08000 114 114 or 0330 0225210 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 hire company think you will successfully recover compensation. You then hire the vehicle under a credit agreement, and the hirer will usually be paid direct by the third party’s insurance company. We can handle motorcycle credit hire, car credit hire, van credit hire, in fact almost any vehicle. For hire you pay up front, and for credit hire the party who caused the accident usually pays direct so you are not out of pocket. The most important thing is to use a reputable credit hire company. Let us use our experience to make that decision for you.

 

What is credit repair?

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.

 

What is vehicle recovery?

After an accident your vehicle may be too badly damaged to be moved. The police usually arrange for the vehicle to be removed and stored locally. If this is not available we can arrange recovery for you. A recovery service will collect the vehicle and take it to the nearest storage facility, or to a repairer of your choice.  You may already have the service included in your insurance policy. We will check what is the best option for you.

 

Why has Your Key changed the insurance it offers?

For the period up to 30 April 2013 we found a way of providing the same cover as before, and still at no cost to you.  For a detailed explanation please click here. For the position from 1 May 2013 please click here.

 

THE SMALL PRINT – IMPORTANT

 

We are talking about legal legal expenses insurance for cases involving accidents or industrial disease. Policies sold alongside motor insurance are usually limited to the use of that one vehicle, so you will be sold a policy with each vehicle you insure. You can buy a broader type of legal expenses insurance to cover legal issues beyond compensation for injury in a road accident. When telling you not to buy legal cover when you insure your vehicles we are talking about the legal expenses insurance sold with motor vehicle insurance, not this broader type of legal expenses insurance policy.

The support of your legal expenses insurer always depends on two things:
• Your case must have a good chance of success.
• It must be possible to recover legal fees from the other side, which excludes cases where the injury is worth less than £1,000 or there is no injury and the value of the case is below £10,000. The rules for accidents in Scotland are more straightforward.

These restrictions are typical of legal expenses insurance policies, whether arranged before or after a legal action is necessary. These policies are intended to pay up if your legal case goes wrong, and they are not intended to pay legal fees in every case. This means legal expenses insurance will not cover a compensation case where the injury has a value below £1,000, or if there is no injury and the value of the case does not exceed £10,000, as legal costs cannot be recovered from the other side when your case succeeds. We say this is typical as we have not seen a policy which works in any other way. The rules for accidents in Scotland are more straightforward.

A replacement vehicle can only be arranged when there is someone else to blame, and that person has the financial means or insurance in place to pay the cost direct.

Repair of your vehicle is possible only when someone else is to blame for the accident, and they have the financial means or insurance in place to pay the cost direct.

Recovery can be arranged if your vehicle is in need of repair and our service partners agree to arrange for the repair. If the accident is your fault, or there is noone to blame, then you will have to pay for recovery or rely on your own insurance cover.

 

Any other questions?

You can call 0845 6809834 or use the contact us facility by clicking here.

Alternatively please comment below so all Your Key members can benefit from your experience. We will anonymise any exchange of general interest, and make it available to all members.

Please note that comments below dated before 1 May 2013 and which refer to legal cover arrangements are now out of date. Please click here for an position before 1 May 2013, and for the position after 30 April 2013 please click here.