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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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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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

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Tags: legal cover, legal expenses insurance, legal protection
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