Welcome to Your Key
Thanks for joining, either directly through our site or with one of our business partners.
You were promised free legal expenses insurance, and here it is as part of Your Key membership. We say again there is no cost to you for insurance or membership, and we hold no bank or credit card details.It does not matter if you have a motorcycle, a car, or took insurance elsewhere, obtaining a quote is enough. You will see the legal expenses insurance is not limited to motorcycle use, as it covers any accident, and includes cover for family* members, pillions and passengers.
We have created a convenient service which brings together everything you need after an accident, plus legal cover so you can fight your corner. Simply call 08000 114 114 or 0330 022 5210 in the event of an accident to access our services - please save it on your mobile now.
Your Key benefits and services in a nutshell:
Your membership of Your Key and the insurance are renewed automatically each year, allowing you ongoing benefits and a saving when you arrange insurance on any vehicle. Not only does your insurance cover extend to your family and passengers, it also covers any accident -at work, in a public place, playing sport, and on the road.
Accident legal expenses insurance provides cover for the legal costs of bringing a compensation case after an accident. You know when you are insuring a vehicle you are always offered legal cover or legal protection for £25 or so. Through Your Key membership you do not need to buy accident legal expenses insurance again. We will renew it annually without cost to you, so make a £s saving on each vehicle premium every year.
We are able to provide the insurance at no cost to you, as we earn commission if any of our post accident services are used by members.
Click here to download your policy documents if you did not use the button at the top of the page, and don’t forget, save 08000 114 114 or 0330 022 5210 on all phones in your family group under “accident.”
Important Information
Why have you and your family got this Legal Expense Insurance policy?
A Legal Expenses Insurance policy is both of value and use. It means that you can seek compensation after an accident without cost or risk if you or a family member are unfortunate enough to be involved in an accident.
From the information you have given to us we have identified that you and your family could benefit from a contract of free legal expenses insurance. We only select insurance from Lamp Insurance Company Limited for this type of insurance. We are not bound to consider the whole of the market. We have identified your demands and needs in respect of this insurance to be free legal expenses insurance to cover the legal expenses following accidents. This policy meets these demands and needs. Your Key does not receive any commission for arranging this policy.
If your accident occurs in Scotland, N Ireland or the Channel Islands your policy covers you, but there will be options available which will be explained to you by the specialist lawyers in those areas.
*Family means your spouse or partner, and children under the age of 21 years who live with you.
** The cost of recovery, hire and repair can be recovered if someone else was responsible for the accident. You will be asked to pay for recovery and should be reimbursed through a successful compensation case, supported by your free legal expenses insurance. If the accident was your fault then you or your insurer will have to bear the cost. Whichever is the case we will guide you, and ensure you obtain a competitive price through our business partners.
If you have a question please call 0845 6809834.
Your Key is a trading style utilised by Mark Thompson Law.
For more information please contact Mark Thompson Law of 1 Emperor Way, Exeter Business Park, Exeter, EX1 3QS, a Solicitor practice regulated by the Solicitors Regulation Authority. Telephone 01392 314086 and www.markthompsonlaw.com.
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July 21st, 2008 at 7:07 pm
I received an e-mail from you dated 21st July 2008 with a policy number. I’m sorry but I don’t understand. I took insurance out for my moped with another insurance company, where did you come in?
It is so easy to miss the offer of free legal expenses insurance on the websites we work with. We back up the offer on those websites and provide the legal cover without cost. We can do this by providing a very necessary accident support service which fills th ecracks left by your insurance cover. When we arrange hire or repair we earn commission. You have the support you need, and the insurance without cost.
Mark for Your Key
July 29th, 2008 at 7:46 pm
How can I claim and what details do I need?
Thanks Jake. All you need to do is call Your Key in the event of an accident and we will look after the rest. You do not make a claim by filling in a form, as you would with a home policy. We will arrange the services you need, and line up an experienced solicitor.
The number we sent you is both your policy and membership number.
The most important thing is to save our number on your mobile - 08000 114 114 - and we will take care of everything.
Mark for Your Key
August 13th, 2008 at 11:24 pm
Hi just noticed I have this e-mail. I recieved a letter containg My Key months ago. Luckily I have held on to it even though I didnt know what it was for as I have insurance with a different company.
Sounds like a good deal, Thanks Gemma
August 26th, 2008 at 11:58 am
I was obtaining bike insurance for my husband and recieved an email to state we had free legal cover sounds too good to be true as you never get something for free. We had to use Legal cover when he was knocked off his bike over 5 years ago now and it was well worth the money. Are you sure it is free as we may take out an insurance policy elsewhere and I want to make sure he is covered should the unthinkable happen.
Hi Anita, thanks for your question.
The greatest challenge for us when explaining our offering is that the accident legal expenses insurance is free. It is free this year, and we will renew it free in the future. All you have to do is make sure you tell us if your contact details change.
Legal cover is usually sold by insurers and brokers when a vehicle is insured, and the legal cover is limited to that vehicle. Many bikers have at least one car, so they buy two at least two policies. Our one policy covers any accident to our member and family, so you do not need to buy any policies at all.
Legal cover is sold as an optional extra, as the basic insurance quote has to be as low as possible so the insurer can compete on the comparative web sites. Then you go through to arrange your policy you are presented with a menu of add ons.
If an accident occurs and services such as hire and repair are provided, there are commissions to be earned, as in the referral of most business these days. Rather than sell the insurance and take the commissions, we give you the policy free, we provide a free help line, and if services are arranged we earn our commission. We think ours is a fair business model.
So yes, the insurance policy is free, and it means you need not buy accident legal cover again.
Mark for Your Key
Thank you for your prompt response, I will not need to take our this type of policy on my car or my husbands buggy then as stated this policy will
cover all three vehicles, absolutely brilliant.
Kind regards
Anita
September 16th, 2008 at 11:23 am
I’m biased. the problem being that there are so many con artists out there these days how do we know we are not gonig to be lumbered with some big solicitors bills if we use you to make a claim?
Hi Steven, and thanks for your comment. The reason Your Key was established was to deal with concerns like yours. In a difficult time who do you turn to?
Your Key has paid the premium on a policy which would cost you as much as £25 per vehicle each year, and we renew that policy annually. That must be a good starting point for trust. We explain how our business model works. Whoever arranges the services necessary after an accident can earn commission. Those are commissions often earned by insurers and brokers, but of course they charged you for your legal cover. Earning those commissions means we can provide the policy at no cost.
We use a small number of solicitors to seek compensation for our members. They will act for you under the legal cover. This policy means that any cost you incur, up to its limit of £100,000, will be covered by the policy. The policy only allows solicitors approved by the insurer to run our member’s cases.
You will keep your compensation.
Mark for Your Key
October 16th, 2008 at 9:13 am
How can I use/contact Your Key if I took out insurance with a Company not on the list of Tesco supplied quotations?
Peter, all you need to do is call 0800 0 114 114 for Your Key accident support.
It does not matter that you only took a quote, as that was the promise on the Tesco Compare site. Take a quote and receive free legal expenses insurance.
Best tip is to save our number under “accident” on family mobiles, and your breakdown insurance number under “breakdown.” All protection is then in place.
Good luck and take care from the Your Key team.
October 16th, 2008 at 10:42 am
Thanks for your previous prompt reply.
Is your service just for myself or does it include all family members who may use my vehicle or have ones of their own?
The legal cover includes your family and vehicle passengers. Family means your wife/partner and children up to 21 years of age who live with you. The legal cover is for any accident, so is not tied to any particular vehicle or activity.
This is why the Your Key policy means you can make £s savings, as your family group no longer need to buy accident legal cover when insuring vehicles.
If someone falls outside this group they can join Your Key in their own right, without cost, at http://www.yourkey.info/become-a-member
Hope that helps.
Mark for Your Key
October 30th, 2008 at 9:21 am
I’m sorry but I have read all the comments but I’m still a little concerned.
So your saying the following?
-I dont need the legal cover my policy offers me as an extra?
-All I need to do is save your number to my mobile and call you if i ever have an accident and you will take care of everything?
-I will get 100% of any compensation?
-You will look after all my needs ensuring I get a car and fully looked after?
I’m sorry but I just cant believe this is free. You must understand we need to be sure we are fully covered.
Thanks
Kieran
Hi Kieran,
All good questions, and ones we are often asked. Let me answer in QandA fashion.
Q: What is Your Key?
A: An after accident support service which delivers all the services you will need if you are unfortunate enough to have been involved in an accident. These services include vehicle recovery, hire and repair, plus the legal expenses insurance necessary to fight for compensation without fear of legal fees.
Q: What is legal expenses insurance?
A: It covers the legal fees if you have to bring a compensation claim after an accident. It is sometimes called legal cover or legal protection.
Q: How can the insurance be free?
A: It is free to you as Your Key pays the premium. If our after accident services are used by members we earn commission. We do not increase the costs after an accident, we simply provide the services in a convenient package through our freephone number – 08000 114 114.
Q: Do you only cover me when riding my bike?
A: No. We cover you for any accident, and the same cover is in place for family members and your passengers. We insure you, not your vehicles, so one policy is enough.
Q: I already have legal expenses insurance?
A: If you bought this cover when insuring a vehicle, even at a cost up to £25, we are confident our policy is more comprehensive. Our policy covers you, family members, and your passengers, in respect of any accident. We suggest you do not buy this cover again when insuring your vehicles.
Q: Do I make any payment to Your Key?
A: No. The membership and policy are free. Who pays for the services after an accident depends on who is at fault. You will always be asked to pay for recovery, and if someone else is to blame for the accident you can recover this expense, along with your other losses, and compensation for your injury, using the legal expenses insurance.
Q: Will you help me if I am to blame for the accident?
A: Yes of course. You or your insurer will have to pay but you still have the convenience of one free telephone call to access the services you need, and all services are very competitively priced.
So there you are. We offer our service in a package which allows us to pay your legal cover premium for you. Save money on legal cover, and put it towards breakdown cover. Save our number on family phones as “accident”, and the breakdown insurer as “breakdown.” Simple I know, but so many people have to call home when they are in trouble.
Mark Thompson, for the Your Key team.
December 16th, 2008 at 10:31 pm
Can i refer yourselves to a friend.if so,how do they get the cover?
Thanks Carl, good to see you appreciate the value of the service.
membership and the legal cover are available without cost at http://www.yourkey.info/become-a-member
It will take two minutes to input the details we need, and they will receive confirmation by email.
Thanks for the recommendation.
Mark for Your Key.
December 30th, 2008 at 5:41 pm
Q. I noticed that one of your replies to question stated you are covered if it is not your fault. So if it is my fault (close call) then who pays for what? Will i have to pay you out of my own money to cover the solicitors fees?
A. The quick answer is that legal expenses insurance will support a case for compensation if it has a reasonable chance of success. If you are partially to blame you can still succeed in part, so you will be supported. You would only have to pay legal fees if you went ahead with a case and lost, and the insurers had already said they would not support the case. So no surprises, and certainly no payment to YourKey.
Mark for the Your Key team.
January 29th, 2009 at 7:42 pm
hi, it sounds all to good to be true, in plain english, if i was involved in a accident and it was clearly my fault, who pays the legal fees to cover the other party claim and the court costs etc etc i would be lumbered with.
Regards Yvonne
Thanks Yvonne,
If an accident is your fault, then your own insurance covers the cost. That is the purpose of your insurance, to cover your liability to others. The extent to which your vehicle and possessions are covered depends on the level of cover you bought.
If you are to blame YourKey can help, but you or your insurer will have to pay for the services you need.
YourKey comes into its own if someone else is at fault. Then the services are paid for by the person to blame, or their insurer, and we will provide, and through the free legal insurance cover the cost of, a solicitor.
So in plain English, your own insurance covers your liability to others, and we fight for you when someone else is to blame.
You might also just need help and advice, and no matter what the circumstances we will be happy to oblige.
Finally, the policy and membership of YourKey is absolutely free. We earn commission if we arrange services for our members. These are the same commissions usually earned by insurance companies and brokers, and of course the difference is that they charge you for the legal expenses insurance. I hope you agree our model is fairer, and cheaper.
Thanks for getting in touch.
Mark for YourKey.
February 11th, 2009 at 6:54 pm
Does your legal expenses insurance mean that I could also reclaim the cost of my policy excess, if I was not to blame for the accident?
Simple answer is yes, if someone else is to blame. In such a situation there is no need to trouble your own insurer.
What many people misunderstand is the role of their insurance company. You must have insurance to cover your liability to others if you are at fault. The extent of cover for your own vbike and gear depends on the level of cover you buy.
If someone else is to blame then YourKey is the service which recovers all your losses.
YourKey team
February 14th, 2009 at 3:23 pm
hi i have a question, my son is about to buy a jump bike his only 13yrs old, does he need to get public liability insurance to cover him in case he shud ride into someone or a car etc.
Thanks Yvonne for a rather difficult question.
A child can be sued for the damage they do if they can be proved negligent, but it is easier to prove negligence against an adult. Negligence is failing to take reasonable care for those who might be affected by our actions. So belting down the high street on a bicycle might seem risky to you and I, but great fun to your son.
If an action is considered against a child the two questions are is there any insurance, and can the parents be blamed. The questions are asked to identify if there will be any funds to pay a succesful claim. Most solicitors would not advise an action against a 13 year old unless there were funds available to pay any compensation, and pay the solicitor.
So in an odd way it might be best not to insure your son for public liability, because if insurance is in place you are almost inviting a case against him if he can be shown to be at fault. I had a quick look at bicycle insurance, and the two I looked at would only provide public liability insurance for 14 year olds.
So maybe the risk is not insurable at a sensible cost.
You should make sure he is properly trained, wears the helmet, and then like all parents you just hope.
Not insuring a motorcycle or car is not an option, as the law requires insurance. The aim is to insure you can pay for the damage you do.
Finally, if your son was involved ion an accident which was the fault of someone else, thenm Your key would help him in his own compensation case.
A little vague I know, but hope that helps.
YourKey team.
February 23rd, 2009 at 12:34 pm
Dear Sir or Madam.
I have received and kept the poicy that you sent me.
? I have taken out a TP F&T, on my motorcycle, it does not include pillion passenger,
With your policy, can I take a pillion passenger and would he or she be covered as a third party, in ANY eventuallity ? or only for legal expenses involved from whatever incident occurs
regards Rob.
Thanks Rob.
To carry a pillion you must take out insurance on the bike to include that risk. Our legal cover is quite separate from the insurance on the vehicle. The legal cover through Your Key would allow your pillion to bring a compensation case if an accident was the fault of someone else, or you for that matter, but it is legal cover only.
The insurance you must have on any vehicle is to cover the damage you might do through your own fault. legal cover allows you to bring a case for compensation after an accident which is the fault of someone else. The legal cover means you do not have to worry about the legal fees, win or lose.
There is some useful stuff on pillions on our blog at http://www.yourkey.info/category/ridingtips
Good luck and take care.
Fron the Your Key team.
February 26th, 2009 at 2:15 pm
Hi, Are there any advantages to me in paying for separate legal cover (usually cost £25) compared to what you “key” are offering for free ?
kind regards
stu
Thanks Stu.
No is the answer.
Most policies you buyare limited to use of the one vehicle, so if you have more than one vehicle you buy more than one policy.
The YourKey policy covers ANY ACCIDENT so is not limited to one vehicle, and also covers anything you might be doing.
The YourKey policy also covers family members plus your pillions or passengers.
So as I say, a bought policy is not better. Both types of policy will support a personal injury case with a reasonable chance of success, but ours is free, we renew it free each year, and it is the one accident legal cover policy you need.
We make it clear that our income is from providing services after an accident, which is why we say phone us first. The commissions we earn are the same as those your insurance company will earn, but the difference is we have charged £nil.
Thanks for asking.
Mark for Your Key
March 2nd, 2009 at 9:21 pm
good insurance deal
March 3rd, 2009 at 8:51 pm
I took your policy out last year for my partner. How do I know its renewed and also am i covered with his policy for my car.
Thanks Steph,
The Your Key policy is automatically renewed each year.
All you should do is make sure our number is saved on phones under “accident.”
Our policy covers our member for any accident, plus spouse/partner, children living at home up to age 21 years, bike pillions and vehicle passengers.
If you change contact details make sure we are up to date by using http://www.yourkey.info/change-your-details
Thanks for your question.
YourKey team
March 6th, 2009 at 9:20 am
I went to a website to compare insurance on a vehicle I do not own at present, to find out what kind of costs I will be paying and yet I have no bike, or taken out any insurance as of late so Im very surprised to get this email.
Thanks Chris,
You receive the aacident support and legal expenses policy from Your Key, just because you took a quote. That offer is an indication of the competition between comparison sites.
As our policy covers ANY ACCIDENT it means you do not have to buy legal cover when you insure any vehicle.
Good luck with your hunt for good value insurance, and do have a look at our insurance advice blog at http://www.yourkey.info/category/insurance-advice
Take care
YourKey team.
March 19th, 2009 at 1:54 pm
in previous responses you have indicated that you (your key) earn a commission as oposed to charging a fee. Is this commission earned on top of the claim or do you earn a % of the claim and if so what is the % of the claim?
Thanks David,
YourKey takes nothing from its members. If you can claim compensation because someone else is at fault, neither YourKey nor the service providers we use will take anything from your compensation.
The commission we earn is for arranging the services you need. If we arrange a replacement bike or car while yours is repaired, the hirer pays us commission, and not you. This is the same commission your insurance company or broker would receive, but the difference is that we do not charge £25 per vehicle for your legal cover.
Our development has been really interesting. People insuring vehicles have been buying legal cover on each vehicle without question. YourKey’s policy means you do not have to buy that policy again, and we can do that by earning commission. We are giving you what you usually buy, and we tell you how we can do that.
Thanks for your question.
YourKey team.
April 3rd, 2009 at 3:27 pm
If I am hit by an uninsured driver do you cover me for claiming against them?
Yes, we will handle and support such a case for you. The same answer applies if the other driver is untraced.
Thanks for your question.
The YourKey team.
June 5th, 2009 at 9:35 am
hi,i had just bought the motorbike insurance together with the legal cost before you forward your email to me. in this case, is it possible for me to cancel the legal cost from the insurance company. as far as i know, there is a 14 days cooling period. and if i do, what am i suppose to do after that. please advise and reply soon.thank you.
ronald
Dear Ronald,
You are perfectly entitled to cancel the legal cover you bought with your vehicle insurance. Your cover with Your Key is in place, and you have our confirmation email and policy number.
Please remember that our policy covers any accident which means any vehicle or activity, and we renew automatically each year. There is no need to buy this type of cover again.
You are the customer so cancel the legal cover.
Let me know how much you paid. We say it costs up to £25, but the cost seems to be creeping up.
Regards
Mark Thompson
June 20th, 2009 at 4:34 pm
Hi, I understand about the legal cover, but can you confirm about roadside recovery.
If I have an accident or breakdown on the road, do I still need to take separate breakdown cover provided via my insurance company, as I do not want to pay for recovery at roadside?
Thanks
Good question as it is important to understand.
Roadside recovery is usually a term used for breakdown insurance, which means insurance to deal with mechanical problems. So yes you do need roadside recovery or breakdown cover. Most of these policies do not help you after an accident.
Your Key does its work after an accident. The legal cover is free, and we can then arrange the services you need. If someone else is to blame the cost of those services is covered by their insurance, as we use a credit hire and credit repair service. Recovery after an accident is very rarely required. We cannot arrange this on a credit basis, which means you will be asked to pay, and then within your compensation case this payment can be reimbursed.
So if you want cover for mechanical cover do buy it when insuring your policy, or buy iy separately. Do have a look at our advice at http://www.yourkey.info/frontend/wordpress/90
Your Key team
August 11th, 2009 at 2:23 pm
hi, could you please advise me whether you do legal cover for car insurance? if you do, then i will come to you or will you recommend me a company that deals with free legal cover. please reply soon. thank you.
Thank you Susan,
It is you who need legal cover, and not your vehicle. Our cover is for any accident, regardless of vehicle or activity, so there is no need to buy cover for a car, or any other vehicle you drive.
The insurance industry sells legal cover with each vehicle you drive, so if you have more than one vehicle you have more than one policy. Our policy covers any accident, therefore any vehicle and any activity.
Please remember we not only cover you, as the cover includes your husband/partner, children living at home up to 21 years of age, passengers and pillions. If there is someone who falls outside this group they can join YourKey without cost at http://www.yourkey.info/become-a-member
We are interested to know how much you save each year, and remember our policy is renewed automatically each year.
YourKey team.
October 14th, 2009 at 12:40 pm
Just let me know. I’m not up on these things. If I print off the policy document then thats it I’m covered or do I have to register in some way?
Martin Brown
Thanks Martin,
Nothing for you to do as you came onto our database when you took an online quote. If your details change please keep us up to date at http://www.yourkey.info/change-your-details
We will renew the policy each year, and again you need take no action.
Do save our number on your own and family phones, just in case 0800 0114114 or 0330 0225210 - the 0330 number is usually the cheaper to call.
Best wishes
Your Key team
December 6th, 2009 at 9:10 am
From your reply to Martin Brown:
“…0800 0114114 or 0330 0225210 - the 0330 number is usually the cheaper to call”
An 0800 number is a free call so why is the 0330 number cheaper? Or is this a typo?
December 6th, 2009 at 1:30 pm
Thank you Martin,
We set up an 0800 and we pay for the call. The complication is that mobile operators charge you a connection fee to use an 08 number. Also some landline call bundles exclude 08 numbers, so what was once a free number to call means a charge to the caller.
An 0330 number costs you the same as calling an ordinary 01 number, so the normal landline charge, which means it fits into your mobile call bundle.
We thought it fair to bring this to member’s attention, and give you the option.
Thanks for your question.
January 20th, 2010 at 4:27 pm
Am about to renew my insurance and considering legal cover. Now I am happy that key will cover me if I am not at fault, but what happens where blame is attributable say 50:50? Would I then have to pay for a proportion of the legal fees incurred?
Thanks,
Simon
January 21st, 2010 at 8:56 pm
Thanks Simon,
The legal cover with YourKey will support a case for compensation with a reasonable chance of success. So in your example, you will win 50% of your case, and the other guy will win 50% of his. The action for your 50% will be supported by the legal cover, and you rown vehicle insurance will pick up the cost of the other guy’s action.
You get exactly the same cover with us as the cover people usually buy from their insurer or broker.
Some people think that legal cover is not necessary, as you can always use a solicitor on a no win no fee basis. In our experience the legal cover is more likely to support you in a difficult case. Another good reason to be with YourKey.
Tell us if you need more help.