… So what does all this legal-ish sounding stuff mean?

Legal expenses insurance
An insurance policy which covers your risk to pay legal costs in a compensation case. If the case has a reasonable chance of success a specialist solicitor can confidently pursue compensation case for you. Peace of mind to recover your expenses, lost earnings, gather expert evidence, and receive compensation for your injury. This insurance is free to Your Key members.

Third Party
The other person or persons involved in the accident.

Vehicle insurance
You may have comprehensive or third party insurance:

Please be aware that the law demands you are insured to cover your liability to others, and not cover you.

Third party insurance covers payments due to others if you are found to be at fault. It will not cover your own vehicle, except for fire and theft, if you have that cover. You have to seek compensation to recover your losses and for an injury.Comprehensive insurance will cover the repair cost or current value of your vehicle if written off, and possibly protective gear and possessions. Policies do vary. It will not cover loss of earnings and many of the expenses you incur, such as replacement hire and earnings loss. Claiming from your own insurance can reduce your no claims bonus and insurance rating. You have to seek compensation from the third party to recover those losses.

Comprehensive does not necessarily mean comprehensive. Members contact us frustrated that the cover offered by their own insurance is so narrow. That is why the added protection of Your Key is so necessary.

Contributory negligence or partial fault
Our law says you must take reasonable care for the safety of others, and they must take the same care for you. You might be partially to blame, but you can still seek compensation. Here you need an expert solicitor backed by legal expenses insurance.

Breakdown or repair service
This may be something you already have, but it is most likely to be a mechanical breakdown service designed to cover a different set of circumstances. These organisations deal with breakdowns and will only help after an accident if you have bought additional cover. We are different as we help after an accident, and they help if your vehicle breaks down. We are not offering a breakdown service yet, but tell us if it would be welcome.

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