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 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 if any of our post accident services are used by members we receive commission.
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 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.
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.