Legal cover

[chriskoi]

Hi
What do you think about paying extra for legal cover ? I normally do have it , but this year I'm thinking do i really need it ?
Cheers Chris.

 

[PlopHole]

What's changed from last year to this year?

 

[craigb244]

The other day my dad was telling me that he was talking to a guy who owned an insurance company(just sold it on)
Cant mention names.

but he said never to buy legal cover as there are so many free legal cover places out there anyway.
and he said that they pay £5 for the legal cover and sell it on to us for at least £25.

 

[sledge]

Hi
What do you think about paying extra for legal cover ? I normally do have it , but this year I'm thinking do i really need it ?
Cheers Chris.

Funnily enough I have just run out of bog-roll and I am thinking do I need to go and get some now from the 24hr garage........ or can it wait till the morning when I am up and about and the co-op is open?

Its a decision I have to make as an individual, just like the decision YOU need to make over the question of Legal cover.

Will I wake up in the middle of the night doing the Turkish two-step or wanting a Bombay-boogie or will you in the next 12 months say.....get hit by an uninsured chancer or watch a horse park its arse on your bonnet.

The fact is.......until someone invents a reliable crystal-ball the question for both of us is.........who knows????

 

[PlopHole]

The fact is.......until someone invents a reliable crystal-ball the question for both of us is.........who knows????

Once again, fantastic contribution to the forum!

 

[Most Easterly Pandas]

Have you AA / RAC membership etc? If so double check, as they normally include legal cover

 

[chriskoi]

Have you AA / RAC membership etc? If so double check, as they normally include legal cover

Yes i have RAC cover, will check and see whats covered. Thanks for sensible answer. Why do some waste there time answering with unhelpful reply ?
Thanks again Chris

 

[chriskoi]

Funnily enough I have just run out of bog-roll and I am thinking do I need to go and get some now from the 24hr garage........ or can it wait till the morning when I am up and about and the co-op is open?

Its a decision I have to make as an individual, just like the decision YOU need to make over the question of Legal cover.

Will I wake up in the middle of the night doing the Turkish two-step or wanting a Bombay-boogie or will you in the next 12 months say.....get hit by an uninsured chancer or watch a horse park its arse on your bonnet.

The fact is.......until someone invents a reliable crystal-ball the question for both of us is.........who knows????

Why bother to answer

 

[sledge]

As a follow up........

I didnt need the bog roll, but next day I did spend some money on buying a few spare packs Reason being should at some time in the future an "emergency" arise I will have piece of mind knowing my situation will be all the more easier. I will congratulate myself for having the forethought to prepare for it by buying some spares and although at the time of purchase I questioned the issue of handing over the cash will in all probability consider it money well spent.

I take legal cover out for the same reason. I dont know if I will ever need it but if I do find myself in the situation where I need it I know I will be glad I made the decision to buy it and despite the outlay consider it worth it in return for the piece of mind it gives.

So to answer your question.....

Why bother to answer

Well its like this........

Maybe I am unique in some way, I just dont know, but what I do have is an abillity to think for myself in situations such as the one you are in and weigh up the advantages of having legal cover against the disadvantages of not having cover. Then after factoring in the costs involved come to a conclusion which will influence my final choice regarding its purchase. However I accept that just because I can easily do it, it doesnt mean everyone can.

I also appreciate different people will have differing priorities and circumstances and consequently that what may be right for me may not be right for someone else. Upshot being I consider it impossible to give a straightforward yes/no answer to questions such as the one originally posed by your good self.

So in light of my way of thinking why not try to follow my lead and learn to weigh up the pros and cons over an issue for yourself its not too difficult. In addition to legal cover other examples could include

Cornflakes or shreaded wheat for breakfast?
Blue or red shirt tonight?
Spain or Turkey this summer?
Asda or Tesco?
Utd or City.

Life is full of choices, get some practise in and it gets easier to make them

 

[Dominion]

My sister in law's Cinq was rear ended a couple of years ago and she suffered minor injuries. She didn't have legal cover. When she phoned her insurers (Tesco, I think) they offered to sell it to her retrospectively for exactly the same price as it would have been if bought at the same time as her car insurance. So she didn't actually have to buy it until she knew she needed it.

I don't know if this is the norm throughout the industry, but it might be worth asking the question at renewal time.

Another point to keep in mind is that legal cover bought in conjunction with car insurance is applicable to any (I think) legal costs - like when I sued an ex employer.

 

[x Alex x]

its pointless, have you seen how many companies are crying out for your business if you had a car accident or anything, the insurance company charges for legal cover and sells your claim onto a law firm, i'm in the middle of a claim at the min and the bloke who owns the law firm told me this.

 

[chriskoi]

As a follow up........

I didnt need the bog roll, but next day I did spend some money on buying a few spare packs Reason being should at some time in the future an "emergency" arise I will have piece of mind knowing my situation will be all the more easier. I will congratulate myself for having the forethought to prepare for it by buying some spares and although at the time of purchase I questioned the issue of handing over the cash will in all probability consider it money well spent.

I take legal cover out for the same reason. I dont know if I will ever need it but if I do find myself in the situation where I need it I know I will be glad I made the decision to buy it and despite the outlay consider it worth it in return for the piece of mind it gives.

So to answer your question.....

Why bother to answer

Well its like this........

Maybe I am unique in some way, I just dont know, but what I do have is an abillity to think for myself in situations such as the one you are in and weigh up the advantages of having legal cover against the disadvantages of not having cover. Then after factoring in the costs involved come to a conclusion which will influence my final choice regarding its purchase. However I accept that just because I can easily do it, it doesnt mean everyone can.

I also appreciate different people will have differing priorities and circumstances and consequently that what may be right for me may not be right for someone else. Upshot being I consider it impossible to give a straightforward yes/no answer to questions such as the one originally posed by your good self.

So in light of my way of thinking why not try to follow my lead and learn to weigh up the pros and cons over an issue for yourself its not too difficult. In addition to legal cover other examples could include

Cornflakes or shreaded wheat for breakfast?
Blue or red shirt tonight?
Spain or Turkey this summer?
Asda or Tesco?
Utd or City.

Life is full of choices, get some practise in and it gets easier to make them

Glad everyones not as perfect as you. End of:worship::worship::worship::worship::worship::worship:

 

[PlopHole]

^^^^^
​

I think the OP wasn't specifically asking for a yes or no. He/she/it asked, "What do you think about paying extra for legal cover?"

And as others have shown with their response, his/her/it is actually questioning what the pros and cons are and how they weigh up against one another.

 

[chriskoi]

Thank you. I was
Cheers Chris.

 

[sledge]

Thats a fair point and I am sure you are, but what comments are you expecting exactly? If you think a step or two in advance and unless I am missing something it doesnt take a genius to realise there can only ever be 3 answers to your original question. These being.........

YES!.......because blahblahblah
NO!........ because blahblahblah
DEPENDS!......... because blahblahblah

Regardless of what anyone in here might say on the subject the final choice will always remain with yourself and it can only go one of two ways...YES or NO.

Do you really need to be influenced or told or what to do by a bunch of complete strangers all of whom will have differing opinions, experiences and circumstances on the subject from yourself and by doing so make the choice even more complicated and difficult for yourself?

Go on, make your own mind up.......Y/N .........you can do it

 

[PlopHole]

Do you really need to be influenced or told or what to do by a bunch of complete strangers all of whom will have differing opinions, experiences and circumstances on the subject from yourself and by doing so make the choice even more complicated and difficult for yourself?

Go on, make your own mind up.......Y/N .........you can do it

On subject matter such as this I honestly do believe reading opinions, personal experiences and circumstances will help him (i'm now presuming you're a guy, Chris ) make a suitable decision. He can associate his own needs with others', for instance. As for making things even more complicated i don't think that will happen here.

The final choice is most definitely his (you and I can agree on that), oh and he has said that he is thinking. (So seemingly Chris also agrees)!

On subject matter such as choosing a colour for his bedroom walls, getting responses from twenty different people will always garner further indecision. So, IMO the point you just made doesn't apply here.

 

[sledge]

In a way I am not really surprised to hear that comment from you and see you defend the actions of the OP. Going from past comments you have made in this very section it would seem to me you and Chris have something in common in that it would appear you both have a difficulty in deciding on the best course of action given your personal circumstances and in making decisions for yourself.

Thanks for your IMO.....now let me give you mine.

I genuinely wouldnt like to be stuck behind you or Chris in the queue in my local Chinese takeaway on a busy Saturday Night. I couldnt imagine a worse nightmare after a good night out on the lash and I pray to my God (whoever he may be) that it never happens.....Why you may ask? Well......they offer over 140 main meals and thats before boiled or fried rice and/or chips and all the English options such as liver and onions etc.

Consequently its my belief that you two would see that big yellow board nailed up behind the counter as a trip to Nightmare city and would be gibbering wrecks on the verge of nervous breakdowns before you got past number 10. Either that or by the time you had discussed all the various options available via the net on your favourite forums and concluded what best suited your desires courtesy of a group of complete strangers.......... I would have long since missed the last bus home and had the devils own job convincing MrS of the reason why I was so late home.

 

[PlopHole]

Lol.

Sitting in my local Chinese restaurant, 'The East' (it's very nice in fact, they have the best oriental ribs!) I ask the Chinese restaurant waiter what he recommends, he is most likely to ask something along the lines of, "are you looking for a light snack, or a full meal, are you vegetarian?" etc. Upon answering this he will have a better understanding of what I want and can then narrow down the menu, making it an easier choice when I come to order my food.

After asking about legal cover on an insurance forum, the chinese restaurant waiter (aka M.E.P, among others) asks if I have AA / RAC membership. I come up with all the necessary answers and when it comes down to it I have a better understanding of what to do when ordering my insurance policy.

So to conclude, I don't have difficulty in deciding the best course of action. I just like to make the best decision possible! And by asking the right people, the right questions I can make that right choice.

P.S. Wtf kind of Chinese take-away offers liver and onions! :nutter:

 

[sledge]

So according to your theory someone could have paid say £100 for a years AA/RAC membership and be excused for NOT being fully aware of what it is they have bought and are actually covered for?......hhhmmm??...... Its not a position I and probably many others would ever find themselves in but as I have said before, I appreciate people are different.

Can I ask.....Are you in the habit of handing out moderate amounts of cash without knowing exactly what it is you are getting in return, or.....do you consider such an action to be normal or even sensible behaviour?

There is some irony here, some may even say it has comedy value.......The OP is reluctant to pay for legal cover on the basis he questions its value, but it seems he may have paid for it elsewhere without actually being aware of the fact and needs to be to told of this by someone in a forum.

Looks like we are right back at the start doesnt it

 

[chriskoi]

Sledge.
I bet i make my mind more times a day then you do.
You realy are making yourself sound a rite T..t.
Why do you bother using a forum?:shrug::life: