Legal cover on car insurance, also known as motor legal protection or legal expenses insurance, is an optional add-on to a car insurance policy that covers legal expenses resulting from a car accident. The amount of legal protection cover provided varies, but it’s common to find cover for costs of up to £100,000. This amount should be enough to pay for legal representation on the majority of claims. Standard car insurance policies cover claims for damage to your vehicle, but you might need to take legal action if you face other costs. Insurance companies call these uninsured losses, which might include loss of earnings, recovery repair costs (if you don’t have a comprehensive policy), and excesses that you’re liable to pay. Legal cover is not a legal requirement, but it could ultimately save you money in the long run. The cost of legal cover usually ranges from £20-30 when added to a car insurance policy. Whether or not car insurance legal cover is worth it depends on how much you value this peace of mind.