Motor legal protection, also known as legal expenses cover, is an optional add-on to a car insurance policy that covers legal expenses for any legal action youre involved in after an accident. This add-on can cover legal expenses up to a certain amount, depending on the policy. For example, if youre in an accident that isnt your fault and need to cover the cost of medical expenses or lost earnings, motor legal protection can help cover those costs.

Its worth noting that having motor legal protection doesnt guarantee that youll be able to use it in any scenario. These policies often state that they cover cases with a reasonable chance of success, meaning theres a 51% or better chance that youll win your case. Additionally, insurers will only fund a legal action if there is a better than 50:50 prospect of success, and there is money to pay a successful claim.

Motor legal protection can be purchased as a standalone policy, but its more common to add it to a car insurance policy. The price of motor legal protection varies depending on the level of protection offered, so its worth shopping around for a good deal.

Whether or not motor legal protection is worth it depends on how much you value the peace of mind it provides. If youre concerned about having to pay legal fees if youre involved in an accident, its worth considering motor legal protection. However, if you think youre unlikely to bring a successful claim, it may not be worth the cost.