I would recommend having the legal cover added to any car insurance policy these days. In November 2022 I was driving my wife’s car around a roundabout on the outside lane when a car on the inside lane decided to exit by cutting across in front of me. Although the other car only just clipped the offside bumper the car was written off. My wife’s insurance company is pursuing the other drivers insurance company to get our excess and their  settlement money through the courts. I am not sure if they would bother without the legal cover. 

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