MOTOR LEGAL EXPENSES INSURANCE
Helping motorists recover uninsured losses and access expert support
Help your customers recover uninsured losses and access expert legal support following a non-fault road traffic accident. Our Motor Legal Expenses Insurance provides comprehensive legal protection, covering legal costs, representation and uninsured losses while helping insurers and brokers deliver greater value with every motor policy.
Protect Against Uninsured Losses
Following a road traffic accident, customers can face significant financial losses that aren't covered by their motor insurance policy. Our Motor Legal Expenses Insurance helps recover uninsured losses while providing access to experienced legal professionals who manage claims from start to finish.
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Legal Costs Covered
Up to £100,000 cover for eligible legal costs and legal representation.
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Uninsured Loss Recovery
Recover expenses including policy excess, vehicle hire costs, loss of earnings, damaged personal belongings and repair costs.
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Expert Legal Representation
Experienced legal specialists manage claims and represent customers where court action is required.
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Civil Liability Act Ready
Designed to support claims through the Official Injury Claim portal and Fast Track cases following personal injury reforms.
What your policy covers
Comprehensive Legal Protection After An Accident
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Uninsured Loss Recovery
Recover uninsured losses including policy excess, vehicle hire costs, loss of earnings, damaged personal belongings and other out-of-pocket expenses.
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Personal Injury Claims
Expert legal support to pursue compensation following a non-fault road traffic accident.
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Legal Representation
Access experienced legal professionals who manage claims from initial notification through to settlement or court proceedings where necessary.
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Whiplash Reform Ready
Designed to support claims under the Civil Liability Act, with seamless handling of Official Injury Claim (OIC) portal and Fast Track cases.
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Vehicle Identity Theft
Support if a customer's vehicle identity is cloned or fraudulently misused.
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Motor Insurance Database Disputes
Help correcting inaccurate or outdated motor insurance database records.
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Motor Contract Disputes
Disputes relating to the purchase, sale or repair of a vehicle you own.
who is covered
Protection For Drivers And Passengers
- Policyholder
- Any authorised driver named on the motor insurance policy
- Eligible passengers travelling in the insured vehicle
Why choose Coplus
Trusted Legal Protection Partner
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Industry experience since 1988
Experience since 1988 delivering innovative motor legal expenses solutions for insurers, brokers and affinity partners.
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Over 1 million policyholders protected
Supporting customers with a comprehensive suite of compliant, value-added ancillary products, designed to deliver confidence when it’s needed most.
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Integrated Claims & Legal Expertise
Our legal protection solutions can integrate seamlessly with FNOL, non-fault services and vehicle damage claims, creating a streamlined customer journey from notification through to settlement.
Frequently asked questions
Motor Legal Expenses Insurance FAQs
What is Motor Legal Expenses Insurance?
Motor Legal Expenses Insurance helps customers recover uninsured losses and covers eligible legal costs following a non-fault road traffic accident. It provides access to specialist legal representation and supports customers throughout the claims process.
What does Motor Legal Expenses Insurance cover?
Legal costs of up to £100,000 to recover uninsured losses after a non-fault accident, plus access to a 24/7 legal advice line.
Who is covered by the policy?
The policyholder, anyone driving the insured vehicle with their permission, and passengers in the vehicle at the time of the accident.
What are uninsured losses?
Costs that the main motor policy doesn’t pay back, such as the policy excess, loss of earnings, compensation for injury, and damaged personal belongings.
What is the legal costs limit?
Legal expenses cover is a standard £100,000.
Get in touch
Trusted By Brokers and Insurers Across The UK
We work with brokers, insurers, and partners to deliver products and services that add value, strengthen relationships, and support customers when they need it most.
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Affinity & Partners
Start selling ancillary products in weeks with dedicated support and tech built for seamless integration.
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Brokers
Enhance customer value through flexible products, claims expertise and operational support.
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Insurers & MGAs
Access governed products, scalable claims operations and flexible distribution solutions.
Talk directly with the team
We aim to respond within 2 working days