Legal Expenses Cover has anybody ever used it

[SiFi]

Haven Know-Johnson have included £15.11 for Legal Expenses cover for my boat, has anybody other than the financial industry ever benefitted from this?

[bigste]

On a car I'd say it may be worth having but on a narrowboat.........WTF next

[MtB]

What legal expenses are you imagining you might need to pay?

 

MtB

[Naughty Cal]

It comes included with our insurance package. Don't think I would be paying extra for it though. Ask them to remove it if you don't want it.

Edited December 4, 2014 by Naughty Cal

[SiFi]

What legal expenses are you imagining you might need to pay?

 

MtB

That's my question there must be somebody who has used it

[Cheshire cat]

It depends whether you think you will ever have to sue anyone who works on your boat or indeed whether anyone sues you for anything not covered by insurance.

 

This guy tried to use it.

 

http://www.nb-kelly-louise.com/2014/12/the-legal-aspect.html

 

The costs are not contemplatable without insurance.

[mango]

On a car I'd say it may be worth having but on a narrowboat.........WTF next

For those lucky enough to buy a brand new boat, I imagine it could be Gap Insurance, unless boats don't lose a substantial part of their value as soon as the leave the boatyard.

[wandering snail]

Wish we'd had it when that JCB crashed in to our nb! Admittedly probably not a ' normal' claim.

[Stilllearning]

Wish we'd had it when that JCB crashed in to our nb! Admittedly probably not a ' normal' claim.

You can't say something like that and not at least give us a link to the relevant part of your blog!

[stuart]

I have legal cover on my home insurance policy, and that isn't just limited to home claims (would also cover claims for car, or financial disputes etc.) - is the boat insurance similar?

 

You may already have legal insurance on another policy.

[TaffyRon]

Haven Know-Johnson have included £15.11 for Legal Expenses cover for my boat, has anybody other than the financial industry ever benefitted from this?

My mrs was asked if she had it when she had an accident, it will cover solicitors fees but a complete waste of money as it was a no win no fee case, you get it on lots of things like car insurance etc

[Rob-M]

I have it with my house insurance and made use of it when in a dispute with a removal company.

[TaffyRon]

Wish I had it when I spent 20k trying to get child access

[wandering snail]

You can't say something like that and not at least give us a link to the relevant part of your blog!

Look at July 5th 2012. There's also a thread on here somewhere but no photos as still can't get the hang of putting them on here.

[MHS]

Wish we'd had it when that JCB crashed in to our nb! Admittedly probably not a ' normal' claim.

Was it a hired JCB?Did they know to pass port to port?

[Stilllearning]

Look at July 5th 2012. There's also a thread on here somewhere but no photos as still can't get the hang of putting them on here.

Thanks

[wandering snail]

Thanks

Have found the thread - Insurance claim, June 27th 2012. And it's still on-going

[Jerra]

Could Tony Dunkley have used it in his battle with CRT? (Hope I have spelled Tony's surname correctly).

[TaffyRon]

Could Tony Dunkley have used it in his battle with CRT? (Hope I have spelled Tony's surname correctly).

yep, tony is correct

[MtB]

yep, tony is correct

 

No it isn't. Proper nouns start with a capital. "Tony" is correct, innit.

 

 

 

MtB

[Jerra]

 

No it isn't. Proper nouns start with a capital. "Tony" is correct, innit.

 

 

 

MtB

Neither tony or Tony are correct! Neither is a surname!

[TaffyRon]

No it isn't. Proper nouns start with a capital. "Tony" is correct, innit.

 

 

 

MtB

IS IT?!

[Domino_2]

My mrs was asked if she had it when she had an accident, it will cover solicitors fees but a complete waste of money as it was a no win no fee case, you get it on lots of things like car insurance etc

 

 

I'm not sure whether you can get a "No Win, No Fee" agreement with a solicitor with regards to covering any legal expences when it comes to boat claims. Although, as "No Win, No Fee" agreements tend to relate to personal injury claims.

 

With regards to motor insurance legal expence insurance is a waste of money. Your insurance, which as we know is a legal requirement, covers a claim made against you if you cause an accident. If the accident is not your fault, you can enter into a "No Win, No Fee" agreement with a solicitor of your choice (you don't have to go with the one recommended by your insurance company). How these agreements work MUST be explained fully by the solicitor to you in order for them to be valid.

 

Would I have legal expence insurance on my boat policy, personally no. But that is only my opinion.

[boots]

I thought they were for in cases of uninsured loss - in which case, I wonder if could have been used in the case of the topic 'a cautionary tale'?

[Emerald Fox]

I asked here (canalworld.nuts) about this 'extra legal insurance' when we took insurance for the first time starting this Summer on our narrowboat and came to the conclusion is was a bit of a scam (Google - legal insurance scam) just to get another 15 Squids out of us. We're insured anyway to bump into anything and cause a considerable amount of damage, and if someone bumps into us their insurance will pay.

However... we intend to be as careful as possible, as all accidents lead to stress, worry, misery, and anger. That extra minute can save months of paperwork.