You've found a really good, cost-efficient deal. So when it comes to the final checkout, do you choose to tick Yes or No in that Legal Expenses Cover box? It will add a little more to the total, and it's not an absolute requirement, so you may be tempted to leave it out.

Not least because it's definitely not the most well-known part of insurance! It is, however, something we think you really should consider adding if it's not in the policy as standard.

And here's an example of why: Earlier in the year Jim, one of our freelance writers, was involved in a caravan accident. His Abbey Mark I is his pride and joy, and he's spent many happy weekends working on it. So naturally, he wanted total insurance coverage for every eventuality - even legal expenses.

This certainly proved to be the right decision after the accident. The caravan was hit from the rear, so some of the vehicle damage could be fixed. The insurance company worked fast to deal with the claim. Unfortunately, Jim also suffered a broken wrist and some whiplash. If he hadn't taken legal expenses cover, the bill for a solicitor to pursue his compensation claim would have been solely his responsibility.

Fortunately, since he had the cover, Jim was able to get his compensation quickly. Working as a freelance writer, Jim doesn't have the safety net of employer sick pay. Lost hours mean lost money. Jim was out of work for a month - and a month's wages. With legal expenses cover, however, Jim was able to claim for loss of earnings and will receive compensation for them any day now.

The total cost of this peace of mind and earnings security? An extra $2 a month on his premium, surely a worthwhile investment for anyone's money! Fully comprehensive caravan insurance ensures that your vehicle is well taken caravan of, but how about the driver? Jim's accident was not his fault, but he had to spend a month off work.

Without legal expenses cover, the cost of getting compensation would have fallen to him. With it, he was as well protected as his beloved caravan, and didn't have to worry about being able to afford to make a claim.