Like many people buying caravan insurance, you shop around and buy
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
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.