Uninsured Loss Recovery
This provides the policyholder with cover for legal expense costs to pay for a solicitor to pursue a guilty third party in order to recover your uninsured losses – policy excess, hire car charge, any other out of pocket expenses caused by the third party negligence – as well as costs to pursue a personal injury claim. ULR often provides cover for free 24 hr legal advice of a personal nature.
It is especially useful for Third Party Fire & Theft policyholders and will attempt to recover not only the losses mentioned above, but also their vehicle damage costs (from a negligent third party.)
Motorist's Legal Protection
This is cover to meet the cost of defending court actions arising from incidents on the road. It includes a free 24 hour expert advisory service.