Monday, 7 October 2013

Competition Time - Win £50 of M&S Vouchers!!!

That's right folks, we are giving away £50.00 of Marks & Spencer vouchers in our October competition.

The rules are simple:

1- Register at our website to become a member of Free Motor Legal (it's free!)
2- "Like" and "sha
re" our competition page on our facebook page here

The competition is open until 31st October and is open for both current members of Free Motor Legal as well as new subscribers. (we like to include existing members in our competitions). You have to be aged 17+ to enter and a resident in England, Scotland or Wales.

The winner will be randomly selected for the prize after 31st October and you must be a member of Free Motor Legal and have liked and shared this page to be eligible to win.

Wednesday, 2 October 2013

Is there really such thing as a free lunch?

I was reading some policy terms and conditions today for the RAC "Motor Legal Care" policy - which is the motor legal expenses insurance policy they have recently been giving away free of charge to any RAC breakdown members. A thrilling read I can assure you.

A nice gesture you may feel. Get a legal protection policy for free from one of the big brands. However, on reading the terms and conditions, if you use the policy to claim for personal injury with one of their appointed solicitors, you will lose 25% of your injury compensation to the lawyer! Maybe it is true, maybe there is no such thing as a free lunch?

Well with there genuinely is free accident support and legal assistance after a non-fault road accident. We do not charge you for joining and remember, once you join it is not necessary to renew each year like you do when buying legal protection cover from your insurer. Better still, unlike the millions of RAC members who may enjoy the benefits of a free legal protection policy, Free Motor Legal members will not find themselves losing 25% of their compensation. Our appointed solicitors do not take any deductions from your compensation payments.

A free lunch? I'd call that having your cake and eating it!

If you are not already a member, subscribe today and join the revolution in keeping your motoring costs down. It is free to join here and tell your friends and family how they can save on their insurance costs by liking and sharing our facebook page

Lee Jones
Managing Director

Tuesday, 10 September 2013

We are on facebook, check out our page here and until 18th September we have a competition running that puts you in line for winning a free iPad Mini! All you need to do is go to our facebook page share the post, like the post, and sign up to – a free subscription service which can save you up to £50 on your car insurance policy. To sign up, go to or visit our ‘Sign Up’ page tab.

If you are already a subscriber, all you have to do is like and share the post.

**When you share this post, make sure you select the ‘Public’ option. This allows us to see your name and enter you into the draw.**

By following the three steps above not only are you in with a chance of winning an iPad Mini but you are also saving money on your car insurance! Free Motor Legal is the leading free alternative to Motor Legal Expenses Insurance, so why not save yourself some money? You will never have to pay anything, and subscription is for life so no need to renew! You don’t need to pay for motor legal protection, Free Motor Legal is here to help.

AND...We now have mobile apps to help you if you are ever involved in an accident! Like our service, they are completely free so head on over to your App Store and search ‘Free Motor Legal’ for your complete guide should you unfortunately be involved in an accident.

Competition closes Wednesday 18th September 2013 at midnight, after which a winner will be selected at random. Visit for full terms and conditions.


Friday, 16 August 2013

Reports are being made about the rise of "flash for cash" style claims that are arising. This typically involves somebody waiting to pull out at a junction from a minor road and an approaching car on the main road flashes their lights to gesture the motorist out. The person waiting to pull out pulls out and the other motorist deliberately crashes into them.

In this situation the person pulling out will be found fully at fault for the collision as the other motorist had right of way. In addition, the flashing of headlights is not an actual legitimate way of "giving way" to another motorist as far as the Highway Code is concerned. The flashing of lights is merely to warn other motorists you are there and should not be taken as a signal inviting you to proceed.

More concerning is that these styles of accidents are inherently dangerous for the person pulling out as a side-on impact will most likely arise. It can often be more vulnerable road users who are picked on by criminal gangs and opportunistic individuals such as women with their children in the car or elderly people. Basically people who are more likely to be distracted by the welfare of their children after a collision or not put up much of a protest.

Lee Jones, Managing Director of Free Motor Legal, says that motorists have to be on the lookout for this behaviour. "If you do rely on somebody flashing their lights as a sign they are letting you go, take a moment to observe what they are doing. Are they slowing down and is there plenty of distance between you? Should the worst happen and you are caught in an incident like this, then you need to do your best to get evidence there and then. You need to grab details of any witnesses who may support your story that the other party flashed their lights and then simply drove into you. Call the police if anybody is injured or you suspect a deliberate collision has been caused."

Often the other person will back down if they have been up to no good, but it is important to still get the police on the scene as although they may back down at the scene, there is nothing to stop them still making a claim later on and then it is their word against yours and in this situation they will quite likely win.

Fortunately, members of get an accident survival pack when they register for free with our website. This is placed in your glove box and acts as a handy tool to use as a guide on the information you need to be capturing after a collision. Being in a crash is a stressful experience and many motorists forget to record key information that leaves them in difficulty either proving their claim against the other party or defending a spurious claim.

Free Motor Legal is the leading alternative to buying costly motor legal protection insurance. We look after our members in exactly the same way that a person with pre-paid legal cover would be treated, but we have not charged a premium and there is no need to renew annually as membership is for life. Find out more at

A news report for this appears on the BBC News website

Tuesday, 6 August 2013

People continue to save money on their annual motor insurance costs by side-stepping costly Motor Legal Protection Policies in favour of subscribing to

Motor Legal Protection is one of the most misunderstood insurance products out there and one which is probably mis-sold almost as much as PPI insurance was. Consumer research by the Financial Conduct Authority has shown that it is a complex product and so consumers do not really understand what they are buying. Often, insurers and brokers have pre-selected the cover so the customer has to opt out of the expensive add-on. Many people purchased such cover with inaccurate assumptions and little or no knowledge about what the product is, how it works and whether or not they needed it.

The research showed the primary reason for purchasing Motor Legal Protection cover was "peace of mind".

The trouble that has been exposed is that consumers often believed the legal protection policy they had purchased covered much more than it actually does. The truth is that, with very few exceptions indeed, these policies only cover you for your own costs to pursue back your losses in a road accident that was not your fault. They do not cover your liabilities if somebody tries to sue you.

At Free Motor Legal, we like to be transparent with our members, we tell you what your membership provides you with from the outset and we do not charge you.

The insurance industry has been told by the FCA to get their house in order as for too long, customers have been sold cover they either did not ask for or had not had explained to them prior to deciding to purchase. You can side-step these risks entirely by joining Free Motor Legal today. It is free, transparent and gives you all the assistance you could need after a non-fault accident. We like to think it is the perfect accident assistance package.

Friday, 8 February 2013

The Largest ever repair bill for vehicle repairs in Britain.

A new record has recently been set for the highest cost of repairs to a motor vehicle. Rowan Atkinson of Black Adder fame crashed his McLaren F1 in November 2011.

It was a serious accident which injured the star's shoudler and caused considerable damage to the McLaren after it hit a tree. The engine was found 20 yards away from the vehicle.

The final cost of repairs came to an eye watering £910'000 and it took some time to get the go ahead on the repairs. The cars were originally approx £640k new, but used models have changed hands for as high as £3.5m.

This beats the previous record which was around £300k for repairs to a Pagani Zonda which was paid by Aviva. News of the incident was orignally broadcast on BBC Top Gear when Rowan was interviewed by Jeremy Clarkson.

Thursday, 24 January 2013

It is now being reported that some of the major established players in the motor legal expenses insurance market are seeing a decline in the number of people buying their Motor Legal Protection policies.

This has been reported on a specialist legal website here

Some of the blame is being placed on the way policies are sold via the price comparison sites. Often customers are given the option of removing various add-ons to their motor quote. Many people are buying their insurance on price, so one of the ways to reduce the cost of 1 year of motor insurance cover is to do away with the "extras" such as Motor Legal Protection.

People are therefore "doing without" this cover, which can leave them exposed to more problems in getting any non-fault claim dealt with. Or even the simple recovery of a policy excess.

This is where can help. Although we are not selling motor legal protection insurance, subscribers to our free service can still have somebody available to take care of any arrangements following a motor accident that was not their fault.

Therefore, people can continue to save money from their annual motor insurance costs without leaving themselves vulnerable or to fend for themselves following a non-fault motor accident.

So spread the word to your friends, family & work colleagues. You can save money by avoiding purchasing Motor Legal Protection from your insurer or broker, whilst still having resources in place to help you out should you be involved in a collision that was not your fault.

Free Motor Legal is free to subscribe to and once you have subscribed, you are subscribed for life, so no need to be charged for Motor Legal Protection Insurance again.

We urge people to act now, rather than forget about it and find your renewal of insurance has included costly and unnecessary cover.

You can register free here

Friday, 18 January 2013

What is Free Motor Legal?

A fresh and dynamic approach to an often overlooked area of car insurance. Usually people get sold a legal protection policy as a costly add-on when they buy or renew their motor insurance. Typical premiums are £25.00 per annum. But we have seen examples of insurers asking for nearly £40.00 for 12 months cover.

This may not sound like much, but it is a bit of a dirty secret of the insurance world and the insurers have been abusing this component of motor insurance for years.

Motor legal protection insurance is sold to people on the premise that there will be £100k of legal expenses protection there to save the day if they have an accident and need to claim back losses and expenses from the party at fault.

The reality of the situation is quite different. Essentially all that happens is the legal protection policy the customer has purchased is merely used as a claims capture mechanism in the hunt for referral fees from injury lawyers. But worse than this, the policy never actually gets claimed against as all of these policies stipulate that your claim must have “reasonable prospects of success”. This is so that the underwriters of the legal protection policies never actually have to pay out any legal costs, because only the good cases get taken on.

The claims usually get passed to very large law firms, or “factory firms” where the poor unqualified souls that work there are simply overburdened with colossal sized caseloads and are targeted to simply get the claim settled as quickly as possible. This often means the claim is under-settled and the client gets poor service.

So the customer is sold a policy that actually never gets claimed against or prohibits any borderline claims being considered. Great value for money eh!? But it gets better, not only has your insurer or broker pulled the wool over your eyes by taking money off you for the policy, they then make a killing out of your misery by earning hundreds of pounds in referral fees when they refer you on to solicitors and hire companies etc. Bit of a double-blow for the consumer don’t you think?

In 2012 the Admiral Group of insurers were reported in the press to have taken over £24m of referral fees alone as "ancillary services".

Really speaking, it is not necessary to buy an actual motor legal protection policy, you just need to have somebody in place to take care of matters for you if you do have a collision that was not your fault. is a genuine free alternative to wasting your money on buying a motor legal protection policy. We are not an insurance policy.

We are a free subscription service that you join by providing just your basic details. You only need to join once and therefore no need to renew each year like when buying a policy from your insurer or broker. So the savings on premiums continue year on year and the subscriber never has to pay for motor legal protection insurance again.

Subscribers receive a welcome pack with essential contact information and free keyring. This ensures that they have the right contact information with them should the unfortunate happen. A freephone number puts them in contact with our first response unit who will immediately assess the situation and if the matter was a non-fault incident, a whole range of services are then available to the subscriber, such as replacement like for like vehicle, repairs taken care of with no excess to pay, recovery of any expenses such as lost earnings. If anybody in the vehicle has suffered injury we first get the person referred for physiotherapy treatment and if they want to claim compensation for injury, an experienced lawyer is appointed, not a factory firm.

No insurance is necessary. Any legal costs are bourne by the appointed lawyer under a non win-no fee agreement and the subscriber keeps 100% of their compensation.

This is a revolution in motor legal protection. All the front line service of the best service providers in the industry, with no cost to the subscriber. Kind of how it should be don’t you think?

Motorists have never individually shopped around for this cover as it generally can only be purchased as an add-on alongside their motor insurance policy. So they either get stung for a £25+ additional premium, or they chose to not take out the cover in order to save money. This leaves them without assistance following a non-fault accident and they have to go searching for a claims management company or a lawyer at a time when there is enough stress and inconvenience due to the accident. are shaking up the establishment and providing motorists with a truly free alternative service that should have always been there.

In these times of austerity, this provides all motorists in the UK with a way of reducing their annual insurance costs, without having to compromise on the benefits usually found on a paid for motor legal protection policy.

This is not only open to private car drivers. We are able to look after motorcyclists, commercial vehicle operators and fleets of vehicles including taxis, buses, coaches and HGV’s.

Welcome to the revolution!