Tuesday, 7 October 2014

Evidence shows 28% of people are cutting back on insurance as they can't afford it

A survey by Close Premium Finance has revealed that over the past 12 months, 28% of people had been cutting back on their insurance arrangements, because they simply could not afford it.

In addition, some 15% of people had completely cancelled a policy of  insurance cover because of costs. The most likely age group to reduce or cancel insurance arrangements were 18-24 year olds.

The vast majority related to household insurance, but motor insurance cover still accounted for 8% of the surveyed people.

According to the AA British Insurance Premium Index, the average motor insurance premium in the UK in the 2nd quarter of 2014 was £504.29

At Free Motor Legal, we believe that you can make a saving on your motor insurance arrangements without having to compromise on your arrangements.

For example, if you are typically one of the many millions of motorists who still pay your insurer around £30 a year for motor legal protection cover, you can save this immediately by joining Free Motor Legal you can immediately start to save £30 per year per vehicle that you have insured. It does not matter how many vehicles you own and whether they are cars, motorcycles or commercial vehicles, you only need to join once.

Membership is free for life and therefore you do not need to renew with us each year. Better still, you can tell your motor insurers in the future that you do not need legal protection insurance.

By joining Free Motor Legal you are essentially gaining another 5%+ saving on your annual insurance costs, almost like having an additional year of no claims discount added.

Join the thousands who have already found the benefits of not paying for motor legal protection cover. www.freemotorlegal.co.uk

Tuesday, 30 September 2014

October Competition - win £50.00 of M&S Vouchers

OK it is competition time again, for the month of October we are running a free to enter competition which will see a lucky winner receive £50.00 of M&S Vouchers!

To be in with a chance of winning, all you need to do is:

 1- Join www.freemotorlegal.co.uk as a member on our website

 2- Like our Facebook Page (not this post)... https://www.facebook.com/freemotorlegal 

 3- Follow our Facebook page (make sure the "following" box is ticked next to the "like" button.

 4- "Share" the Facebook page

A winner will be randomly selected on 1st November. Free Motor Legal members who are already registered will automatically be entered (providing they have liked and shared the Facebook Page).

See, we include our existing members in competitions automatically (not like insurers who only give new customers the deals and rewards)


Wednesday, 24 September 2014

Unhappy Insurance Companies

The insurers are today upset about the decision of the Competition and Markets Authority telling them to get their house in order regarding pricing structures on the price comparison sites as well as more transparency over the sale of "add-on" products. Yet at the same time the CMA has advised that changes to the way the replacement "credit hire" industry operate are not needed at this time.

It would be a rare occasion if the insurance industry actually approached these debates with some actual transparency of their overall involvement in the non-fault replacement vehicle industry, instead of just trying to instil fear in people with threats of price hikes on insurance.

They moan about the cost of expensive hire cars etc, yet they created the problem all by themselves.

They stopped providing "courtesy cars" as part of standard cover, so their approved garages did not have to keep a stock of such vehicles ready for use at their own expense, but in return for this, the insurers hammered down the hourly labour rate for their repair work- so saved money which no doubt did not get passed onto consumers. They make money by selling an "upgrade" of added-on "guaranteed courtesy car cover" at usually £15 per annum to their policyholders.

However, the biggest problems for insurers is they are simply unable to distance themselves from the "credit hire" saga. Insurers fuel this whole industry by themselves as they inject the most motorists to these "expensive hire cars "simply by adopting the notion of cutting each other's throat, i.e. it is alright when it is their customer who is the non-fault party, they are happy to pass on the customer to all the trappings of credit hire etc, yet they squeal like pigs when they are on the receiving end of such charges as the fault party insurer.

A BBC article today contains the usual spin from the insurer lobby, namely the ABI. The sad fact is that most people will believe the rubbish that the insurers succeed in peddling through the press and the press in general seem happy to just print whatever rubbish the insurers release as newsworthy.

The original spin from the insurers was that by getting their way with controlling the replacement vehicle supply industry, another £20 a year could be knocked off your premiums. In reality, the study shows the reduction on average would be about £3.

Smart money is saved by being a member of Free Motor Legal, the free alternative to motor legal protection insurance. By joining www.freemotorlegal.co.uk you save typically £25 a year per vehicle in your household or business and that saving continues each and every year. You get all the same assistance as you would with a paid for policy, without needing to swell the profits of greedy insurers any further.

We are clear and transparent with our dealings and there is no deduction from any compensation you are awarded.

Driving down the cost of motor insurance, driving the winds of change. Free Motor Legal.

Thursday, 12 June 2014

Insurers still under the spotlight with the sale of add-ons

The Competition and Markets Authority (CMA) - (previously the competition commissioner) has advised of some of their early findings and recommendations that arise from their review of the "dysfunctional" way the motor insurance market operates.

Their full report with recommendations is expected this September after further consultation.

The watchdog has informed the Financial Conduct Authority (the governing body of the insurance industry) to look at how insurers inform their customers about motor add-on products.

A common motor insurance add-on product is motor legal protection insurance (MLP) or legal expenses insurance (LEI)

Alasdair Smith, chair of the private motor insurance investigation group and CMA deputy panel chair, said: "There are over 25 million privately registered cars in the UK and we think these changes will benefit motorists who are currently paying higher premiums as a result of the problems we've found."

Smith concluded: "We also find that the way motor insurance-related add-on products are sold makes it hard for customers to obtain the best value.
"We would like the FCA, as part of its on-going work looking at add-ons across all insurance products, to consider how drivers could be better informed in making their choices."

Free Motor Legal welcome these findings and recommendations as they will drive a better deal for consumers and also make them better aware of what products exist and make them better informed to make a decision whether to purchase an add-on, such as motor legal protection. For too long insurers have simply specified motor legal protection by default, requiring the customer to "opt out" of having the additional cover, usually priced at around £30 per vehicle/ policy.

The FCA has previously wrapped the knuckles of insurers for this practice, the price comparison sites in particular and they are now told that a customer has to "opt in" to such additional cover, rather than it appear as a default.

Free Motor Legal also believes that the way the add-ons are sold, typically packaged in at the point of sale of the main motor insurance policy, has often lead to people just agreeing to go along with the cover, rather than looking for a stand alone solution.

There are now more stand alone providers of motor legal protection in the marketplace, but they charge for the product and some of them even still want a deduction to be taken from the customer in the event they make a compensation claim when using the appointed lawyers.

Free Motor Legal members do not get charged for joining and if they pursue an injury claim, they keep 100% of their compensation - Guaranteed! No deduction from compensation and no "success fee" charged.

People still ask the question, "do I need motor legal protection?" We say, no you don't, but you do need Free Motor Legal

Wednesday, 11 June 2014

Who you gonna call?

Over the last few months we have been helping many of our members following non-fault collisions. Sometimes there are members who have contacted their insurers before calling Free Motor Legal.

This results, all too often, in the member being asked to pay their policy excess and then they need to claim this back by using their Free Motor Legal membership. We are quite happy to assist any member in this situation, but we have a better solution. Call us first!
By calling our freephone number 0800 144 44 88 to report the incident to our 24 hour claims team, you can often side-step the need to use your own insurance cover and this means you can avoid being placed out of pocket and having to pay any excess or other costs. Of course you still need to inform your insurer of the incident as your policy terms & conditions will require you to do this, but you can notify them of the incident "for information purposes only" after you have reported the claim to our claims line. 
Being a member of Free Motor Legal is all about getting the best post-accident service without having to pay any fees or expenses, so why put yourself in a position of having to pay your excess when this can be avoided in a great many situations?
Here is what some of our members have said recently after their claims were dealt with by our team.
"I would recommend Free Motor Legal to anyone as I already had this cover with my current insurer but they didn't even try to help" Mr M – Pontypridd
"I would just like to thank you for the fabulous service I have received - after all I have been through you have provided an excellent service and brought this to a resolution in a very short period of time" Mr N – Musselburgh
You have already made the smart move of saving yourself money year-on-year by becoming a member of Free Motor Legal, many are still to discover the new way of protecting themselves from unnecessary annual insurance costs, so make sure you use your membership for the full benefit you can receive by calling our 24 hour claims line first after a collision, we may be able to help and save you any further expense
We are not just there for repairs to a damaged car or bike. If you or any passengers in your vehicle are injured, we can arrange for treatment such as physiotherapy at the outset. Yes we will make sure that our specialist lawyers obtain you the maximum amount of compensation with no deduction being taken from your settlement, but rubbing your neck with £20 notes will not get rid of what can be a pretty unpleasant and intrusive injury, will it?
You have subscribed to what we feel is the best all round accident care package and this is free of charge. Why not use the benefits of your membership?
The insurance industry continue to charge for motor legal protection products and as long as people will keep paying for them, the insurers will continue to sell what we feel is an unnecessary and outdated product. It is boom time again for insurers, with record profits being announced, and they are only too happy to charge you £30 on top of your motor premium to essentially sell your details on to their business partners after an accident. You have already escaped the madness of buying motor legal protection, now make sure your friends and family don’t continue to fall for these tactics.

Visit our website at www.freemotorlegal.co.uk or take a look at our Facebook page https://www.facebook.com/freemotorlegal and "like" and "share" our page so that your friends and family can also discover the way to save money on each vehicle they insure in their household.

Until next time, happy motoring and enjoy what will hopefully be an excellent summer.


Tuesday, 11 March 2014

Insurers - your times of just adding in legal cover by default are over

Free Motor Legal were pleased to see the reports today that the Financial Conduct Authority (FCA) has now announced a crack-down on "add on" policies.


Reports say they are often poor value, the customer does not understand the product and all too often, does not even realise they have an add-on product as the sneaky insurer had added the extra trimmings as a default. This has related to all sorts of insurance products such as gap cover, additional cover for mobile phones or holidays etc.

Free Motor Legal is particularly interested to bring to the attention of the public that this practice has also happened with Motor Legal Expenses Insurance. All too often there have been cases of "legal cover" just being added in as standard (at extra cost to the customer of course!) leaving the customer with a product they either did not want or did not understand they had been provided with.

There is an alternative to this, which is to join www.freemotorlegal.co.uk it is free of charge, no need to renew each year as your membership just continues month on month. That way you can insist your motor insurer does not add on legal cover, knowing that if you have an accident that is not your fault, you have already signed up to a comprehensive accident management service which will take care of your vehicle and provide a specialist lawyer to claim back any costs or expenses you have incurred, without any charge to you.

The insurance industry will simply keep selling people these policies because people will keep paying for them (knowingly or not).

Spread the word to everyone you know as it does not have to be like this. You do not need to pay for "legal cover".

Thursday, 20 February 2014

Is everyone who pays for motor legal expenses insurance being ripped off?

Each year UK motor insurers receive hundreds of millions of pounds in premiums from customers for Motor Legal Expenses Insurance/ Motor Legal Protection Insurance.

The "policies" cost them less than 50p each to obtain, yet they sell them on for often in excess of £30.00. Now, £30 may not sound like much, but if you are a large insurer with say 1 million policyholders all taking out legal cover, that's £30m of premium income for £500k of cost. Not a bad day at the office eh?!

In principle, there's nothing wrong with making a profit if you are selling a useful product or one that actually does what it purports to do, but here is where it goes wrong.

In the vast majority of cases, these "policies" are just a piece of paper that promises a lot, yet delivers little. The man in the street simply does not understand how this cover works and wrongly assumes that the legal expenses policy they bought will save the day if they have a collision and need a lawyer to fight their case, regardless of who was at fault. Some people even mistakenly believe the cover protects them if somebody takes court action against them, it does not.

What a motor legal expenses policy does is cover your legal costs when you need to take action against another individual when you have incurred financial loss and possibly injury caused by an event that can be blamed on another person. OK so far?

The tragedy is that the actual "policy" seldom, if ever, actually gets claimed against or pays out any legal fees. The reason being that they all contain a clause which states your claim must stand "reasonable prospects of success" before they will agree to fund your legal fees pursuing a claim. There is nothing wrong with such a principle, but the "reasonable prospects" argument is also what gives these insures a get out of jail card to avoid paying any legal costs out. How does that work?

Put simply, if you have a collision with somebody and you are at fault, well you are not going to have any reasonable prospects of succeeding against them and there is no way the legal expenses insurer will agree to pay lawyers fees for a case that has no prospects or merit. Which is fair enough. But, where it does get fishy is with the claims that have prospects of success. In such cases, if you have a successful claim, the insurer of the person who you are claiming against will end up paying your legal costs, so the legal expenses policy never ends up paying our any costs. This is why they only cost the insurer 50p in the first place, because they policies never get claimed against! But you got charged over £30 for this "policy"

Put simply, they are a claims capture mechanism in order to refer policyholders with injury claims and vehicle hire needs onto lawyers and hire companies. Why? Well because the hire companies and lawyers will have a commercial arrangement to pay commissions back to the legal expense provider for referring the customer to them.

So for all these years you have been paying the extra £30+ with your insurance costs for "legal cover" you have frankly been ripped off.

With Free Motor Legal www.freemotorlegal.co.uk you join as a member free of charge. We do not sell or even give you a policy of legal expenses insurance because frankly, you do not need one. You only need to register once via our website or facebook page https://www.facebook.com/freemotorlegal  and then there is no need to renew annually as membership lasts for life. It matters not how many vehicles you own or insure, you only need to join once.

How can we provide this free and why is it not necessary to have a legal expenses policy? - We operate by the same criteria as the legal expenses insurers, i.e. you must still have a reasonable prospect of success for your claim. If you have prospects, then we will recommend one of our panel solicitors to act for you. They will act for you under a no win- no fee arrangement. There will be no deduction from any of your compensation awarded. Even if you just have a small amount of out of pocket expenses to claim for, our lawyers will still act for you.

Under changes to the law in April 2013, it is now the case that even if you take another party to court and lose your case, you will not be asked to pay their legal costs, unless your case is found to be fraudulent or you have failed to beat a reasonable offer of settlement made by the other party. This is called "qualified one-way costs shifting" - another reason why buying a legal expenses policy is now an outdated concept.

By being a member of Free Motor Legal, we can even avoid you incurring losses by avoiding the need for you to go through your own insurance and pay an excess after a non-fault accident. We can do this if you phone our claims reporting line before you phone your own motor insurers. If the incident is a non-fault matter and the fault party is identified, we can arrange for our partner hire company to manage your vehicle claim and arrange for inspection and repair of your damaged vehicle, whilst supplying you with an appropriate style of vehicle until your own vehicle is repaired.

The days of paying for "legal cover" really are over. People need to realise that the insurance industry has just been happy to take their money for many years for a product that is not actually necessary. Free Motor Legal are committed to helping motorists drive down the cost of insuring their vehicles whilst providing a better level of service without any charge.

We do make our money from the commissions our service providers pay us, but we have not charged you £30 a year to provide you with an outdated and unnecessary insurance product.

Register today for free and avoid ever having to pay for "legal cover" again.

Monday, 27 January 2014

Could you double your motor insurance savings by joining Free Motor Legal?

A report today on the BBC News website says that according to data supplied by the Association of British Insurers (ABI), motor insurance premiums fell by an average of £36.00 or 8.9% in 2013.


This is of course good news for all. But members of Free Motor Legal will have also saved themselves on average £30.00 per annum by simply joining www.freemotorlegal.co.uk for free!

Remember folks, not only will you save yourself £30 on average over 2013/2014, but you will continue to save that amount each and every year into the future as our membership is 100% free and there is no need to renew each year. So your membership just rolls on and you need never pay for motor legal protection/ legal expenses insurance cover again.

Many people are still being sold this cover per vehicle in the household. So a family with 2-3 cars in the household are paying for this cover many times over each year.

Help reduce the costs of your motor insurance, whether it is for cars, motorbikes, motorhomes or even for commercial vehicles, join the revolution and double your savings to almost 20% reduction on motor insurance costs by simply registering for free at our site 


Thursday, 9 January 2014

No Win - No Fee in the spotlight

I have blogged previously about how the RAC Motor Legal Protection policy they were giving away to their members had a sting in the tail, namely if the member made a personal injury claim using the appointed solicitors of RAC, they stood to lose 25% of their compensation.  http://blog.freemotorlegal.co.uk/2013/10/is-there-thing-as-free-lunch-i-was.html

This seems to be coming more common and other providers of legal expense insurance, where the customer has actually paid for legal cover, are finding novel ways of taking a share of any injury compensation by applying an "excess" to the policy or the deduction of a "success fee" by the lawyer.

This in my view pretty much defeats the point of paying for legal expenses insurance/ motor legal protection cover if you are going to lose some of your compensation to the solicitor they appoint to act for you. You would be just as well using your local High St solicitor under a no win-no fee arrangement, although he too would want to take a slice of your winnings as a "success fee".

Recently the legal ombudsman has released a report following a surge of complaints about solicitors deducting success fees following settlement of a claim, or pursuing their client for £1000's when the case turns sour. Often the circumstances can be unique to the case, but there appears to be a rising tide of these type of complaints.



Here at Free Motor Legal, any member that uses our recommended solicitors for a personal injury claim will be guaranteed not to have any deduction taken from their compensation. This is just one of the many reasons that makes sense to join the UK's leading free alternative to buying motor legal protection insurance.

Being involved in a road accident can be a stressful and sometimes life-changing situation. So why should you be punished by losing up to 25% of your compensation?

More and more people are discovering the value of Free Motor Legal, that not only saves you money compared to paying for cover each year, but also ensures that if the worst does happen and you need to claim for your injuries or losses, you are going to keep 100% of your compensation.


Lee Jones
Managing Director
Free Motor Legal Ltd