If you're looking to up the ante on your car insurance for the smallest possible spend, there's a high chance that you've considered Motor Legal Protection.

A policy like this designed to help you after a non-fault accident, an event in which most standard car insurance policies fall short. The product in itself is fairly straightforward, but with so many options available, choosing how to arrange this cover can be difficult task.
To make things a little easier we’ve outlined the various ways in which you can buy Motor Legal Protection. Pros and cons considered for all, after reading this you’ll have a better idea how you might like to buy this essential extra.
With your Car Insurance Provider

Regardless of how you buy this product, the companies that issue legal expenses policies in the UK are comprised of a small subset: Allianz, DAS, Aviva, Capita and Legal Protection Group. And so if you’re tempted to buy with your insurer because of their reputability, don’t let this be a decider; the quality of the service provided if you needed to process a claim would be comparable, regardless of who you buy with.
As a Stand-alone product

Buying this stand-alone however, does take more time and effort. Granted it’s not as easy as a simple tick-box, but if it can lower your car insurance costs considerably, then it’s worth consideration.
The Alternative
Rather than taking out a traditional motor legal protection policy, there are some alternatives. One such is a Motor Legal Membership. Memberships such as these provide legal cover when required at no cost. However, because this is not a paid for policy, there are some major differences in how you are protected. Firstly, membership to such groups is usually on the condition that any services provided to you after an accident, such as legal defence, are by companies of the organisation’s choosing. While this isn’t necessarily a disadvantage to you, it does restrict the range of services available to you. The affiliative nature of this term of the membership is also a hint at how “free” motor legal agencies get by. Secondly, relying on membership like this means that you may not get quite as much cover as a paid policy, so if you’re after a like-for-like replacement car then this may not be the best route to take: after all, free cover can only get you so far.

Knowing Your Options
So there you have it: your options when it comes to buying motor legal protection. It’s a strongly held belief that if you put the hard work in, the benefits will follow and in this instance, it couldn’t be truer. The more research you do, it seems there’s a more opportunity to get a better deal. Sure it’s not a legal requirement, but for the reassurance and genuine aid it provides it’s certainly a handy policy to have. And if you’re able to get the same benefits at a better rate then it makes sense to make the switch.
Discount broker Best Price FS provide stand-alone, quality Motor Legal Protection for just £6.75 a year and includes £100,000 worth of cover and unlimited like-for-like vehicle hire as standard. More details about this cover can be found here.