Legal Care Plus is the RAC’s motor legal expenses insurance policy that is there to provide the cover you’ll need if you’re involved in a car accident that wasn’t your fault. 

What Is Legal Expenses Insurance?

Motor legal expenses insurance is designed to make sure policyholders don’t lose out financially if they are involved in a road traffic collision that is not their fault by covering things such as loss of earnings, policy excesses and the cost of making a personal injury compensation claim.  Your car insurance policy won’t help you to claim these back, so without this cover, you’ll either have to pay for a solicitor to try and claim these back for you, or could lose out completely.

The average cost of buying legal expenses insurance with your car insurance policy is around £30, whereas RAC’s Legal Care Plus policy is just £15. Legal Care Plus will do all of this for you, as well as covering up to five policyholders on the one policy.

Legal Defence and Disputes

Our legal expenses insurance policy also helps to cover legal costs if you’re facing prosecution for a motoring offence which you want to contest, as well as helping to cover legal costs for any disputes you may have after buying or selling a car, or concerns you may have with the garage about poor servicing or repair work.

24/7 Legal Advice Helpline

Unlike some other legal expenses insurance policies, Legal Care Plus includes a 24/7 legal advice helpline which offers advice on any personal legal matter you may have.

Legal Care Plus is around 50% cheaper than most other motor legal expenses insurance policies out there.

Up to £100,000 cover for legal expenses
Just £15 a year - you could pay twice that elsewhere*
24/7 Advice on personal legal matters within the UK

Legal Care Plus Cover

  • Uninsured loss recovery. Up to £100,000 legal expenses cover following a non-fault accident, helping you to recover uninsured losses such as your policy excess, loss of earnings or personal injury compensation.
  • Legal defence. Up to £25,000 legal expenses cover if you've received a summons for an alleged motoring offence involving your vehicle.
  • Travel costs. Up to £1,000 cover for travel costs relating to legal proceedings where the accident occurred in Europe.
  • Consumer disputes. Up to £5,000 legal expenses cover to help you pursue breach of an agreement following the purchase, selling, service or repair of a motor vehicle.
  • 24/7 Advice on personal legal matters in the UK including - Wills, Probate, Employment, Family and Conveyancing matters.


Legal Care Plus FAQs

Is this the same as the legal expenses cover that I may have as part of my car insurance?
You should always check whether you already have motor legal expenses cover elsewhere and exactly what you are covered for. Our Legal Care Plus product is designed to make sure you don’t lose out financially if you’re involved in a car accident that isn’t your fault. Our cover, which is often half the price of competitor products, also comes with 24-hour access to our legal advice helpline.
Can I purchase legal expenses insurance without breakdown cover?
Yes, Legal Care Plus is our stand-alone motor legal expenses product and you do not need to have RAC breakdown cover.
How many cars can I have on my legal expenses insurance policy?
Unlike the motor legal expenses insurance that may be included or added onto your car insurance policy, Legal Care Plus covers you as an individual rather than only covering the vehicle you drive.
I need to make a claim on my legal cover policy, will you appoint a solicitor to act on my behalf, or do I have to find my own solicitor?
We will appoint a specialist solicitor with a proven track record to act on your behalf for any claim made that is covered under this policy, so you can be safe in the knowledge that your claim is in good hands.
If I am injured and use your solicitors, will they take any fees out of my compensation?
No. We’ll put you in touch with a specialist solicitor to support you following an injury and unlike some providers, you get to keep 100% of your compensation.
Can I add family members on to my Legal Expenses Insurance policy?
Yes, you can add up to four members of your family onto your policy, providing they all live at the same address as you.
Will this legal cover policy cover my passengers if we are in an accident together?
Yes, any passenger in your vehicle is covered for the recovery of their uninsured losses which could include making a claim for personal injury compensation.
Will my legal expenses insurance policy cover me if I have an accident abroad?
Yes, the policy provides you with representation to help recover your uninsured losses or to defend a motoring prosecution throughout Europe.
Does the legal advice helpline cover the cost of appointing a solicitor on any area of law?
Legal Care Plus is the RAC’s motor legal expenses insurance that covers the costs of appointing a solicitor for the areas covered under the policy. However, we understand that you may need help with other legal matters and so as a separate benefit of this policy, we will provide you with access to our telephone helpline, providing initial advice on a range of other personal legal matters. If you need to progress one of these matters beyond our initial advice and appoint a solicitor to act on your behalf, then you will need to cover the cost of this yourself. However, we may be able to recommend a solicitor to help you resolve your problem.
I am no longer driving, does this mean that I need to cancel the policy?
While some benefits of RAC Legal Care Plus are purely motoring-related, the policy can also provide you with representation if you have been injured in a non-motoring-related incident, such as a slip, trip or fall. You also have access to our legal helpline 24 hours a day, 365 days a year for advice on any personal legal matter.

Company Information

Products & Services

03 numbers are charged at national call rates and included in inclusive minute plans from landlines and mobiles. Calls may be monitored and/or recorded.

* Our Legal Care Plus cover is nearly 50% cheaper than most legal expenses insurance policies typically purchased as an add-on to a motor insurance policy. Source: Comparison of car insurance premiums with add-on Legal Expenses Insurance completed on the 23 February 2018 using www.comparethemarket.com. Each policy will cover specific claims to different degrees. Restrictions may apply.

RAC Legal Care Plus is arranged and administered by RAC Financial Services Ltd (Registered No 05171817) and provided by RAC Insurance Ltd (Registered No 2355834). Registered in England; Registered Offices: RAC House, Brockhurst Crescent, Walsall WS5 4AW. RAC Financial Services Ltd is authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activities. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. 

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