If you have a road traffic accident that's not your fault Legal Expenses Cover will pay for legal fees to recover uninsured losses such as injuries, insurance excess, lost earnings, travel, accommodation and personal belongings.

No win no fee solicitors compete for road traffic accident victims who do not have any legal expenses cover but only pursue larger claims that are easy to win such as whiplash where it's very difficult to disprove an injury.

Car insurance companies provide Legal expenses cover as a an optional extra on the main policy for around £30 and there are independent insurers that only specialise in Legal expenses protection offering cover for about half the price.