Q1 – Do I have to contribute to the fees of the 1st Central Law? THE MINISTER – You don`t have to pay anything in advance, no matter what. If you already have comprehensive legal expenses insurance at the time of the accident, you do not have to pay any legal fees, whether you win or lose the case, subject to the reasons set out in questions 4 and 5 below. If you are not covered by legal expenses insurance, you must contribute to our lawyer`s fees at the end of the case. This contribution is paid from the amount of your compensation. Q2 – How much do I have to contribute to the fees of the 1st Central Law? A – It depends on the application procedure that is appropriate for your claim, but we will inform you before deciding whether to investigate us or not. You do not have to pay anything in advance, and any contribution to our expenses is set or capped at an agreed level of “% of damages” and paid at the end. If you have decided to take out after the Event Legal Protection Insurance (ATE), you will also pay this premium at the end of the case of your damages. You don`t need to take out this insurance, but in some circumstances, your damage could be at risk if you don`t have it. Q3 – Why should I contribute to my own legal fees if my claim is accepted? A – Prior to April 1, 2013, claimants usually received all their damages after the legal fees were resolved, but the government changed the law and new rules were introduced in late 2012 and early 2013, which dramatically changed the funding situation. The rules for RTA claims where the infringement is estimated to be/below £5,000 were then changed again for collisions occurring on or after 31 May 2021.
We will explain at the beginning how much (if any) your contribution will be at our expense before officially confirming our instructions. Q4 – Do I still have to pay anything if my personal injury claim is accepted? THE MINISTER – There are rare circumstances in which claimants have to pay something for the other party`s legal costs, even if compensation has been awarded. This could happen if your case is not a small claim and the other party makes a “formal offer under Part 36,” which is then rejected by you but later turns out to be a reasonable offer. If this is the case, you may have to pay the other party`s legal fees from the date shortly after the offer. These costs are usually limited to the value of your compensation, so while your compensation can be used for these legal fees, you would never have to pay again. An exception to this rule would be if your claim was found to be dishonest or fraudulent; In this case, you may be ordered to pay other legal costs. However, legal fees ordered against our clients are rare, as we give our clients clear advice on when to accept offers and reject them. Q5 – Do I still have to pay anything if my claim is not accepted? THE MINISTER – Unless your application has been rejected (deleted) by the court or has proven to be dishonest or fraudulent. In these circumstances, you may be ordered to pay all of the other party`s legal fees and your own attorneys` fees.
About our insurance services 1ST CENTRAL Value provides car insurance at the lowest possible price and differs from our 5-star Defaqto rated product. Inquire about an offer for a new policy: Webchat 0333 043 2044 There are a number of assumptions we will make when you receive a quote and purchase your insurance policy. The vehicle: Cover yourself and save yourself the money needed to spend expensive legal fees that can add up quickly. If you have an accident and it`s not your fault, we`ll give you up to £100,000 in legal fees to help cover losses and uninsured costs. Their coverage covers 90 days of travel to each EU country, Croatia, Iceland, Norway, Switzerland, Liechtenstein and Andorra. If your renewal date is due within the next 30 days and you do not wish to renew, please call us on 0333 043 2055. If you cancel your direct debit order, your policy will not be automatically terminated and additional charges may apply. The following are included by default when you complete coverage of the 1st CENTRAL value. Learn more about our approved repair network below. If you are waiting for an invoice because your car cannot be repaired: For all other policies, please call us on 0333 043 2066. At 1ST CENTRAL, we offer a range of optional extras so you can tailor your car insurance to your needs. Our car insurance add-ons provide extra peace of mind, provide extra support when you need to make claims, and ensure you can get on with your day.
This is our standard product where you manage and edit your policy through your account with no management fees. If you have legal expenses insurance included in your policy and would like to make a claim, please contact 1ST CENTRAL as soon as possible after the date of the insured event – learn more on our Complaints page. We offer different levels of RAC breakdown coverage to meet your needs and get your car up and running again. £25 Telematics Sensor FeeIf you have a 1ST CENTRAL Connect telematics policy and lose the sensor or need a new sensor after a vehicle change, we can provide you with a replacement for an amount of £25. Please note that if changes are made to your policy during the year or if your policy is terminated, any amount due, including fees and charges, if any, will be applied to the most recent payment details we have stored for you. You must provide your 1ST CENTRAL engine policy or claim the part number. Fire and theft extended by third parties1ST CENTRAL Legal1ST CENTRAL Plus (with puncture protection)1ST CENTRAL Premier 1ST CENTRAL Value 1ST CENTRAL Connect1ST CENTRAL Online Our FAQ is here to help you and can answer some questions you have, but if you want to call us, our team is at your disposal on 0333 043 2022 from Monday to Friday between 9am and 6pm. If you would like to send us documents, photos, car seat purchase receipts or personal belongings damaged by your incident, you can do so online through your account. You can also find out if there is an impact on your reduction without complaints and check the current status of your claim. If you have a question about a claim but don`t want to pick up the phone, you can message us in the online chat Monday through Friday between 9 a.m. and 6 p.m.
and one of our representatives will be happy to help you. On this page you will find a summary of what is covered in each of our products and help you know exactly what level of coverage is right for you. Adding legal cover to your car insurance with 1ST CENTRAL ensures that we can provide you with up to £100,000 to help you secure uninsured losses and costs if you are involved in an accident that is not your fault. We will replace or repair your car, spare parts or accessories if they are lost, stolen or damaged. Our 1ST CENTRAL Value product offers comprehensive car insurance at the lowest price. It differs from our Defaqto rated 5-star product because it has a higher deductible and does not include coverage for glass damage, loss of personal belongings, personal accident coverage, audio equipment or our uninsured driver promise. This coverage is only complete. These documents include a summary of what your policy and optional extras cover, as well as any exclusions that may apply. This is our core product, which generates a lower premium for our customers. More than a car? We have the solution for you.
Our Multicar insurance will save you £50 for every extra car you or a member of your household insure with us. Customize your coverage to your needs by exploring our selection of optional extras. We offer full or third-party, fire and theft policies with a variety of products that offer a number of different add-ons and benefits. We offer live chat on our sales pages, in your account, and on our help and support page. Look for the blue chat icon at the bottom right of the page. You can view all your insurance documents and correspondence in your account. Report a new claim: 0333 043 2011 24 hours a day, 7 days a week This is our standard product with an added benefit of RAC breakdown coverage. We help you financially by providing you with up to £60,000 per person if an accident results in serious injury or death.
If you have an existing auto insurance policy with 1ST CENTRAL and want to add legal expenses insurance, don`t worry, you can purchase this coverage at any time of the year. At 1ST CENTRAL, we offer affordable car insurance with excellent coverage, as well as a number of optional benefits and extras that give you complete peace of mind. You will receive a free Class A courtesy car (e.g. a small sedan) while your car is repaired by one of our registered workshops. We will give you a rental car for up to 28 days and deliver it to your home, so you can go about your daily business without interruption. If you`re unfortunate enough to be involved in an accident for which you`re not responsible, legal expense coverage gives you access to a team of auto claims specialists to help you recover your costs. Legal Expense CoveragePersonal Accident CoverageRental Car CoverageCUe of BreakdownRAC Breakdown Protection RAC Breakdown Protection RAC Breakdown Protection RAC Breakdown ProtectionRAC Breakdown ProtectionRAC Breakdown ProtectionRAC Breakdown Protection RAC Breakdown Protection RAC Breakdown Protection RAC Breakdown Protection Breakdown Coverage If you purchase insurance with 1ST CENTRAL, you need to make sure that:. Failure to provide us with these facts when prompted may invalidate all or part of your policy.