RAC Legal & Motor Claims

Motor Legal Expenses Insurance

How do we compare to your existing LEI provider?

RAC’s LEI policies are underwritten in-house by RAC Insurance Ltd. We have an experienced team of underwriters and experts who create and develop products and propositions, ensuring we have the capability to provide bespoke solutions for our corporate partners. As RAC is the underwriter, we can provide LEI cover direct to Towergate Insurance, with no intermediary company and can cater for all vehicle types from standard private car to more niche sectors like young drivers or HGV drivers. RAC also provide a ‘pay on use’ service for fleet customers who do not have LEI cover. This can benefit Towergate’s fleet customers, and is provided either on a flat fee or a percentage amount recovered per claim basis. For Private car customers, RAC will manage FNOL and Uninsured Loss Recovery (ULR) claims in-house, meaning that we have full control over the whole claims process. As there are no handoffs to external providers, Towergate Insurance customers will benefit from a smooth customer journey.

RAC’s Motor Legal Expenses Insurance for Towergate Towergate’s current HGV LEI product developed with RAC has resulted in a market-leading motor LEI product with additional cover such as:

Areas of cover

RAC Towergate product P Includes non-RTAs

Lawshield Towergate product

Uninsured Loss Recovery (ULR) / Personal Injury (PI)

O RTAs only

P All passengers covered

O Passengers - immediate family members

Non-RTA ULR Europe-wide cover, including non-EU nations Access to RAC’s Motoring Advice Helpline and Legal Advice Helpline Licensing disputes - Cover for representation when licence is at risk Travel protection - Cover for the cost of transportation of a vehicle’s occupants or alternative accommodation following an accident, attempted theft, fire or vandalism

Motor Prosecution Defence (MPD)

P Pleas in mitigation when pleading guilty

O Unknown

Indemnity - ULR Indemnity - MPD

P £100,000

P £100,000 P £100,000 P £50,000

P £10,000 (ability to review) P £10,000 (ability to review)

Indemnity - Motor Contract Disputes (MCD) Legal & Motoring advice Additional areas of cover Licensing disputes

P RAC’s Motoring & Legal Advice Helplines

O Unknown

P Cover for representation when licence at risk P Arrange collection & repair of vehicle P Offer replacement vehicle on credit hire basis P Transportation / alternative accommoda- tion following accident, attempted theft, fire or vandalism

O No cover

Post - accident assistance

O No cover O No cover

Travel protection

O No cover

,

RAC wish to build on the success of our HGV LEI product and become the sole LEI provider for Towergate. Offering:

a a a

Higher cover levels One provider A recognised brand