You can get legal protection on your home insurance, so you may not need it. There are current changes happening to the criminal bill currently going through the House of Lords, they are looking at changes to the small claims threshold in raising the limit from £1000 to £5000. This means that if you have an accident and get whiplash, you will no longer be able to get a solicitor on a 'no win, no fee' basis, also known as a 'conditional fee arrangement'. You would have to fund your own solicitor to claim for your injury, and you may not be able to recover these fees from the at fault party. It's quite literally eroding your legal rights to claim. As such, I highly recommend purchasing a policy that provides cover for legal costs. Make sure that you read the entire policy. Alternatively, sign up to www.freemotorlegal.co.uk/ and get it for free.