Legal expenses insurance provider ARAG has recently announced
a partnership with specialist telematics based Insurethebox and will be
providing legal cover for around 250,000 of their policyholders. Mandatory
legal expenses insurance is now incorporated in the standard car policy for all
customers and can be supplemented with an enhanced package which includes
replacement vehicle cover for at fault, fire and theft claims together with car
cloning cover, motor prosecution defence and legal services assistance such as
legal, tax and counselling helplines.
It is possible to provide such significant policy benefits to
drivers as young as 17 because they have shown their commitment to safer car
ownership when agreeing to have their driving style monitored by the in-car
'black box'. Up to 21 days' insured car hire is available following total loss
arising from a fault accident, fire, theft or vandalism so that the
policyholder can remain mobile in the event of a claim.
“Those who have opted for safer driving rewards may still
become involved in accidents through their own inexperience”, comments David
Haynes, Head of Underwriting & Marketing at ARAG. “We can provide the
benefits that many will not even know they need until such time as they have a
claim. Adding all these safeguards early in their driving experience
complements a reward-based approach to insurance and hopefully influences their
buying choices for the future”.
Car cloning cover has a particular significance as increased
automatic number plate recognition (ANPR) surveillance reveals previously
undetected cloned vehicles on the roads, with fixed penalty notices or notice
of intended prosecution arriving through the letterbox. Typical claims involve
appeals against parking fines or allegations of a criminal offence having been
committed. ARAG cover helps defend, mitigate and resolve difficulties that
ensue and is twinned with ID theft protection as well as helplines to advise
and support victims.
ARAG predicts this innovative cover is the precursor to a new
generation of specialist policies that, over time, will become far more
mainstream.
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