What is motor legal protection?

Motor legal protection helps to cover any legal expenses associated with a car insurance claim.

John Lewis Car Insurance customers can add this optional extra to their policy.

A motor legal protection policy typically includes:

  • £100,000 towards legal costs

  • Personal injury cover

  • Legal protection for you and your passengers

What extra cover does it give me?

Motor legal protection isn’t a legal requirement. It also isn't usually included in standard car insurance policies. 


Our Legal Protection Cover is an optional add-on that gives you:

  • Up to £100,000 towards legal expenses where we believe you have more than a 50% chance of a positive outcome

  • Up to £25,000 towards defending a driving conviction

  • Help to pursue compensation following a road traffic accident that wasn’t your fault - where financial losses aren't covered by your standard car insurance

  • Cover for the cost of defending against some motoring offences 

  • Access to our 24/7 legal helpline on 03300 240 608


We can't provide cover if you were driving without a licence, disqualified or under the influence of drink or drugs.


Full policy details:

Motor Legal Protection policy (PDF)

Motor Legal Protection insurance product information document (PDF)


What is the difference between motor legal cover and legal liability cover?

Unlike Motor Legal Protection, legal liability covers:

  • Your legal liability for the death or injury of another person

  • Damage to property caused by you driving your car

  • Other insured drivers using your car with your permission


John Lewis Car Insurance includes legal liability cover as standard.

Whiplash reforms 2021

From 31 May 2021, you won’t be able to recover any legal costs for personal injury claims under £5,000 in England and Wales. If you want to make a claim you’ll have to go through the new legal process or pay for a lawyer.


If you have the Motor Legal Protection add-on, we can help:

  • Provide legal advice and support

  • Ensure you receive 100% of any damages awarded

  • Arrange physiotherapy, if required

  • With completing the forms in the online portal 

How many customers use Motor Legal Protection once they buy it?

In 2020, one in ten customers with our Motor Legal Protection used it to open a claim. On average, a customer with Motor Legal Protection recovers £500 more compensation than a customer without it.

Compare motor legal protection

Insurer Price
John Lewis £24.99
M&S Bank £26.29
Churchill £28.00
Admiral £24.95
Direct Line £28.00
LV £25.99
Co-Op £28.00

When might I use motor legal protection?

Motor legal protection can help: 

  • You and your passengers cover legal expenses when claiming compensation for accident-related injuries 

  • Cover medical costs

  • Recover loss of earnings if you’re injured in an accident that wasn’t your fault and you’re unable to work

  • Claim the cost of items that are damaged in an accident, if they’re not protected elsewhere

Do I need motor legal protection?

Before you decide to add Motor Legal Protection to your Car Insurance, check if you already have cover. 

In some cases, you could have cover through:

  • An existing car insurance policy, including someone else’s policy where you’re a named driver

  • A bank account package 

  • Your trade union

Not yet covered by
John Lewis Car Insurance?

Call us on 0330 024 0614  for more information on our car insurance policies, or get an online quote.

Simply select Motor Legal Protection when getting your quote to ensure this add-on is included in your policy.

Optional add-ons


Breakdown Cover

Choose from four levels of Breakdown Cover provided by the RAC, helping you get back on the road when you need it.


No Claims Discount

If you have 4 or more years' no claims bonus, we'll give you the opportunity to protect it.*

Read more

John Lewis Finance, John Lewis Insurance and John Lewis & Partners are all trading names of John Lewis plc. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. Registered in England and Wales (Registered Company Number 233462). John Lewis plc is an Appointed Representative (Financial Services Register Number 416011) of Covea Insurance plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register Number 202277). John Lewis Car Insurance is underwritten by Covea Insurance plc. Registered Office: A&B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales No. 613259.

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