New Government Civil Liability Act

This affects all UK motorists, it’s very important that you read this. We offer the most comprehensive cover available and our new policy is designed to give you the best cover and price in the UK.

The government has introduced a law regarding the pursuing of personal injury claims by motorists and passengers, the reason for this legislation is that the government want to lessen personal injury claims in particular for whiplash.

From the 1st of May 2021 motorists will not be able to claim solicitors fees as part of their personal injury claims up to £5,000 per person.

We have decided that this will cause problems for our clients and we are offering a new policy, which will include reclaiming any personal injury claims up to £5,000 free of cost.

Effectively our service remains the same, offering the best possible help to our clients when they need it most. All clients regardless of the size of the claim, will be looked after by experienced Solicitors.

Our Legal Protection policies are Underwritten by RSA (Royal Sun Alliance) a household name for first class insurance. We hope that you agree with our decision and can continue to support us in looking after your needs.

The amount of cover is up to £100,000 which is the most offered by the insurance industry.

We are absorbing most of the extra premium needed to offer this additional cover, which will leave a small additional premium, we are determined to offer the best possible prices and cover for our clients during this difficult period as we hopefully come out of the pandemic.

We only act in the best interest of our clients. It is possible to have a much cheaper version of our policy which means clients sorting out their own claims, but as most motorists are aware claims can be complicated and need the attention of legal advice. We hope our clients agree.

We are offering several important additions to our policy which are listed below:

New additional cover for all clients

Full cover in UK and EU countries
Vehicle service and repair disputes
Vehicle purchase disputes
Vehicle contract disputes
Post-Traumatic Stress Disorder (PTSD)
Overseas hire car disputes
Replacement vehicle and vehicle repair
Hire car provided, nothing to pay

Covered as standard in all our policies

Personal injury claims
Uninsured loss recovery, policy excess recovery and loss of income
Legal helpline
Vehicle identity problems
Illegal towing and clamping
Motor Insurance Database disputes
Claims against uninsured drivers and vehicles
Motor prosecution defence
24/7 vehicle recovery after an accident recovery
Unenforceable parking fines
Pothole damage
Storage charges
24 hours a day, 365 days a year advice assistance
No amendment fees for change of vehicle, change of address
Cover for Motoring Criminal Prosecution – defence of a driving conviction if there is a risk that your driving licence could be revoked or suspended
Legal costs up to £100,000 – We have never experienced any complaints from any client's in 40 years of experience or seen a client needing more cover than this

Stand alone Motor Legal Protection Insurance

Our stand alone Motor Legal Protection Insurance is the same as that offered by expensive insurance companies, but at a fraction of the price and without any loss in quality.

Working in your best interests and for the best results possible, we help you recover your losses that you are not covered for by other insurance policies that you may have.

MEMonline only sell quality insurance products

MEMonline Motor Legal Protection is underwritten by Royal Sun Alliance, a large multi-national company that are also authorised and regulated by the FCA. We only offer insurance cover on our products.

Over 40 years experience

MEMonline have been trading for over 40 years and have experienced staff to help with any problem you may have. We are regulated by the Financial Conduct Authority and adhere to their strict code of conduct.

Fantastic Quality and Unbeatable Value

We never use gimmicks or tricks to attract business and only sell quality insurance products, giving our clients a clear idea of what they are buying. That is why we give a 21 day cooling off period where clients can cancel and receive a full refund.

Review sites

MEMonline have been awarded a 100% approval rate with Scamadviser, an independent site assessment company. We supply them with information to show that we give a genuinely great price, backed by an excellent service. In addition they thoroughly check into our background, business practices, the security of this website and the financial security of our company.

After over 40 years of insurance experience we know that people expect good service and rarely put positive reviews onto sites like Trust Pilot and Review Centre, usually they put reviews on these sites to warn others of bad experiences. Unfortunately some companies put their own positive reviews on these sites to enhance their own business and to mislead consumers.

Our advice to clients is to be wary of too many positive reviews and firms that push these reviews on their own site. Often unscrupulous companies are trying to justify higher prices for their products with this behaviour.

MEM Online
Insurance company / broker standard cover
Cover for Motoring Criminal Prosecution
YES
VARIABLE
Repairs to Vehicle
YES
YES
Trading Period
Over 40yrs
N/A
Registered with Financial Conduct Authority and bound by their strict criteria
YES
YES
Recovery of policy excess
YES
YES
Supply of replacement vehicle
YES
YES
Recovery of your own vehicle
YES
YES
Recovery in the case of an uninsured driver
YES
VARIABLE
Storage charges accumulated
YES
YES
Loss of earnings recovery
YES
YES
Damage to personal property
YES
YES
Personal Injury
YES, YOU KEEP 100%
VARIABLE
Other out of pocket expenses
YES
YES
21 day no charge cancellation period
YES
NO
Separate policy for extra vehicles
YES
YES
24 hour 365 day service for advice
YES
YES
£100,000 of Solicitor's fees available
YES
YES
Pothole Damage
YES
NO
Policy amendment fee
NO CHARGE
VARIABLE

Customer Service guaranteed

MEMonline are Registered Insurance Brokers (details at the foot of each page) and have been trading for over 40 years. We have tens of thousands of clients and have never experienced any complaints or seen a client needing more insurance cover than we provide.

Our aim is to give client’s the cover they need at an affordable price, with our Legal Protection Insurance being virtually identical to that offered by your insurer or broker.

We are not a ‘no win no fee business’ and we offer a 21 days cooling off period, which no other UK insurer offers. Any legal protection product is only applicable in the event of a non fault claim.

With GDPR coming into effect on May 25th 2018, we want to reassure you that you will still receive important updates about our products.

However, at MEMonline we always aim to deliver the best possible experience for our clients. That’s why we’re giving you the option to receive email notifications about our new product launches, useful guides, industry news and event invites by opting in below.

Customer Data Security

We take customer data security very seriously at memonline, that is why we use multiple methods to keep our client data safe and secure.

Click here to view our Privacy Notice.

Our’s is the best motor legal protection insurance offer in the UK.