Legal expenses insurance is designed to help recover out of pocket expenses that occur as a result of an incident that is either not your fault, or partially not your fault. The policy helps to pursue personal injury claims as a result of a road traffic accident (RTA).  It's needed because you, as a driver, are not covered for personal injuries under your own insurance policy. It can help cover the cost of a hire vehicle and can also help with recovery of your policy excess and other out of pocket expenses that you may have incurred as a result of that accident. For example, if you're on the way to the theatre and have an incident which means you attend the show, you may be able to claim back the cost of your theatre tickets.