HI Just took out a new car insurance police, and have just had the new insurers on the phone giving the hard sell on taking out legal cover as well. Apparently this includes a replacement car for 72 hours if my fault, or until claim settled if not my fault, £75 000 towards legal fees, and assistance with uninsured losses reclaim. I am a cynic, and am viewing this as being an excuse for getting another £30 out of me. In these days of "where there's blame, you can claim" adverts on TV, do I really need £75 000 to pay soliciters, and the replacement car will not be a big benefit, as I have another car anyway. Any thoughts as to whether this is worth doing? I take the view that if it's that good, it would be costing them money so they would'nt be offering it.