Legal Expenses Insurance

Providing Peace of Mind to Customers & Improved Financial Performance to Brokers Since 1988.

Significant Cover & Outstanding Customer Service

MSL’s legal expenses and assistance products provide customers with additional covers and our Broker clients with a significant opportunity to improve the financial performance of their business.

We offer a partnership approach, providing guidance and assistance to clients from the outset of our relationship. We see ourselves as an extension of your business and act at all times in the best interests of you and your customers.

In-House Underwriting

Financial & Legal Insurance, our sister company, underwrites our Legal Expenses products, giving us the ability to tailor policy wordings according to client needs and allowing us to swiftly adapt and change direction within the market place.

Dedicated Handlers

Dedicated handlers manage claims from FNOL through to completion; this single point of contact enables effective relationships to be established with customers. MSL’s fully in-house 24/7 x 365 FNOL service ensures your clients get the same great service both in and outside of normal business hours.

Our Own Fleet of Vehicles

We operate our own fleet of vehicles strategically placed at our network of managed bodyshops, providing a seamless repair and replacement vehicle service.
This reduced downtime ensures customers can quickly return to work or go about their business with minimal disruption.

A Customer-First Approach

The claims experience is very much the shop window of any insurance product and that’s why all our services, systems and processes are designed to create a customer-first approach, putting great customer service at the heart of everything we do.

Brokers require a flexible, robust solution for their customers. Through our unique approach to understanding each Broker’s business model and their customers’ needs we have become a vital partner, helping Brokers to exceed their customers’ expectations via our bespoke product and service offering.

Our customer-centric approach is demonstrated in our investment in Feefo to obtain customer feedback and refine our products and services.

This quality of service, claims handling expertise and our desire for continual improvement means that your customers have the best possible experience at a difficult and stressful time.

It’s this attention to detail that sets us apart and the reason why we continue to have long standing relationships with our Broker clients.

“Stress free solution to a stressful situation”

I have had to use MSL a few times now and every time I have been impressed with the speed of response and how quick you seem to be able to deal with a stressful situation. Keep up the good work!

December 19, 2019

“Straight forward”

Morgan introduced herself and explained the company’s policies etc. and politely asked me for my relevant details. As I did not have all details such as insurance company name, she assured me that she was able to get them via Watkin Davies. All in all made me feel comfortable answering the questions.

December 10, 2019

“Hassle free service”

Replacement car delivered next working day. Excellent customer care. Thank you.

December 07, 2019

“MSL make a difficult situation a lot easier!”

I will make sure I have MSL included every time I take out a new policy.

December 06, 2019

Reported my non fault accident. Courtesy car sorted within 20 minutes. Lewis was very helpful.

December 05, 2019

“Very positive, helpful and fast response”

An assessment was completed on the same evening as the accident and claim.

December 03, 2019

“Fast and efficient service!”

Very efficient in navigating me through the minefield of details that needed to be addressed. My call handler, Lewis, acted quickly, getting my replacement driving school car organised. He has responded very quickly and efficiently to all of my needs and questions. Well done!

November 28, 2019

“Prompt, efficient, friendly”

Yes, I would recommend them. My call was answered promptly and in a friendly and professional manner by Danielle. I received the confirmation emails and Bodyshop contact information very quickly. I was also given advice which I found very useful.

November 17, 2019

Our Specialisms

The Legal Expenses team manage a diverse range of customers and claims, including dual control, taxi, chauffeur and motorcycle.

Many of our customers are professional drivers so as each customer’s livelihood is paramount we offer the same efficient service in both fault and non-fault accidents.

Our Products

MSL’s Legal Expenses product range is designed to offer flexibility for Brokers and an excellent level of cover for their customers across a range of sectors.

Our products are sold solely through Brokers, Intermediaries and Insurers. We are unable to offer these products for direct sale to the general public.

Ancillary Products


We have partnered with an emergency service provider behind many household brands to assist your clients whether they need rescuing at home, the roadside or abroad. The same great service, every step of the way.

  • Rescue: UK roadside assistance & nationwide recovery
  • Rescue Plus: UK roadside assistance, nationwide recovery & home assist
  • Rescue Premier: UK roadside assistance, nationwide recovery, home assist & European cover
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Replacement Vehicle

A Replacement Vehicle policy enables your clients to remain mobile in the event their vehicle is a total loss or not recovered following a theft without compromising on vehicle quality.

  • Access to a replacement vehicle if your clients’ is declared a total loss or is stolen & unrecovered
  • An emergency helpline for fast & friendly advice
  • Delivery of a replacement vehicle within 4 – 24 hours
  • Choice of nationwide delivery address
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Excess Protect

Many drivers opt for a high voluntary excess to reduce their annual premiums.

This policy reimburses your clients following a successful payment by their Insurer arising as a result of fire, theft or vandalism, a fault or partial fault accident or where they are unable to recover their excess from a liable third party.

  • Multiple claims up to the sum insured
  • No age restrictions
  • Variable levels of cover available
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Support and practical assistance should your client lose their keys or find themselves locked out of a building or vehicle.

This policy ensures there is no excess to pay and that no claims discount on household or vehicle policies are unaffected.

  • Replacement locks, keys & locksmith charges up to £1,500
  • Locksmith call out charges where key are locked inside a vehicle or premises up to £1,500
  • Cost of public transport or reasonable taxi fares when stranded
  • Cost of reprogramming immobilisers & alarms
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“We have worked in partnership with MSL for a number of years and have found that they have always been keen to ensure that our clients are looked after by providing a professional friendly service.

Where possible they always try to go that extra mile to ensure that both our needs and those of our clients are met by adapting and accommodating our requirements.

Where other providers have in the past operated to their business model MSL have been proactive to work to ours thus enabling us to highly recommend their services.”

Stuart Hulbert ACII Chartered Insurance Broker, Co-Managing Director
Brents Insurance

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Fill in our form and one of our experts will be in
touch to discuss your claims requirements.

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