Its common practice these days for insurers to include on renewals an additional premium of around £15 for legal expenses cover. I currently have legal expenses cover on both my car and home contents policies: do I really need two lots of legal expenses cover?
For the amount of money involved its probably worth taking out legal expenses cover, and if you check the various policies you will probably find that they offer different benefits. The drawback very often is that you cant use your own solicitor, and you may not get much of a service from a firm based in Brighton or Milton Keynes. Check the small print of what youre being offered before signing up.