Take a Closer Look
Civil Liability Act and Motor Legal Expenses

21st June 2021

At the end of May, we finally saw the implementation of the highly anticipated Civil Liability Act. These changes directly impact on motor legal expenses policies and a customer’s access to legal representation going forward and it’s important we all understand what’s changed and how it will impact upon the claims journey a customer could now follow.

Following the introduction of the Civil Liability Act, small personal injury claims (under the value of £5,000) can now be processed directly by the customer on the newly created online OIC portal. However, for these claims, the customer will no longer benefit from legal representation unless they choose to instruct their own appointed legal representative or purchase a motor legal expenses product that will cover legal costs in the event of a claim.

As a market-leading claims management provider of hire, repair and mobility services, Kindertons has taken a personal responsibility to work in close collaboration with their business partners to deliver a credible solution which offers customers real value and the appropriate levels of protection they will now need in a post-reform world.

By providing customers with a Kindertons motor legal expenses policy, they will continue to benefit from legal representation at no cost, regardless of the limit of their claim – giving customers peace of mind and valuable support and guidance if required.

Kindertons strive to always deliver ‘best of breed’ products, always with the customer claim journey in mind. They have therefore used this opportunity to also further enhance the level of cover they offer. By choosing a Kindertons motor legal expenses policy, a customer will now also benefit from the following new heads of cover:

  • Vehicle servicing and repair disputes
  • Vehicle purchase disputes
  • Vehicle contract disputes*
  • Overseas vehicle hire disputes
  • Post-Traumatic Stress Disorder
  • Replacement vehicle and vehicle repairs**

*including hire purchase, lease and PCPs to cover issues regarding vehicle return and condition, excess mileage charges etc.

**subject to damage caused by the negligent or wilful act of a third party

The Kindertons motor legal expenses product is underwritten by RSA, an ‘A’ rated UK insurer.

Christian Lindley, Group Sales Director at Kindertons, was recently interviewed by Modern Insurance Magazine on how as a business Kindertons has chosen to respond to the Civil Liability Act. A copy of the full interview is available Click here.

If you would like to understand this subject more or are looking for a bit of advice, please contact your Blink IS Business Development Manager who will be happy to assist.


Full underwriting terms and conditions apply, please ensure that all of the contractual documentation is read and understood prior to use. This facility is marketed and distributed by Blink Intermediary Solutions. Blink Accident Management is provided by Kindertons Limited.

Kindertons Limited are authorised and regulated by the Financial Conduct Authority (FCA) Register Number 306969. Kindertons Limited is regulated by the Ministry of Justice in respect of regulated claims management activities; its registration is recorded on the website www.claimsregulation.gov.uk Registration number 2039. Access to this facility is subject to approval by the product provider only. Blink Intermediary Solutions is not part of the approval process and is not the product manufacturer. Some products/facilities are not available in all territories. The intended recipients of this content are UK FCA-regulated insurance brokers. Full details of FCA authorisations can be found at www.fca.org.uk. This information is correct at the time of production, but may be subject to change.

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