What's the panels view on add-ons to car insurance policies? I'm thinking: Legal Expenses and Personal Accident Cover for instance. Are they worth the additional premiums or are they just a bit of a 'con'. Has anyone actually used Legal Ex and was it worth it? I've just had my renewal notice and it's been hiked by nearly £80 more than last year for no other reason than they can. Actually it was £100 but I talked them down £20. Unfortunately they are still competitive so it looks like I'm just going to have to swallow the pill but wondered if I could save myself a bit by refusing the add-ons.