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| Could someone please explain what this legal protection insurance is for? | |
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To cover legal costs. E.g. if you cause a car accident you will usually get a fine and possibly have your license suspended for a few months. Now whether you have a good lawyer or no lawyer at all can make quite a difference, e.g. how high the fine will be or whether your license will be suspended or not.
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| Also, do you need two legal protection policies - one for the car issues and one for everything else? | |
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Most companies offer two different types of policies: one for car/road traffic-related issues and one for everything else.
Legal insurance is not mandatory, I would recommend it though.