Although it's encouraging to see insurance products adapting to address the challenges faced by motorists, it's equally important for customers to be aware of these changes and understand the full range of benefits provided by MLEI. 

Traditionally, MLEI was seen as a way to recover uninsured losses after a non-fault accident like excesses, lost earnings or injury compensation. But as risks evolve, so has the cover. A number of MLEI products now offer: 

• Legal support for motoring prosecutions.  If you’re wrongly accused due to cloning, MLEI provides expert legal representation to challenge fines or summonses. 
• Help with vehicle disputes.  Whether it’s a disagreement with a repairer or dealer, or issues arising from misinformation on vehicle databases, MLEI can step in. 
• Protection against vehicle identity theft.  With widespread Automatic Number Plate Recognition (ANPR) and CCTV across the road network, the risk of being wrongly implicated increases. MLEI can help clear your name and resolve legal complications. 

MLEI is no longer just a low-cost add-on for uninsured loss recovery, it can be a vital shield against the growing legal risks of modern motoring. It’s therefore important for distributors and customers to understand the full scope of MLEI cover provided. 

Allianz Legal Protection has expanded its MLEI products to address these modern risks, ensuring customers aren’t left to fight complex legal battles alone. 

Motorists should be proactive in protecting their vehicle's identity. This can include: 

• Parking in secure, well-lit areas. 
• Using a garage or off-street parking when possible. 
• Investing in security features like CCTV, dashcams or vehicle trackers. 
• Regularly checking vehicle documents for any discrepancies. 
• Invest in low cost ‘theft resist’ screws for number plate fixing. 

What to do if you suspect vehicle cloning: 

• Contact the police and your insurance provider immediately. 
• Keep records of all communications and documents related to the incident. 
• If you receive any summons or accusations, do not ignore them. Seek legal advice promptly.