Regarding legal cover.

When I had my accident, I and the other driver had to pay our respective excesses. Then as the accident was my fault, he has to recover his excess from my insurance.

As he forgot legal cover he had to personally chase me to get the excess paid. I of course ignored it until he sent me a small claims court notice. Which I sent on to my insurers who paid his excess.

If he had legal cover, he wouldn't have to do any of that, as his insurance company would of recovered the excess, and paid him.

So for the hassle, you decide if it's worth it.