As a UK driver, which is more useful, No Claims Discount Protection or Motor Legal cover?

Are you fully comp or are you Third Party Fire and Theft/Third Party only? If you're TPFT or TP then legal cover is best. If you're in an accident then this will allow you an easier way to recover your money from the Third party on the assumption that liability isn't immediately admitted (if it is, the TP insurer is likely to contact you first to avoid any other groups 'helping' and bumping up the costs through car hire or whatever else). Be aware that this is still dependant on you not being considered at fault - if you are, then they won't assist anyway. If you're fully comp, it's not particularly necessary - your insurance company will have a repair outlay that they wish to recover from the third party anyway and they need to keep you on side. If it needs to go to court then the solicitor will contact you as they need you to represent the case, and they will generally ask you whether you have any costs to include. The outlay costs are normally agreed with the third party solicitors if it does go to court and then they just use your uninsured losses (eg excess) for court to keep the costs down, and the insurers agree between themselves to pay on whatever the court decides via an MOU.