What is legal expenses insurance?
With legal expenses insurance, you are insured for assistance and advice in legal problems. This means you have the right to independent legal assistance, without having to worry about the legal costs. It’s a reassuring idea, as the costs of, for example, a lawyer can add up quickly.
What is covered by legal expenses insurance?
As mentioned, you are insured for legal assistance and advice. This assistance is provided by the legal experts who are employed by the legal expenses insurance company where you have your insurance. However, whether you actually receive this assistance depends on the coverage or modules that you choose when taking out the insurance. These coverages or modules relate to the type of legal conflicts that you are insured for, such as:
For conflicts that you may face as a consumer. For example, if you purchase something but the seller refuses to deliver it.
- Work & Income
For conflicts with your employer. For example, in cases of dismissal or reorganization.
For conflicts related to your rental or purchased home. For example, if there are issues when you buy or rent a house.
For conflicts that arise in traffic. For example, if someone causes damage to your car and refuses to cooperate in settling the damages.
- Tax and Wealth
Conflicts related to taxes and your wealth.
For conflicts that arise within the family. For example, regarding the distribution of an inheritance, but also regarding agreements about the children after a divorce.
For example, if you have conflicts due to injuries caused by medical errors.
Are you immediately insured after taking out legal expenses insurance?
For certain coverages or modules, there may be a waiting period before you are insured. During this waiting period, you are not insured for legal assistance. This is to prevent people from quickly taking out legal expenses insurance when there are already smoldering conflicts, for example, if there is an impending reorganization at work.
What does legal expenses insurance cost?
The premium amount depends on several factors, such as your family composition and the coverages you choose. In addition, a possible deductible can lower the premium again.
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