Legal conflicts do not stop at family life: disputes with neighbours, disagreements with an employer, trouble with contract partners or conflicts about housing. Family legal expenses insurance (Familienrechtsschutzversicherung) protects all family members together and broadly against the costs of such legal disputes.
Family legal expenses insurance covers private life, work and traffic and is usually valid for the policyholder, their partner and all minor children living in the household. Adult children in first-time training can also be covered, depending on the tariff. That makes family legal expenses cover especially economical: one contract protects the whole family.
Typical cases in which family legal expenses cover applies: a dispute with the employer about a warning or dismissal, a conflict with the landlord about a rent increase or service-charge statement, a traffic accident where fault is unclear, or a dispute with an online seller about faulty goods. In all these situations the insurance makes sure you can enforce your rights.
The initial consultation with a lawyer is especially valuable, and many tariffs offer it by phone: a first overview of the legal position, without instructing a lawyer straight away, often helps in making quick and sound decisions.
We find the family legal expenses cover that fits your family set-up and everyday needs.
Family legal expenses insurance: benefits
Costs covered up to the sum insured: Lawyers' fees, court costs, witness expenses, expert costs, interpreter fees, the other side's costs, advance payments. Free legal advice by phone (also for uninsured cases). Mediation costs.
Also insured: Children in the household or until they start work (also in care facilities), spouses/registered partners (regardless of where they live), persons living in a shared household with their main residence. Single-with-child tariff for single parents.
Areas of law by tariff:
- Basis/Smart: Private and traffic legal expenses cover (Smart adds employment law)
- Komfort: adds housing legal expenses cover, preventive services
- Premium: Unlimited sum insured, all areas, capital investments up to 100,000 euros
Waiting periods: 3 months (private/work/housing), none for traffic.
Optional: Criminal legal expenses cover at work, landlord legal expenses cover.
Family legal expenses insurance: tariff comparison
Basis: 1 million euros Europe, 100,000 euros worldwide, 100,000 euros criminal bail. Private + traffic. Smart: 3 million euros Europe, 300,000 euros worldwide, 300,000 euros criminal bail. + Employment legal expenses cover. Komfort: 5 million euros Europe, 500,000 euros worldwide, 500,000 euros criminal bail. + Housing, preventive services. Premium: Unlimited Europe, 1 million euros worldwide, 1 million euros criminal bail. All areas, maximum cover.
Deductible in all tariffs: 0, 150, 300, 500 or 1,000 euros to choose from.
