Legal disputes can happen to anyone, however carefully they act. A quarrel with your landlord, a conflict after an accident, a problem with your employer or a dispute with a neighbour: lawyers and courts are expensive, and costs can quickly run into the thousands. Legal expenses insurance (Rechtsschutzversicherung) means you can enforce your rights without having to watch the cost.
Legal expenses insurance pays for lawyers, court proceedings, experts and witnesses, both when you bring a claim yourself and when you have to defend against one. It makes no difference whether the case is heard in a German or a foreign court.
Before it takes on the costs, the insurer checks whether there is a sufficient chance of success. That is not a drawback: it prevents frivolous or hopeless cases and also gives you a well-founded assessment of your legal position.
Legal expenses insurance exists for different areas of life: private, work, traffic and property. Combined tariffs cover several areas at once. For most private households a combined tariff that covers all the relevant areas of daily life is the better choice.
We help you find the right legal expenses cover for your life situation, so you do not have to go without legal help when a dispute arises.
Legal expenses insurance benefits
Costs covered: statutory lawyer fees, court costs, witness expenses, expert costs, interpreter fees, the other side's costs where you are obliged to reimburse them, necessary advance payments.
Insured areas of life: private law (purchase contracts, travel contracts, mobile phone contracts), employment/professional law (dismissals, working time issues), traffic law (accidents, vehicle purchase, loss of driving licence), housing law (neighbour disputes, rent disputes), family law (advice on inheritance and separation matters).
Additional services: free telephone legal advice (24/7, also abroad), mediation for out-of-court conflict resolution, lawyer recommendations, planning-ahead services (living will, power of attorney for care).
Legal expenses tariff comparison
Basis: €1 million sum insured (Europe), €100,000 worldwide cover. Private and traffic legal expenses cover. No waiting period for traffic, 3 months otherwise.
Smart: €3 million sum insured (Europe), €300,000 worldwide cover. Includes professional legal expenses cover. Extended benefits.
Komfort: €5 million sum insured (Europe), €500,000 worldwide cover. Private, professional and housing legal expenses cover. Planning-ahead services (living will, drawing up a will), DokumentenCheck.
Premium: unlimited sum insured (Europe), €1 million worldwide cover. Maximum cover in all areas. Investment disputes, extensive planning-ahead services.
Excess selectable in all tariffs: 0, 150, 300, 500 or €1,000.
