What does legal assistance insurance 'labour dispute' entail?
You and about 9 million others in the Netherlands work in paid employment. That is almost 7 in 10 Dutch people between the ages of 15 and 75! With so many workers and jobs, things can sometimes go wrong. But what do you do if you get into trouble with your employer? What are your rights and can you insure yourself against them? This article discusses legal expenses insurance and in particular the labour dispute in this context.
What does legal assistance insurance for employment conflict cover?
Most legal expenses insurances cover the costs that arise in smaller disputes and traffic cases. Often legal and other expert mediation is also insured. This basic insurance can easily be expanded with various other modules. So you can take out the legal assistance insurance that suits you best.
You can extend the basic legal expenses insurance with the following modules:
- Traffic: this insures you and your family of legal assistance in traffic, both in the Netherlands and abroad;
- Consumer and Housing: with this module, you and your family are insured for legal assistance in all kinds of consumer cases. These matters relate to purchases within Europe. Disputes concerning your home also fall under this cover. For example, a rental dispute, or if damage has been caused to your home;
- Income: with this module, your family and you are insured for legal assistance with regard to income. This module also covers labour disputes;
- Tax and equity: with this module you cover disputes that arise with, for example, the tax authorities or securities transactions. Do you have several properties in the Netherlands or in Europe? Then those disputes also fall under this module.
Legal aid insurance for industrial disputes, what about it?
As described above, the labour dispute falls under the income module. This module offers a solution in a labour law dispute. Think about dismissal, your income, physical or psychological damage incurred during work, your pension, social security benefit or other benefit (unemployment/sickness).
In the above cases, your insurer will look into the disputes that arise here and try to resolve them for you. Apart from the above mentioned disputes, other disputes may arise during work. To be sure of what the insurer does and does not cover, it is wise to carefully read through the policy conditions of the insurer before you take out the insurance.
What does the legal expenses insurance not cover?
As with most insurances, there are always grounds for exclusion (things the insurer does not cover). This also applies to legal expenses insurance. Depending on the chosen modules, the insurer will or will not assist you in certain disputes. Most insurers do not offer assistance in divorce cases. Often there is a possibility to engage a mediator in such cases. The maximum amount that most insurers will pay out in such cases is €2,000 to €3,000.
Get your legal expenses insurance through Alpina: simple and affordable
Are you considering legal expenses insurance? Then take it out now through Alpina! We have the right coverages for every situation. Always at the most competitive premiums. Do you still have doubts or questions about legal expenses insurance? Feel free to contact our customer service. They are only too happy to answer all your questions.
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