What cover does legal expenses insurance offer?
When orientating yourself on a legal expenses insurance, you will notice that a legal expenses insurance usually consists of different modules. In this way you can tailor the insurance to your own wishes.
What exactly is legal expenses insurance?
Legal expenses insurance covers the costs of minor disputes and traffic cases, as well as legal and other expert mediation. The other coverage can be purchased separately. Legal expenses insurance is not compulsory, but proves to be very useful in practice.
It is possible that insurers only offer coverage in the Netherlands and not throughout Europe for certain disputes. Pay close attention to this when comparing legal expenses insurance.
What does legal expenses insurance cover?
The basic legal assistance insurance can be extended by the following modules.
- Traffic
With this module you and your family are insured for legal assistance in all traffic situations worldwide. This means you are not only insured by car, but also as a (moped) cyclist or pedestrian. - Consumer and Housing
With this module you and your family are insured for legal assistance in a variety of consumer cases within the European Union. Here you can think of: purchases (both online and in stores) and problems with a supplier of energy, telephone or internet. In addition, disputes with neighbors or relatives are also insured. Also disputes regarding your home (in the Netherlands) such as purchase, rental, maintenance, renovation are insured and when damage is done to your home.
Divorce is excluded on most policies because this is a dispute between 2 insureds on the same policy. It is often only possible to use a mediator after a marriage or registered partnership of at least three years. - Income
With this module, you and your family are assured of legal assistance in disputes concerning, among other things, the employment contract, social insurance benefits/provisions, and pension entitlements. Think of a forced dismissal or when the amount of your benefit is in dispute. - Tax and wealth
With this module, you and your family are assured of coverage in the event of disputes with the tax authorities or a securities transaction, for example. Do you have a second home in the Netherlands or the European Union? These disputes are also covered.
What does legal expenses insurance not cover?
A basic legal expenses insurance does not cover all cases. Divorce assistance is not covered by the legal expenses insurance. It is often only possible to engage a mediator after a marriage or registered partnership of at least three years. The maximum amount that is paid out for this is usually between €2,000 and €3,000.
If you have any questions about the coverage of a legal expenses insurance, please contact us on 088 688 37 00.
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