Is there a legal expenses insurance that comes into effect immediately?
Legal expenses insurance is usually not the insurance you think of first. Yet it is precisely an insurance that you should take out on time, because most insurers apply a waiting period when taking out legal expenses insurance. Legal expenses insurance that takes effect immediately is rare, and it usually comes with a number of conditions attached. At Alpina\.nl, we explain it to you.
Why doesn't legal aid insurance start immediately?
The reason that legal expenses insurance does not take effect immediately is because insurers do not want to offer legal assistance for ongoing conflicts. Often people only take out legal assistance insurance when they are already involved in a conflict. Insurers do not go along with this. Otherwise, it happens that someone gets fired on Monday and takes out legal expenses insurance on Tuesday, only to cancel it again once the conflict has been resolved with the help of the legal expenses insurer. In addition, your legal expenses insurance does not provide cover for foreseen conflicts. This means that you cannot make a claim on your legal assistance insurance for conflicts that you can already see coming, like for instance an announced reorganisation.
Legal expenses insurance does not start immediately because of waiting period
A legal expenses insurance often does not start immediately because of the waiting period that most insurers have. Because of this waiting period you cannot call upon your legal assistance insurance immediately after taking it out. The waiting period differs per insurer, but usually it is 3 to 6 months. This means that if you take out a legal expenses insurance on the 1st of July and you get involved in an employment conflict on the 1st of September, you will not yet be able to claim your legal expenses insurance.
Is there a legal aid insurance that does take effect immediately?
There are also a number of legal assistance insurances that take effect immediately. These insurers do not apply a waiting period. That sounds attractive of course, so why would you take out legal expenses insurance with a waiting period? However, there are a number of conditions attached to legal expenses insurance without a waiting period. For example, even in the case of a legal expenses insurance that takes effect immediately, an ongoing conflict is excluded from coverage. This means that it still makes no sense to take out legal expenses insurance on the day you become involved in a conflict, for example with your employer or landlord.
Get legal expenses insurance through Alpina right away!
At Alpina.nl you can compare legal expenses insurance with and without a waiting period. This way you can easily find the best insurance. Do not only pay attention to the waiting period, but also to the coverage. A legal expenses insurance consists of different modules. Fill in your details in our online tool and choose which modules you want. Then you will get an indication of the monthly premium. As soon as you have chosen the best legal expenses insurance, with or without waiting period, you can easily take out the insurance online.
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