When do you need legal expenses insurance?
No one expects to need legal expenses insurance. Yet it is more common than you might think. Whether it is necessary to take out legal expenses insurance depends on your personal situation. A conflict is sometimes in a small corner. For example, if you have a job, spend a lot of time on the road with your car and own a home, the chance of a conflict is greater than if you are retired and spend a lot of time at home.
In addition, it depends on your financial ability. Suppose you get into a legal conflict, are you able to pay the legal fees yourself? Costs for a lawyer can be high. Often, the annual premium for legal expenses insurance is a lot less than the cost an attorney charges per hour. All of this is important in determining whether or not you need legal expenses insurance.
What kind of legal expenses insurance do I need?
To determine what kind of legal expenses insurance you need, it's best to look at the insurance's modules. There are a total of four modules, namely Consumer & Housing, Income, Traffic and Tax Law & Property. Are you on the road a lot for your work? Then you might consider turning on the Traffic module, for example. When determining the right modules, you can also look at the insurance policies you already have. Do you already have legal assistance insured with your car insurance? Then you do not need to activate the Traffic module.
Consumer & Living
The Consumer & Living module is a broad module which guarantees you legal assistance in conflicts concerning all kinds of consumer issues. You can think of conflicts about purchases (both online and offline purchases), for example about the delivery time of a product or when you want to reverse a purchase. Problems with a supplier of energy, telephone or internet are also covered. In addition, you can think of conflicts with relatives or neighbors. Disputes concerning your home also fall under this module. For example, disputes about the purchase or sale of a home, rent, maintenance, renovation or damage to your home. For all these matters you may need legal assistance insurance.
Work & Income
The Work & Income module gives you legal assistance in labor disputes. For example, when you are dismissed, but you consider this to be unlawful. Or when a conflict arises regarding maternity leave, sick leave, pension or the amount of your benefit from the UWV. In the event of an employment conflict, legal assistance insurance offers help, both in the form of mediation and assistance in court.
Traffic
In traffic, emotions can sometimes run high. Especially when it comes to apportioning blame for a collision or damage. To be insured for legal assistance in a traffic conflict, you can take out the Traffic module. With legal assistance insurance you get legal help in proving your innocence and holding the other party liable. The legal expenses insurer will also help you recover damages from the other party. For this you do not necessarily have to be driving a motor vehicle, the coverage also applies to pedestrians and cyclists.
Tax Law and Equity
The module Tax Law & Property assures you of assistance in all conflicts concerning your assets. This includes conflicts about money and investments, disputes with, for example, the tax authorities and conflicts about the purchase, sale, rent or construction of a vacation home.
Need legal expenses insurance? Get your insurance through Alpina!
Do you need legal expenses insurance? Then take it out easily online at Alpina.nl. If you take out the insurance before you actually need it, you are assured of good legal assistance the moment you can use it.
Do you still have questions about taking out legal expenses insurance? Then be sure to contact us! We are happy to help you. Also take a look at our frequently asked questions about legal expenses insurance. Maybe your question is already there.
We can be reached via Chat, Whatsapp, phone or email
Please feel free to contact us if you would like to know more.
We are here Monday to Friday from 08:00 to 18:00.