Legal expenses insurance: what should you pay attention to when taking out?
A legal dispute is never pleasant. In addition, it often brings with it the necessary costs... A good legal expenses insurance policy can help in these situations. Most legal expenses insurance policies cost no more than fifteen euros per month. With legal expenses insurance, you can choose from different modules, which offer different coverage. This allows you to take out legal expenses insurance to suit your needs. Comparing and taking out legal expenses insurance involves a few things. Which modules are best suited to your situation? And what should you pay attention to when taking out legal expenses insurance? You can read more about that in this article from Alpina.
What types of legal expenses insurance are there?
The basic legal assistance insurance helps you with the smaller disputes you may experience and disputes in traffic. Furthermore, you can expand the legal expenses insurance with different modules. Each module insures you against different types of disputes. Most insurers have the following modules to choose from:
- The traffic module: here you insure against disputes arising in traffic;
- Consumer and living module: this module insures you against disputes that arise after purchases, disputes with neighbors and disputes that arise regarding your home;
- Income module: this module insures you against disputes related to income. Think for example of labor disputes;
- The tax and wealth module: this module is for disputes with the tax authorities or the stock exchange, for example.
As you can see, you can get more comprehensive insurance beyond the basic coverage with any of the above modules. With each module you insure something different. In this way, you can get legal expenses insurance that suits your needs and requirements.
What should you pay attention to when you want to purchase legal expenses insurance?
If you are considering legal expenses insurance, it is good to consider a few points:
- Is there a need for legal expenses insurance? For small disputes, it does not pay to pay premiums for years;
- Overlap: check carefully whether or not you have overlap through other insurance, this can save money;
- Coverage: look carefully at the coverages and different modules you think you will need. This can save in the premium you will pay;
- Insured: with most insurers, you also insure your family (if they live with you);
- Waiting period: some insurers have a waiting period after taking out legal expenses insurance. They may also not accept disputes if the dispute has already started before taking out insurance;
- Insured amount: up to what amount are you insured? Often insurers have a maximum insured amount. If you exceed this amount, you may have to pay extra;
- Cancellation: always check with your insurer on how to cancel;
- Compare: compare different insurers well. This can save you money and you will be able to get a well-fitting insurance policy that way.
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 our legal expenses insurance? Feel free to contact our customer service. They are happy to answer all your questions.
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