What does legal expenses insurance 'labor dispute' entail?
You, and about 9 million others in the Netherlands work in salaried employment. That's almost 7 in 10 Dutch people, between the ages of 15 and 75! With so many working people and jobs, things can also go wrong from time to time. But what do you do if you get into trouble with your employer? What are your rights and can you insure yourself for them? This article discusses legal expenses insurance and, in particular, labor disputes in this context.
What does the legal expenses insurance labor dispute cover?
Most legal expenses insurance policies cover costs incurred in smaller disputes and traffic cases. Legal and other types of expert mediation are often also co-insured. This basic insurance is easily expandable with various other modules. This allows you to take out the legal expenses insurance that suits you.
The following modules allow you to expand the basic legal expenses insurance:
- Traffic: this insures you and your family for legal assistance in traffic, both in the Netherlands and abroad;
- Consumer and living: with this module, you and your family are assured of legal assistance in all kinds of consumer cases. These cases have to do with purchases within Europe. Disputes concerning your home are also covered under this coverage. For example, a rental dispute, or if damage has been done to your home;
- Income: with this module, your family and you are assured of legal assistance regarding income. This module also covers labor disputes;
- Tax and assets: this module covers disputes that arise with the tax authorities or securities transactions, for example. Do you have several homes in the Netherlands or in Europe? Then those disputes are also covered by this module.
Taking out legal expenses insurance? Calculate your premium!
Legal expenses insurance labor dispute, what about it?
As described above, labor dispute falls under the income module. This module offers relief in an employment dispute. Think about dismissal, your income, physical or psychological damage you suffer during work, your pension, social insurance benefit or any other benefit (unemployment/sickness).
In the above cases, your insurer will look into the disputes here and try to resolve it for you. Aside from the above disputes, other disputes can also arise while on the job. To make sure what all the insurer will and will not cover, it is wise to go through the policy terms and conditions of the insurer in an accurate manner before you purchase the insurance.
What does legal expenses insurance not cover?
As with most insurance policies, there are always grounds for exclusion (things the insurer does not cover). With legal expenses insurance, this also applies. Depending on the modules chosen, the insurer will or will not assist you in certain disputes. Most insurers do not offer assistance with divorce. However, there is often an option to use a mediator in such cases. The maximum amount that most insurers pay out in such cases is €2000 to €3000.
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.
Never underinsured
Put together your own package
A wide range
We compare all insurers for you, saves time again
Help from our experts
Can't figure it out? Our experts are always ready to help you
We can be reached via chat, WhatsApp, phone or email
Questions? Contact us if you want to know more.
We are here Monday to Friday from 08:00 to 18:00.