What does legal expenses insurance cost?

What is the monthly cost of legal expenses insurance?

The monthly cost depends on your personal situation. Among other things, the amount of the premium is influenced by your family composition. As a single person, you pay less premium for legal expenses insurance with most insurers, than a couple or a family with children. When putting together your legal expenses insurance, you specify your family situation. That way everyone in the family is insured, even children living away from home or parents (in law or otherwise).

In addition, the monthly cost of legal expenses insurance depends on the coverage you want. Legal expenses insurance coverage is divided into modules. You can choose from several modules, such as Consumer and Housing, Tax and Property, Work and Income and Traffic. When choosing the different modules, it is good to look at your personal situation. For example, do you spend a lot of time on the road with your car? Then it is wise to choose the Traffic module. Many conflicts arise when buying or selling a home. With the Consumer and Living module you are insured against these conflicts. Would you like additional insurance for conflicts in the workplace? Then choose the Work and Income module. This way you can influence the amount of the premium and the final cost of your legal assistance insurance.

You can also choose the amount of your deductible. The higher the deductible, the lower the monthly premium. Finally, a legal dispute may involve attorney fees. With some insurers, there is a limit to the reimbursement of external costs. Do you want to increase the maximum? Then choose a higher coverage and therefore pay more premium.

What does legal expenses insurance cost per year?

Legal expenses insurance is not the cheapest insurance to purchase. If you want very comprehensive insurance, the cost can add up. It depends entirely on the modules you choose. With legal expenses insurance, you are insured for legal costs for one year. You can choose to pay the premium monthly, quarterly, semi-annually or annually. Do you find the cost of legal expenses insurance to be rather high? Just think: legal expenses insurance costs about the same per year as a lawyer costs per hour. Then the choice is easy!

Business legal expenses insurance

Are you a self-employed person? Or owner of an SME? Then it is wise to look into business legal expenses insurance. After all, you can get into a legal conflict in many ways. Suppose you, as a ZZP'er, have completed a large assignment for a client, but the client refuses to pay. Or your company gets into a conflict with an employee over an employment contract that you cannot resolve together. Then you probably need legal help. By taking out business legal expenses insurance, you are assured of legal assistance in the event of a legal conflict. At the same time, you avoid the risk of sky-high lawyer's fees.

Package discounts with more insurance policies?

You can take out legal expenses insurance separately on Alpina.nl, but also as part of the so-called home insurance policies. For example, you can take out your home contents insurance, building insurance, liability insurance and/or travel insurance together with your legal expenses insurance. The more insurance policies you take out, the more discount you get. This is called package discount. This can give you some nice savings! Plus, you also have the convenience of everything going through the same insurer.

Compare legal expenses insurance

To make a good comparison of legal expenses insurance, it is important to consider a few things. You obviously want cheap legal expenses insurance, but be sure to also pay attention to coverage and the other terms and conditions. For example, also check the maximum amount you are insured for. Or in what situations exactly is paid out. This way you will not be faced with any surprises.

Through Alpina.nl you can easily compare insurers to find the legal expenses insurance that suits you. Through our online tool, you first fill in some information about yourself and choose which modules you want to turn on. Then you will get an indication of the premium per month. This way you can arrange your legal expenses insurance directly and easily. Do you have any questions about the cost of your legal expenses insurance? Then please contact us! We are happy to help you find the answers to your questions.