What is the cost of legal expenses insurance?
The costs can be considerable in a legal conflict. To be insured for this, you can take out legal expenses insurance. With a basic legal expenses insurance you insure the costs of smaller disputes and traffic cases, as well as legal and other expert mediation. But what exactly are the costs of legal expenses insurance?
Cost depends on several factors
The cost of legal expenses insurance depends on a number of factors:
- Coverage
- Your family composition
- The deductible
- The maximum coverage for external costs
The amount of the insurance premium is influenced, among other things, by your family composition. Are you single without children? Then you will pay less premium for your legal expenses insurance with most insurers than a family with children. By indicating your family composition when taking out the insurance, everyone in the family is co-insured, even children living away from home or parents (in law or otherwise).
In addition, the cost depends on the deductible you take out. The higher the deductible, the less premium you pay per month. Finally, you choose maximum coverage for outside expenses. A legal dispute may involve attorney fees. Many insurers have a limit to the reimbursement of external costs. So if you want to hire your own lawyer, the insurer will only reimburse up to a certain amount. If you want to increase this amount you will pay a higher premium per month.
Taking out legal expenses insurance? Calculate your premium!
What is the average cost per month?
There are big differences in the average cost per month for legal expenses insurance. These costs depend entirely on your personal situation. With legal expenses insurance, you can take out different modules. The more modules you take out, the higher the monthly costs will be.
You can choose from several modules, such as Consumer and Housing, Tax and Wealth, Work and Income, and Traffic. If you spend a lot of time on the road with your car, for example, you can choose the Traffic module. This will insure you for conflicts that arise in traffic. Conflicts also frequently arise when buying or selling a home. With the Consumer & Living module, you are insured for legal assistance in various consumer cases. Would you like extra security for conflicts in the workplace? Then you can take out the Work and Income module. This way you only choose the modules that apply to you and you can influence the final cost of your legal assistance insurance. Do you choose only 1 module? Then of course you will be cheaper than if you take out three modules.
You can save on the cost of your legal expenses insurance by taking out more insurance on Alpina.nl This is called package discount. For example, you can take out your home 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. You can pay the insurance premium for legal expenses insurance per month, quarter, six months or year.
To give you a better idea of the cost of legal expenses insurance, we have calculated the premium for four different situations:
| Family composition | Coverage | Own risk | External costs | Premium per month |
|---|---|---|---|---|
| Single without children | Module Consumer & Housing | €100 | €0 | €12,17 |
| Family with children | Module Consumer & Housing | €100 | €0 | €14,89 |
| Single without children | Module Consumer & Housing, Traffic, Income, Tax & Wealth | Nil | €2000 | €27,95 |
| Family with children | Module Consumer & Housing, Traffic, Income, Tax & Wealth | Nil | €2000 | €34,19 |
Calculate the cost of your legal expenses insurance through Alpina
Would you like to calculate the cost of legal expenses insurance for your own situation? Then you can do so very easily with our online tool. After entering your zip code, age and family composition, you have to make choices. Which modules do you take out? How high will the deductible be? How high will the external costs be? Then you will get an indication of the monthly premium. You can easily go back and forth in the online tool to add or remove modules to compare premiums. This will give you a good idea of the difference in costs.
Do you still have questions about the cost of your legal expenses insurance? If so, please be sure to contact us! We will gladly help you. This way you will not be unpleasantly surprised in case of a legal conflict.
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