Is there any legal expenses insurance that takes effect immediately?
Legal expenses insurance is usually not the insurance you think of first. Yet it is precisely an insurance that you should take out on time, because most insurers apply a waiting period when taking out legal expenses insurance. Legal expenses insurance that takes effect immediately is rare, and it usually comes with a number of conditions attached. At Alpina.nl , we explain it to you.
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Why does legal expenses insurance not take effect immediately?
The reason that legal expenses insurance does not take effect immediately is because insurers do not want to provide legal assistance for ongoing conflicts. Often people do not take out legal expenses insurance until they are already involved in a conflict. However, insurers do not go along with this. Otherwise, it happens that someone gets fired on Monday and takes out legal expenses insurance on Tuesday, only to cancel it again once the conflict is resolved with the help of the legal expenses insurer. In addition, your legal expenses insurance therefore does not provide coverage for anticipated conflicts. This means that you cannot claim your legal expenses insurance, in conflicts that you can already see coming, such as an announced reorganization, for example.
Taking out legal expenses insurance? Calculate your premium!
Legal expenses insurance does not take effect immediately due to waiting period
Legal expenses insurance often does not take effect immediately because of the waiting period that most insurers have. Because of this waiting period, you cannot call on your legal expenses insurance immediately after you take it out. The waiting period varies by insurer, but it is usually 3 to 6 months. This means that if you take out legal expenses insurance on July 1 and get involved in an employment dispute on September 1, you will not yet be able to claim on your legal expenses insurance.
Is there a legal expenses insurance policy that does take effect immediately?
There are also a number of legal expenses insurance policies that take effect immediately. These insurers do not apply a waiting period. This sounds attractive, so why would you take out legal expenses insurance with a waiting period? However, there are a number of conditions associated with legal expenses insurance without a waiting period. For example, even with legal expenses insurance that starts immediately, an ongoing conflict is excluded from coverage. This means that it still makes no sense to take out legal expenses insurance on the day you become involved in a conflict, for example with your employer or landlord.
Get legal expenses insurance through Alpina right away!
At Alpina.nl you can compare legal expenses insurance with and without a waiting period. This way you can easily find the best insurance. Do not only pay attention to the waiting period, but also to the coverage. A legal expenses insurance consists of different modules. Fill in your details in our online tool and choose which modules you want. Then you will get an indication of the monthly premium. As soon as you have chosen the best legal expenses insurance, with or without waiting period, you can easily take out the insurance online.
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