Is legal expenses insurance mandatory?
Legal expenses insurance is an insurance that is not mandatory in the Netherlands. You may also not be the first to think about taking out legal assistance insurance. You often only think about it when you are already involved in a conflict. But taking out legal assistance insurance at that point is actually already too late. With a legal assistance insurance you are assured of legal help in conflicts.
Legal expenses insurance; why do it?
It is not required by law to have legal expenses insurance. However the moment you need legal help, the bill can quickly add up. You can choose between different coverages when taking out legal assistance insurance ; consumer & living, traffic, work & income or tax & assets. This allows you to choose which module suits your current personal situation. For example, if you are on the road a lot with your car you are more likely to have a legal conflict in traffic than if you only use your car on weekends. In considering whether to purchase legal expenses insurance, it also depends on whether you can pay any legal costs yourself.
Taking out legal expenses insurance? Calculate your premium!
In what situations does legal expenses insurance cover?
Do you want to take out legal expenses insurance? Then look carefully at exactly what situations you want coverage for. You often choose which situations you want coverage for. The most common situations are explained below:
1. Consumer and housing
This module insures you against conflicts as a consumer. This includes, for example, conflicts that arose after purchasing a product. Or conflicts related to your rental or purchase home.
2. Traffic
In conflict about the sale or purchase of your vehicle? Depending on your insurance, your legal assistance insurance provides coverage for conflicts in the field of traffic. This includes all conflicts in and around traffic: by car, bicycle or on foot.
3. Work and income
With this module you are assured of legal help and support in conflicts related to your work and income. This may involve dismissal, but also around your pension or benefits.
4. Tax and wealth
This module provides coverage for the entire family in the Netherlands in the event of disputes with, for example, the tax authorities or a securities transaction. Disputes regarding your second home are also covered, provided it is located in the Netherlands or the European Union.
Insurance waiting time
If you want to purchase legal expenses insurance, you do need to allow for a certain waiting period. This means that you cannot immediately appeal to the insurance. Legal expenses insurance cannot be used for conflicts that you see coming. Waiting periods vary from one insurer to another. In some cases, you do get a discount on legal aid if you need legal advice. The waiting period does not apply to future and unexpected products. For example, do you have legal expenses insurance for your car and get involved in an accident, after taking out the insurance? Then there is no waiting period in this situation.
Do I have a deductible with my legal expenses insurance?
A deductible may apply to your legal assistance insurance. In that case, you will first pay a deductible when you need legal assistance.
Compare legal expenses insurance
Compare legal expenses insurance easily atalpina.nl You can compare different insurers, modules, premiums and policy conditions and take out the insurance directly if you wish. You can also compare and take out your other home insurance policies, such as home contents insurance, building insurance and liability insurance, via alpina.nl Do you have any questions? Feel free to contact us.
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.