Why purchase legal expenses insurance as an individual?
Of course you hope not, but even as a private individual you can get into a legal conflict. With legal assistance insurance you insure yourself against (sometimes sky-high) legal costs. We tell you why, especially as a private person, it may be wise to take out legal expenses insurance .
Legal assistance in various areas of law
Legal expenses insurance is not mandatory in the Netherlands and is therefore usually forgotten when taking out insurance. It is often only considered when one actually gets involved in a legal conflict, but at that point it is actually already too late. There are numerous examples of situations in which legal expenses insurance for a private individual can come in very handy. Legal expenses insurance provides legal assistance for conflicts in various areas of law. Whether it is a conflict between private individuals (such as a neighbor dispute), a conflict between private individuals and organizations (for example, in case of wrongful dismissal) or a conflict between private individuals and the government. With legal assistance insurance, you do not have to resolve the dispute yourself, but the insurer takes the matter out of your hands.
Small monthly investment
Legal expenses insurance is not the cheapest insurance for an individual. The cost depends on the number of modules you turn on. Do you want very comprehensive insurance? If so, the costs can add up considerably. Still, any legal costs you avoid with legal expenses insurance are a lot higher than the monthly cost of the insurance premium. In fact, you should think of it as a small monthly investment. In the unlikely event that you find yourself in a conflict, legal expenses insurance will save you quite a bit on legal fees. That is well worth the investment. Therefore, even as an individual, it may be wise to take out legal expenses insurance.
Taking out legal expenses insurance? Calculate your premium!
Common conflicts among individuals.
All sorts of conflicts can arise in everyday life. Consider, for example, a neighbor dispute, work conflict or a conflict when buying or selling a home. We present some common legal conflicts.
Traffic accident
A conflict due to a traffic accident is very common. For example, you may be hit on a bicycle, as a pedestrian or as a driver of a car or moped. A conflict may then arise about who is the guilty party. With legal assistance insurance you will get legal help in defending your innocence and holding the other party liable. Your insurer will also help you recover damages from the other party.
Conflict with employer
It is always possible that you may find yourself in conflict with your employer. For example, you may disagree with the reason for your dismissal, there may be contractual problems or a conflict regarding maternity leave or retirement. Disagreement may also arise over the amount of your benefits from the UWV. In the event of an employment dispute, your insurer will help you resolve the disputes. It is nice not to be alone, as it can sometimes be quite difficult to face your employer in a conflict. For an individual, legal expenses insurance offers a solution to this.
Divorce
Divorce, of course, is never fun. There is often a lot of sadness and sometimes anger involved. This is easily expressed in a conflict, for example about children, the house, savings and other possessions. Divorce is excluded from most legal expenses insurance policies, because it concerns a dispute between two insured parties on the same policy. In some cases, however, mediation is included in the insurance. Mediation is a form of mediation by an independent third party to help you and your partner reach an agreement. Here, the mediator looks at the wishes and feelings of both parties, and helps them when things get stuck. This often prevents a lot of frustration and strife.
Conflict with neighbors
Neighbor disputes can sometimes run high. The television program De Rijdende Rechter proves that. Although a little neighborhood drama is fun when you are sitting in front of the television, it is less fun when it happens to you yourself. There are numerous situations through which conflict between neighbors can arise. For example, there may be arguing about the property boundary, overhanging vegetation, the right of way, noise pollution, the installation of a hedge or shed, for example, building damage or a conflict arises over remodeling plans. If the conflict has been going on for some time or emotions are running high, it can be difficult to find a solution together. Legal expenses insurance offers the solution.
Take out legal expenses insurance as an individual
After reading this article, have you decided that you would still like to purchase legal expenses insurance? No problem, you can do so directly through our website! We are happy to help you get the right legal expenses insurance. Before taking out legal expenses insurance, it is important that you think about the things you would like to be insured for. Based on that, you can decide which modules to put on. You can choose from four modules, namely:
Once you know which modules you want to take out, you can easily compare different insurers through our online comparison tool. Have you compiled your legal expenses insurance completely to your liking? Then you can take out the insurance quickly and easily. Do you still have a question? Then we will gladly help you. Call us at telephone number 088 - 6883700 or send us a message via e-mail, WhatsApp or Messenger.
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.