Are disputes surrounding divorce covered by legal expenses insurance?
Legal expenses insurance is made up of modules. You choose which modules you do or do not take out. So you compose your own legal assistance insurance. There are a number of modules, namely Consumer & Housing, Income, Traffic and Tax Law & Property. You can also take out the Mediation and Divorce module. However, legal expenses insurance coverage is often limited in cases of divorce. At Alpina.nl we are happy to explain why that is.
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Module: mediation and divorce
Legal expenses insurance does not always cover divorce. This is because a divorce is usually a dispute between two insureds on the same policy. If there is coverage, it is often only in the form of mediation. In mediation, you and your partner are helped by an independent (third) party. This person is called the mediator. He or she helps make agreements and takes into account both you and your partner's (feelings). The maximum amount you can spend under your legal expenses insurance can be found in the policy conditions.
Taking out legal expenses insurance? Calculate your premium!
Divorce with owner-occupied property
In the process of a divorce, agreements are made about the division of your assets, such as a house to buy. Thus, although divorce is usually not covered by legal expenses insurance, a mediator may be able to do something for you here. What happens to the house depends, of course, on the situation. Are you going to sell the house or does either of you want to continue living there. Is there surplus value on the house or is there perhaps a residual debt? A mediator can help you make clear agreements about what will happen to the house. You can also seek the advice of your mortgage lender.
Divorce with children
A divorce is always a sad and difficult event, especially when children are also involved. As a parent, you naturally want everything to be properly arranged for your children during the divorce. That is why the agreements are recorded in a parenting plan. This includes, for example, agreements on visitation rights, maintenance, parenting and financial matters. A mediator can help you draw up a parenting plan.
Waiting time
Unfortunately, there is no point in taking out legal expenses insurance if you are already involved in a divorce. This is because legal aid insurance almost always has a waiting period. Especially in the case of a divorce, because this happens relatively often. The waiting period varies between 1 and 3 years, this varies by insurer. Often people do not think about taking out legal expenses insurance until it is too late. When you get married, you obviously do not expect it to ever come to a divorce. However, you can take out legal assistance insurance for all kinds of conflicts. Thus, you are insured for all kinds of disputes, depending on the modules you take out.
Take out legal expenses insurance directly through Alpina
Don't wait too long and take out legal expenses insurance right away. Should you ever have to deal with a divorce, you can at least use mediation through your legal expenses insurance. With our online comparison tool, you can easily compare insurers. Don't just look at an insurer's waiting period, but more importantly at the right coverage and policy conditions. Then you can be sure that you are assured of good legal assistance the moment you need it.
Also view
- Is there any legal expenses insurance with no waiting period?
- Is my family covered by my legal expenses insurance?
- What is the best legal expenses insurance?
- What is the cheapest legal expenses insurance?
- Does taking out legal expenses insurance still make sense during a conflict?
- What does the deductible for legal expenses insurance include?
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