No own risk
Whole family insured
8.1
Insurance assessment
legal expenses insurance

Legal expenses insurance: compare and take out immediately!

No own risk
Whole family insured
8.1
Insurance assessment

Legal expenses insurance may seem like a superfluous luxury, but in practice it is often very useful and perhaps even indispensable. All kinds of disputes can arise in everyday life. For example, you are hit by a bicycle, have a conflict with the neighbours about the garden fence, disagree with your dismissal or are not taken seriously by a shop when they complain about a defective product. With a legal assistance insurance you do not have to solve this yourself, but you can report the dispute to your insurer. The insurer will take the matter off your hands and take legal action if necessary.

What is 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. In case of a conflict, first of all a lawyer from the legal expenses insurer will handle your case. If an external expert or lawyer has to be called in by the insurer, this is also covered, as are the costs of legal proceedings. If you are summoned, the insurance will also provide assistance in this criminal or civil case. With a legal assistance insurance you do not need to hire an expensive lawyer in case of a dispute, whose hourly rate is often higher than the annual premium of the legal assistance insurance.

Legal expenses insurance is usually modular, so that you can tailor it to your own needs. In some cases there is an excess.

Why take out legal expenses insurance?

Nobody expects to need legal expenses insurance. Nevertheless, it happens more often than you might think. Whether it is necessary to take out legal assistance insurance depends on your personal situation. A conflict is sometimes in a small corner. If, for example, you have a job, are on the road a lot and own a house, the chance of a conflict is greater than if you are retired and spend a lot of time at home. Unfortunately, a legal conflict cannot always be prevented. Resolving a legal conflict can be very complex and costly. You may be faced with litigation costs, lawyer's fees and costs of independent experts. A legal assistance insurance can also be useful for an entrepreneur. There is a special business legal assistance insurance for this purpose.

Which legal expenses insurance can I choose from?

The cover of a legal assistance insurance is always modular. There are four modules in total, namely Consumer & Living, Income, Traffic and Tax Law & Assets. Do you travel a lot for your work? Then you might consider switching on the module Traffic for example. When determining the right modules, you can also look at the insurances you already have. Do you already have legal aid insured with your car insurance? Then you do not need to activate the module Traffic. This way you choose which modules you take out and you are not accidentally double insured. We have explained the four modules below:

Traffic module

The module Traffic ensures that you and your family are always insured for legal assistance worldwide, in all traffic situations. So you are not only insured in a car, but also as a cyclist, moped rider or pedestrian. As soon as an accident occurs in traffic, you can report the damage to us. We will then contact your legal expenses insurer, who will take the matter completely out of your hands and do everything in its power to recover your damages, even if this requires legal proceedings.

Consumer and Housing Module

With the Consumer and Dwelling module, you and your family are insured within the European Union for legal assistance in various consumer matters, such as purchases (in shops or online) and problems with an energy, telephone or Internet supplier. Has damage been caused to your home (in the Netherlands), or are there disputes concerning your home (such as buying/selling/renting/maintenance/renovation)? These are also insured on the legal assistance insurance. As well as disputes with neighbours or family. Divorce is excluded on most policies, as this is a dispute between 2 insured parties on the same policy. In some cases it is possible to take out additional insurance for mediation (a form of extrajudicial mediation).

Income module

The Income module offers legal assistance to the whole family in disputes concerning the employment contract, social insurance benefits or pension entitlements, among other things. For example, if you are forced to resign, or if the amount of your benefit is under discussion, your legal assistance insurance can provide legal assistance.

Tax and wealth module

The Fiscal and Wealth module offers the whole family coverage in the Netherlands in the event of disputes with, for example, the Tax Authorities or in the event of a securities transaction. Disputes relating to your second home are also covered, provided it is in the Netherlands or the European Union.

What to look out for when taking out legal expenses insurance?

If you are considering taking out legal expenses insurance, it is good to think about a number of points:

  1. Is there a need to take out legal expenses insurance? For small disputes it does not pay to pay premiums for years;
  2. Overlap: Check whether you have overlap with another insurance company, this can save money;
  3. Coverage: Take a good look at the coverages and the different modules you may need. This may affect the premium you pay;
  4. Insured persons: with most insurers, you also insure your family (if they live with you);
  5. Waiting period: some insurers have a waiting period after taking out a legal expenses insurance. It is also possible that they will not handle disputes if the dispute has already started before the insurance was taken out;
  6. Insured amount: to what amount are you insured? Insurers often have a maximum insured amount. If you exceed this amount, you may have to pay extra;
  7. Cancellation: always check with your insurer how you can cancel;
  8. Compare: Compare different insurers well. This can save you money and help you find the right insurance.

When to take out legal expenses insurance?

When you take out legal expenses insurance, in many cases there is a waiting period. This means that you cannot immediately call upon your legal assistance. Suppose you take out a legal assistance insurance on the 1st of July and you have a nasty conflict with your employer at the end of August. However, the conditions of your legal assistance insurance state that there is a six-month waiting period in the field of labour law. You cannot yet call on your insurance because you are in the waiting period. Usually the waiting period of a legal expenses insurance is about three to six months after taking out the insurance. This differs per insurer, but also per coverage. There are also insurers who do not use a waiting period for legal expenses insurance.

What does legal expenses insurance cost?

The cost of legal expenses insurance depends on a number of factors:

  • The coverage
  • Your family situation
  • The own risk
  • 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 with most insurers, you pay less premium for your legal expenses insurance than a family with children. By indicating the family composition when taking out the insurance, everyone in the family is covered, even children living away from home or parents living in the house.

In addition, the costs depend on the deductible that you take out. The higher the excess, the less premium you pay per month. Finally, you choose a maximum coverage for the external costs. A legal conflict can involve legal fees. Many insurers have a limit on the reimbursement of external costs. If you want to use your own lawyer, the insurer will only reimburse a certain amount. If you want to increase this amount, you pay a higher premium per month.

What does legal expenses insurance cover?

What all is covered under legal expenses insurance depends on the modules you take out. So you choose what you want to be insured for. In addition, it is of course important which persons are covered by your legal assistance insurance. When you take out legal expenses insurance, you specify your family situation. As soon as the insurance is taken out, your entire family is insured for legal assistance. The family does not only include partner and children living at home, but also:

  • Children living away from home, e.g. to study
  • Resident parents or parents-in-law
  • Resident staff, such as an au-pair or a skin-keeper

Have you already taken out legal expenses insurance, but your family situation is changing? For example, because you are getting married, divorced or have a child? In that case, always inform your insurer.

Benefits of legal expenses insurance

Legal expenses insurance is often not a priority when taking out insurance. Yet it can be a fine addition. There are several advantages to legal expenses insurance:

  • Although the annual premium is quite high compared to other insurances, this is nothing compared to the costs you will face if you end up in a legal conflict. Only if the costs for a lawyer are higher than the annual insurance premium.
  • If you take out legal expenses insurance, the cover applies not only to you but to all your family members.
  • You can put together the legal expenses insurance yourself. By choosing which modules you take out, you can tailor your insurance to your needs. Moreover, in this way you can influence the costs.

Compare legal expenses insurance

At Alpina.nl you can easily compare the various insurers, modules, premiums and policy conditions and take out the insurance directly if desired. Legal expenses insurance is modular. For certain disputes, insurers may only offer coverage in the Netherlands and not throughout Europe. Pay close attention to this when comparing legal expenses insurance. Do you have any questions or would you like someone to take a look? Our insurance specialists will be happy to help you! You can reach us Monday to Friday from 8 a.m. to 6 p.m. at telephone number 088 - 6883700.

Best legal expenses insurance

The best legal expenses insurance for you depends on your personal situation. Ask yourself: in what kind of conflict is legal aid really indispensable for me? Do you think legal assistance at work is important? Then you can take out the Work & Income module. Are you often on the road by car? In that case you may want to consider the Traffic module. Also check which insurances you already have. Many people already have car insurance, home insurance or building insurance. With some insurers you can include legal aid in your insurance.

Legal expenses insurance
free choice of lawyer

Insurance companies employ their own lawyers. If you find yourself in a legal conflict, they will offer you a lawyer who is employed by their organisation. However, you are not obliged to choose this lawyer. With a legal assistance insurance you can always choose your own lawyer. This is the right to free choice of lawyer. The right to free choice of lawyer only applies if your insurer decides to carry out legal proceedings. In case of a legal conflict the use of a lawyer is not always obligatory. Whether this is necessary depends on the type of conflict.

Compare legal expenses insurance

At Alpina.nl you can easily compare the various insurers, modules, premiums and policy conditions and take out the insurance directly if desired. Legal expenses insurance is modular. For certain disputes, insurers may only offer coverage in the Netherlands and not throughout Europe. Pay close attention to this when comparing legal expenses insurance. Do you have any questions or would you like someone to take a look? Our insurance specialists will be happy to help you! You can reach us Monday to Friday from 8 a.m. to 6 p.m. at telephone number 088 - 6883700.

Best legal expenses insurance

The best legal expenses insurance for you depends on your personal situation. Ask yourself: in what kind of conflict is legal aid really indispensable for me? Do you think legal assistance at work is important? Then you can take out the Work & Income module. Are you often on the road by car? In that case you may want to consider the Traffic module. Also check which insurances you already have. Many people already have car insurance, home insurance or building insurance. With some insurers you can include legal aid in your insurance.

Legal expenses insurance
free choice of lawyer

Insurance companies employ their own lawyers. If you find yourself in a legal conflict, they will offer you a lawyer who is employed by their organisation. However, you are not obliged to choose this lawyer. With a legal assistance insurance you can always choose your own lawyer. This is the right to free choice of lawyer. The right to free choice of lawyer only applies if your insurer decides to carry out legal proceedings. In case of a legal conflict the use of a lawyer is not always obligatory. Whether this is necessary depends on the type of conflict.

Legal expenses insurance for freelancers

Do you have problems with a supplier? Or are you dealing with a long-term debtor who refuses to pay? Then you may want to take legal action. Unfortunately, legal assistance is quite expensive. The costs can quickly run into the hundreds, if not thousands, of euros. For a self-employed person, these are high expenses that you cannot easily afford. That is why there is legal assistance insurance for a self-employed person. With such insurance you can get the legal help you need up to a certain amount.

Legal expenses insurance needed

You probably don't expect to ever need legal expenses insurance. Yet a legal conflict occurs more often than you might think. Whether you need legal expenses insurance depends on your personal situation and your financial capacity. Suppose you find yourself in a legal conflict, are you able to pay the legal costs yourself? Costs for a lawyer can be high. Often the annual premium for a legal expenses insurance is a lot less than the hourly cost of a lawyer.

Cheapest legal expenses insurance

Legal expenses insurance is not the cheapest insurance. If you want to be insured extensively, the monthly premium can sometimes be quite high. Fortunately, you can compose the insurance according to your own wishes. The cheapest legal expenses insurance for you depends on your personal situation and the number of modules you take out. Of course, the more modules you take out, the more expensive the insurance becomes. To help you find the cheapest legal expenses insurance, we have made a step-by-step plan for you.

Legal expenses insurance for freelancers

Do you have problems with a supplier? Or are you dealing with a long-term debtor who refuses to pay? Then you may want to take legal action. Unfortunately, legal assistance is quite expensive. The costs can quickly run into the hundreds, if not thousands, of euros. For a self-employed person, these are high expenses that you cannot easily afford. That is why there is legal assistance insurance for a self-employed person. With such insurance you can get the legal help you need up to a certain amount.

Legal expenses insurance needed

You probably don't expect to ever need legal expenses insurance. Yet a legal conflict occurs more often than you might think. Whether you need legal expenses insurance depends on your personal situation and your financial capacity. Suppose you find yourself in a legal conflict, are you able to pay the legal costs yourself? Costs for a lawyer can be high. Often the annual premium for a legal expenses insurance is a lot less than the hourly cost of a lawyer.

Cheapest legal expenses insurance

Legal expenses insurance is not the cheapest insurance. If you want to be insured extensively, the monthly premium can sometimes be quite high. Fortunately, you can compose the insurance according to your own wishes. The cheapest legal expenses insurance for you depends on your personal situation and the number of modules you take out. Of course, the more modules you take out, the more expensive the insurance becomes. To help you find the cheapest legal expenses insurance, we have made a step-by-step plan for you.

Business legal expenses insurance

Business legal expenses insurance provides you with legal support in conflicts with suppliers or customers, for example, but also in internal matters such as conflicts with your staff. Such legal matters can often turn into complex and time-consuming cases for which many entrepreneurs do not have the time and/or the necessary knowledge. That is why it is advisable to take out legal assistance insurance for companies. In this way, you know that you can rely on a legal specialist in the event of a conflict and he will ensure that you get what you are entitled to.

Legal expenses insurance without waiting period

Usually a legal expenses insurance has a waiting period. Nowadays some insurers offer legal expenses insurance without a waiting period. After taking out the insurance you are then immediately insured in case of a conflict. Be careful though, because there are often a number of conditions attached. For example, even in the case of a legal assistance insurance that you can use immediately, an ongoing conflict is excluded. So it still makes no sense to take out legal assistance insurance on the day you are fired or get into a conflict with your landlord.

Legal expenses insurance companies

Legal expenses insurance is available for both private individuals and companies. For companies you have to take out a different legal assistance insurance, namely a business legal assistance insurance. The legal assistance insurance for companies ensures that you are protected as an entrepreneur in business conflicts. For example, a conflict about a delivery with a supplier or a conflict with a debtor. Especially as an entrepreneur, you have to deal with many different stakeholders, so a conflict is sometimes in a small corner. With a business legal assistance insurance you will receive legal help and advice from specialists in case of an unexpected conflict that arose due to the performance of your business or profession.

Business legal expenses insurance

Business legal expenses insurance provides you with legal support in conflicts with suppliers or customers, for example, but also in internal matters such as conflicts with your staff. Such legal matters can often turn into complex and time-consuming cases for which many entrepreneurs do not have the time and/or the necessary knowledge. That is why it is advisable to take out legal assistance insurance for companies. In this way, you know that you can rely on a legal specialist in the event of a conflict and he will ensure that you get what you are entitled to.

Legal expenses insurance without waiting period

Usually a legal expenses insurance has a waiting period. Nowadays some insurers offer legal expenses insurance without a waiting period. After taking out the insurance you are then immediately insured in case of a conflict. Be careful though, because there are often a number of conditions attached. For example, even in the case of a legal assistance insurance that you can use immediately, an ongoing conflict is excluded. So it still makes no sense to take out legal assistance insurance on the day you are fired or get into a conflict with your landlord.

Legal expenses insurance companies

Legal expenses insurance is available for both private individuals and companies. For companies you have to take out a different legal assistance insurance, namely a business legal assistance insurance. The legal assistance insurance for companies ensures that you are protected as an entrepreneur in business conflicts. For example, a conflict about a delivery with a supplier or a conflict with a debtor. Especially as an entrepreneur, you have to deal with many different stakeholders, so a conflict is sometimes in a small corner. With a business legal assistance insurance you will receive legal help and advice from specialists in case of an unexpected conflict that arose due to the performance of your business or profession.

Take out legal expenses insurance

Taking out legal expenses insurance is very easy at Alpina.nl. Closing starts with comparing providers. Fill in some information in our handy online comparison tool and easily compare legal expenses insurance on price and content. You can also easily switch modules on and off, or see what this does to the amount of the premium. When choosing the coverage, think about what you want to be insured for. Have you made the right choice? Then you can take out the insurance directly online.

Legal expenses insurance abroad

Some insurers only offer cover in the Netherlands and not throughout Europe for certain disputes. If you want coverage abroad for certain disputes, it is important that you pay close attention to this when comparing insurers. Many disputes will actually take place in the Netherlands. For example, disputes concerning work and income, such as about an employment contract and pension entitlements. It is important that you pay attention to what the best coverage is when you take out legal assistance insurance. Do you travel often abroad or do you have your own home abroad? Then pay attention to the coverage abroad.

Legal expenses insurance divorce

In the event of a divorce, the cover provided by the legal assistance insurance is often limited. This has to do with the fact that it concerns a dispute between two insured parties on the same policy. If there is coverage, it is often only for mediation. In mediation, you and your partner are assisted by an independent (third) party. This party is called the mediator. He or she helps to make arrangements and takes into account both you and your partner's (feelings). The maximum amount that you can spend under your legal assistance insurance can be found in the policy conditions.

Take out legal expenses insurance

Taking out legal expenses insurance is very easy at Alpina.nl. Closing starts with comparing providers. Fill in some information in our handy online comparison tool and easily compare legal expenses insurance on price and content. You can also easily switch modules on and off, or see what this does to the amount of the premium. When choosing the coverage, think about what you want to be insured for. Have you made the right choice? Then you can take out the insurance directly online.

Legal expenses insurance abroad

Some insurers only offer cover in the Netherlands and not throughout Europe for certain disputes. If you want coverage abroad for certain disputes, it is important that you pay close attention to this when comparing insurers. Many disputes will actually take place in the Netherlands. For example, disputes concerning work and income, such as about an employment contract and pension entitlements. It is important that you pay attention to what the best coverage is when you take out legal assistance insurance. Do you travel often abroad or do you have your own home abroad? Then pay attention to the coverage abroad.

Legal expenses insurance divorce

In the event of a divorce, the cover provided by the legal assistance insurance is often limited. This has to do with the fact that it concerns a dispute between two insured parties on the same policy. If there is coverage, it is often only for mediation. In mediation, you and your partner are assisted by an independent (third) party. This party is called the mediator. He or she helps to make arrangements and takes into account both you and your partner's (feelings). The maximum amount that you can spend under your legal assistance insurance can be found in the policy conditions.

Report damage

Do you have a damage? Then you can report it online using the form below. Do you need a towing service urgently? On your green card you will find the telephone number of the emergency service to which your insurance company is affiliated.

Click here to report a claim online.

Report a change

Do you want to adjust your insurance or has something changed in your personal situation? You can reportdifferent types of changes.

  • Change personal data
  • Change of address
  • Changing other insurance
  • Cancelling insurance

Report damage

Do you have a damage? Then you can report it online using the form below. Do you need a towing service urgently? On your green card you will find the telephone number of the emergency service to which your insurance company is affiliated.

Click here to report a claim online.

Report a change

Do you want to adjust your insurance or has something changed in your personal situation? You can reportdifferent types of changes.

  • Change personal data
  • Change of address
  • Changing other insurance
  • Cancelling insurance

How do we work?

As an intermediary, we are not part of any insurance company. This means that we have no financial or production obligations to the companies we work with. When comparing insurance, we consider your personal situation and specific wishes regarding coverage. Alpina makes insurance clear and fast.

Money back guarantee! (14 days)

Your insurance enquiry will be assessed quickly, 24 hours a day, 7 days a week. You can then immediately take to the road with peace of mind. You don't have to worry about your old insurance either. You can cancel it with us directly online.

Supervision

Alpina complies with all legal requirements of the AFM. Thus, we have the necessary licenses and diplomas and we are affiliated with the Financial Services Complaints Institute(Kifid).

How do we work?

As an intermediary, we are not part of any insurance company. This means that we have no financial or production obligations to the companies we work with. When comparing insurance, we consider your personal situation and specific wishes regarding coverage. Alpina makes insurance clear and fast.

Money back guarantee! (14 days)

Your insurance enquiry will be assessed quickly, 24 hours a day, 7 days a week. You can then immediately take to the road with peace of mind. You don't have to worry about your old insurance either. You can cancel it with us directly online.

Supervision

Alpina complies with all legal requirements of the AFM. Thus, we have the necessary licenses and diplomas and we are affiliated with the Financial Services Complaints Institute(Kifid).

Customers about Alpina

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Last updated: 27-07-2022

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