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What are the costs for a legal expenses insurance?

The costs of a legal conflict can be considerable. To be insured for this, you can take out legal assistance insurance. A basic legal expenses insurance covers the costs of smaller disputes and traffic cases as well as legal and other expert mediation. But what are the costs for a legal expenses insurance?

legal expenses insurance

Costs depend on various factors

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.

Need legal expenses insurance? Calculate your premium!

What are the average costs per month?

There are large differences in the average monthly costs for legal expenses insurance. These costs depend entirely on your personal situation. You can take out several modules for a legal expenses insurance. The more modules you take out, the higher the monthly costs will be.

You can choose from various modules, such as Consumer and Living, Tax and Capital, Work and Income and Traffic. If you are on the road a lot with your car, you can choose the module Traffic for example. This way you are insured for conflicts that arise in traffic. Conflicts also regularly arise when buying or selling a home. With the Consumer & Housing module you are insured for legal assistance in a wide range of consumer issues. Do you want extra certainty in case of conflicts at work? Then you can take out the Work and Income module. This way you only choose the modules that apply to you and you have influence on the final costs of your legal assistance insurance. Do you choose only 1 module? Then you are of course cheaper than when you take out three modules.

You can save on the cost of your legal expenses insurance by taking out more insurance policies at This is called package discount. For example, you can take out your home insurance, building insurance, liability insurance and/or travel insurance together with your legal expenses insurance. The more insurance policies you take out, the more discount you get. You can pay the insurance premium for legal expenses insurance per month, quarter, six months or year.

To give you a better idea of the costs of legal expenses insurance, we have calculated the premium for four different situations:

Family composition Cover Own risk External costs Premium per month
Single without children Consumer & Housing Module €100 €0 €12,17
Family with children Consumer & Housing Module €100 €0 €14,89
Single without children Consumer & Housing, Traffic, Income, Taxes & Assets Module Nil €2000 €27,95
Family with children Consumer & Housing, Traffic, Income, Taxes & Assets Module Nil €2000 €34,19

Calculate the cost of your legal expenses insurance through Alpina

Do you want to calculate the costs for a legal expenses insurance for your own situation? This can be done very easily with our online tool. After filling in your postal code, age and family composition, you have to make choices. Which modules will you take out? How high will the excess be? How high will the external costs be? Then you will get an indication of the monthly premium. You can easily go back and forth in the online tool to add or remove modules and compare premiums. This way you will get a good idea of the difference in costs.

Do you still have questions about the costs of your legal expenses insurance? Then please do not hesitate to contact us! We are happy to help. That way, you will not face any surprises in case of a legal conflict.

Calculate the premium for your legal expenses insurance directly!

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