Are disputes surrounding divorce covered by legal expenses insurance?
Legal expenses insurance is made up of modules. You choose which modules you will or will 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 assistance 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
A legal expenses insurance does not always cover a divorce. This is because a divorce usually concerns a dispute between two insured parties on the same policy. If there is coverage, it is often only in the form of mediation. In mediation, you and your partner are assisted by an independent (third) party. This person 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.
Divorce with owner-occupied house
In the process of a divorce, agreements are made about the division of your assets, such as, for example, a house. Although divorce is usually not covered by legal expenses insurance, a mediator may be able to help you in this respect. What happens to the property also depends on the situation. Are you going to sell the house or does one of you want to keep living there? Is there any 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 property. You can also ask your mortgage provider for advice.
Divorce with children
Divorce is always a sad and difficult event, especially when children are involved. As a parent, you naturally want everything to be arranged properly for your children during the divorce. That is why agreements about this are laid down in a parenting plan. These are, for example, agreements about visitation, maintenance, upbringing and financial matters. A mediator can help you draw up a parenting plan.
Waiting time
Unfortunately, it makes no sense to take out legal expenses insurance if you are already involved in a divorce. This is because a legal expenses insurance almost always has a waiting period. Especially in case of a divorce, because this happens relatively often. The waiting period varies between 1 and 3 years, depending on the insurer. People often only think about taking out legal expenses insurance when it is too late. When you get married, you do not expect that it will ever come to a divorce. However, you can take out legal assistance insurance for all kinds of conflicts. You are insured for all kinds of disputes, depending on the modules you take out.
Take out legal expenses insurance directly through Alpina
Do not wait too long and take out a legal assistance insurance. Should you ever be faced with a divorce, you can in any case make use of mediation through your legal assistance insurance. With our online comparison tool you can easily compare insurers. Do not only look at the waiting time of an insurer, but especially at the right coverage and policy conditions. Then you can be sure that you are assured of good legal assistance when you need it.
See also
- Is there also a legal expenses insurance without 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?
- Is there any point in taking out legal expenses insurance during a conflict?
- What is the excess for legal expenses insurance?
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