What does family law cover under legal expense insurance?

What should you keep in mind?

When taking out family law legal expense insurance, there are a number of things you should keep in mind.

What are you insured for?

Many insurance policies include coverage for “family law” and “inheritance law.” However, this does not mean that you are insured for all matters related to these areas. For example, certain insurance policies may offer different modules, each providing different types of coverage. Mediation between parties, for instance, may be an optional module.

Are you insured while abroad?

Initially, you are only covered for family and inheritance disputes within the Netherlands. But what if you have a dispute with family members abroad? In that case, you’ll need to purchase a supplemental coverage module. With this module, you can receive reimbursement for legal assistance abroad. The key factor here isn’t so much the nature of the problem, but rather where it occurs.

Up to what amount are you insured?

Most insurance policies offer coverage up to a certain amount. This amount can range from €25,000 to an amount of your choosing. Some insurers offer higher coverage limits than others. It is therefore wise to compare insurers to see which one offers the highest coverage at the best price.

Which legal professionals/attorneys do you work with?

Your insurer may assign a legal professional or attorney to you. Often, your insurer has contracts with certain legal professionals and law firms. You may want to find out in advance which firms your insurer has contracts with. That way, you can read reviews and ratings of those legal professionals and attorneys. Then you can be sure you’ll receive the best assistance should you ever need it.

What is definitely not covered?

In any case, there are a number of things that your insurer will never cover.

Purpose

Have you intentionally done something that requires legal assistance? If so, you are never covered for this, and you must pay for the legal assistance entirely on your own.

Domestic Partnership

Legal assistance related to your marriage, cohabitation agreement, registered partnership, and alimony is generally not covered. This is because these are very common cases, which pose a very high risk to the insurer. However, your insurer may offer a supplemental coverage option for these matters.

Conflicts and Fraud

Conflicts arising from organized violence are not covered. Examples include civil wars or uprisings against the government.

Fraud is also never covered by your insurer.

Looking to purchase legal expense insurance? Alpina is here to help

You can take out legal expense insurance quickly and easily with Alpina. Thanks to Alpina’s 40 years of experience, you can count on well-balanced coverage rates. You can choose the coverage options you want. That way, you decide how much your premium will be. Do you have questions about taking out insurance? If so, you can always contact our customer service team.