Is my family covered under my legal expense insurance?

What kind of legal expense insurance should I get for my family?

Legal expense insurance can be especially important for families. What if your partner or child is hit by a car while riding a bike? Or what if a dispute arises with your neighbors? Or what if a store doesn’t take you seriously when you file a complaint about a defective product? In all these situations, legal expense insurance comes in handy.

The type of legal expense insurance you should purchase depends on your personal situation. You can choose from various modules, such asConsumer and Housing,Tax and Assets,Work and Income, andTraffic. Of course, you never know in advance what kind of legal dispute your family might face. That’s why you need to carefully consider the situations in which you’d like to be properly covered. When is legal assistance truly essential for you and your family? You should also check whether there is any overlap with other insurance policies you currently have. For example, if yourauto insurance already includes legal assistance coverage, then the Traffic module is unnecessary for you.

Higher premium

With family legal expense insurance, you pay a slightly higher premium than if you purchase legal expense insurance for yourself alone or for yourself and your partner. However, the difference isn’t very significant. In addition, family coverage also extends to any parents or in-laws living in your home. See the cost difference between family legal expense insurance and legal expense insurance for a single person here.

In addition, there are often significant differences in premiums among the various insurers. Has something changed in your family situation? If so, you might find that switching to a different legal assistance insurer would be more affordable. That’s why it’s wise to compare legal assistance insurance policies to see which insurer offers the most affordable coverage.

Report Changes

Have you already purchased legal expense insurance, but is your family situation changing? For example, because you’re getting married, getting divorced, or having a child? Be sure to always notify your insurer of these changes. It’s important that your insurer is aware of any changes, because the insurance premium—and possibly the coverage—may need to be adjusted accordingly. If you fail to report the change and subsequently file a claim, there is a chance that the insurer will not pay out any compensation. So be sure to always report changes in a timely manner. Here’s how to report changes.

Get legal expense insurance for your family through Alpina

Would you like to purchase legal expense insurance for your family? Then Alpina is the right place for you! Using our online comparison tool, you can easily compare different insurers. Don’t just look at the premiums—also consider the coverage and policy terms. Have you found the best legal expense insurance for the whole family? Then you can easily purchase it online. If you have any questions, you can always reach us by calling 088 – 6883700 or sending us a message via the chat feature, WhatsApp, or Messenger.