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Is my family covered by my legal expenses insurance?

Many people regard legal assistance insurance as an unnecessary luxury. After all, how often do you actually end up in a conflict? Nevertheless, it may be wise to take a look at a legal assistance insurance, because all sorts of conflicts can arise in everyday life. Not only for yourself, but also for the rest of your family. But if you take out legal expenses insurance, is your family also insured?

family legal expenses insurance

Legal expenses insurance for the whole family

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 includes not only 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

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Which legal expenses insurance should I take out for my family?

Legal expenses insurance can be especially important for a family. What if your partner or child is hit by a bike? Or that a conflict arises with your neighbours? Or that a shop does not take you seriously when you complain about a defective product? In all these situations legal aid comes in handy.

Which legal assistance insurance you should take out depends on your personal situation. You can choose from various modules, such as Consumer and Housing, Fiscal and Capital, Work and Income and Traffic. Of course, you never know in advance what kind of legal conflict your family will get into. Therefore, you should think carefully about the situations in which you would like to be properly insured. When is legal assistance for you and your family really indispensable? In addition, you can check whether there is an overlap with other insurance policies you have. For example, do you already have legal assistance insured with your car insurance? Then the module Traffic is not necessary for you.

Higher premium

When you take out legal expenses insurance for the family, you pay a slightly higher premium than when you take out legal expenses insurance for just you or you and your partner. However, the difference is not very large. Moreover, with a family coverage, any parents (in law) living at home are also insured. Take a look at the difference in costs between a legal expenses insurance for the family and a legal expenses insurance for a single person.

In addition, there are often large premium differences between the various insurers. Has something changed in your family situation? Then it could be that you are cheaper with another legal expenses insurer. That is why it is wise to compare legal expenses insurances to see with which insurer you are insured the cheapest.

Report changes

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. It is important that an insurer is aware of changes, because the premium of the insurance and possibly the coverage has to be adjusted accordingly. If you do not report the change and subsequently claim a loss, there is a chance that the insurer will not pay out any compensation. Make sure that you always report changes on time. Here you can find how to report changes.

Get legal expenses insurance for your family through Alpina

Do you want to get legal expenses insurance for your family? Then you have come to the right place at Alpina! Through our online comparison tool you can easily compare different insurers. Look not only at the premiums, but also at the coverage and policy conditions. Have you found the best family legal expenses insurance? Then you can easily take it out online. If you still have questions, you can always reach us at telephone number 088 - 6883700 or send us a message via the chat function, WhatsApp or Messenger.

Calculate the premium for your legal expenses insurance directly!

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