Consumer and Housing Module
One of the modules is the “Consumer and Housing” legal assistance module. What exactly is covered under the “Consumer and Housing” module? With this module, you and your entire family are covered for legal assistance within the European Union for a wide range of consumer matters, such as purchases (in-store or online) and issues with energy, telephone, or internet providers. Has damage been caused to your home (in the Netherlands), or are there disputes regarding your home (such as purchase, sale, rental, maintenance, or renovation)? These are also covered. The same applies to disputes with neighbors or family members.
Divorces are excluded from most policies because they involve a dispute between two insured parties under the same policy.
Legal Assistance for Housing
With the “Consumer and Housing” legal expense insurance, you are guaranteed legal advice in the event of disputes regarding consumer matters. These disputes may relate to the purchase of a product, the delivery of a purchased product, or situations where you wish to cancel a purchase.
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In addition to the consumer legal assistance mentioned above, this module also includes housing legal assistance. This covers disputes regarding the sale of your home, disputes with your contractor, and disputes with neighbors.
Please note: There is a 3-month waiting period after you enroll in the “Consumer and Housing” module. You are not covered for any disputes that arise during the waiting period. There is no waiting period for disputes regarding items you purchase or contracts you enter into after the effective date of your legal assistance insurance with the “Consumer and Housing” module.
Legal expense insurance covers the costs of minor disputes and traffic cases, as well as legal and other expert mediation. The other types of coverage can be purchased separately. Legal expense insurance is not mandatory, but it has proven to be very useful in practice. Keep in mind that, for certain disputes, insurers may only provide coverage in the Netherlands and not throughout Europe. Be sure to pay close attention to this.
Is renting out a home covered by legal expense insurance?
Are you planning to rent out your home? If so, it’s a good idea to check exactly how your home insurance policies—such asbuilding insurance,contents insurance,liability insurance, andlegal assistance insurance—apply. When renting out a property, it’s helpful to have legal expense insurance, as legal disputes can easily arise—for example, if your tenant doesn’t pay rent on time or damages the property. However, whether renting out your home is covered under your legal expense insurance varies by insurer.
What is covered?
Coverage varies by insurer when it comes to renting out your home. With legal expense insurance, you can at least claim legal assistance and advice in the event of disputes with your tenant. Keep in mind thewaiting periodfor legal expense insurance. After taking out legal assistance insurance, you’ll have a waiting period of 3 to 6 months before you can make a claim. Ongoing disputes are also excluded from coverage. Are you planning to rent out your home in the future? If so, take out legal assistance insurance now.
Private legal expense insurance is intended for individuals. If you own multiple properties that you rent out, this is considered commercial rental, and you will therefore needcommercial legal expense insurance. Similarly, if you rent out a property as office or practice space, this is often not covered.
What does legal expense insurance cover in the event of rental disputes?
Both the tenant and the landlord of a home have rights and obligations. Rent must be paid on time, and the property must be properly maintained. In the unlikely event that you find yourself in a rental dispute that you cannot resolve with the other party, it’s helpful to be able to get legal assistance.
Rent a Home
When you rent out a property, it’s a good idea to draw up a lease agreement. This document sets out the terms agreed upon, and both parties sign it. The lease agreement can also include the property’s move-in inspection report. Upon termination of the lease, the property must be in the same condition as it was when the lease agreement was entered into or as specified in the move-in inspection report. You are not required to repair normal wear and tear. If there is no move-in inspection report and the landlord claims that you have made changes to the property, the landlord must provide proof of this. The same applies to any damage to the rental property.
If you had the landlord’s permission to make major changes, you do not have to restore the property to its original condition. If you did not have the landlord’s permission, the property must be returned to the same condition it was in when the lease began upon termination of the lease. It’s also possible that, for changes that improve the property, the landlord may not want you to reverse them. You may even be able to request compensation for improvements you’ve made to the property. Discuss this with the landlord. If you cannot reach an agreement with the landlord, you can contact your “rental housing” legal assistance insurance provider.
The maximum amount you can spend under your legal expense insurance is specified in the policy terms and conditions. If your expenses exceed the amount for which you are insured, you will be responsible for those costs.
Additional Legal Expense Insurance Modules
There are various legal expense insurance policies that cover different types of disputes. Before you purchase a policy, it’s important to first compare legal expense insurance options and see what modules and coverage options are available. At the bottom of this page, you can easily calculate your premium and, if you wish, purchase the policy right away.
In addition to the “consumer and housing” module, basic legal expense insurance can also be expanded to include other modules, namely:
For more information about the coverage provided by these modules, please visit the“Legal Expenses Insurance Coverage”page.
If you need advice, please feel free to contact us. We are available Monday through Friday from 8:30 a.m. to 5:30 p.m. at 088 688 37 00.
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