Does it still make sense to get legal expense insurance during a dispute?
People often don’t think about getting legal expense insurance until they actually need it—for example, when a dispute is already underway. Disputes can arise unexpectedly. Whether it’s a wrongful termination, a neighborhood dispute, or a traffic dispute, legal expense insurance comes in handy. But does it make sense to get legal expense insurance in the middle of an ongoing dispute?
Unfortunately, legal expense insurance does not provide coverage for ongoing or foreseeable disputes. This means that if you take out legal expense insurance only after a dispute has already arisen, you will not receive legal assistance for it. The same applies to a dispute that you could have foreseen, such as an announced reorganization. Nevertheless, it may still be wise to take out legal expense insurance even while a dispute is ongoing.
Legal Expense Insurance Without a Waiting Period: Is Coverage Provided During a Dispute?
These days, there are also legal expense insurance policies with no waiting period. Can you actually use them during an ongoing dispute? No, unfortunately not. Legal expense insurance policies with no waiting period come with a number of conditions. One of these is that ongoing disputes are excluded from coverage. So it still doesn’t make sense to purchase legal expense insurance on the very day you’re fired.
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Reasons to Purchase Legal Expense Insurance During an Ongoing Dispute
Most insurers have a waiting period for legal expense insurance. This means you are not covered immediately upon taking out the policy. Therefore, you are not covered for ongoing disputes. The length of the waiting period varies by insurer. Most insurers have a waiting period of 3 to 6 months.
Even if you don’t receive legal assistance for an ongoing dispute, you can still purchase legal expense insurance. This insures you against future disputes. You’ve seen firsthand that a dispute can happen to anyone, at any time. By purchasing this insurance now, you’ll be assured of quality legal assistance later on.
There’s another good reason to get legal expense insurance. You can seek advice from lawyers, and this usually comes at no cost. If you need more than just advice—such as further assistance—you’ll often receive a discount on the fees charged by lawyers affiliated with your legal expense insurer. You can also get free legal advice in advance from Het Juridisch Loket.
Take out legal expense insurance through Alpina
Taking out legal expense insurance is very easy on Alpina.nl. With our handy online comparison tool, you can calculate an estimate of the monthly premium. Think carefully in advance about the situations in which you want to be covered. Based on that, you can decide which modules to select. There are four different modules:
You can then customize the insurance policy to suit your personal needs. Get an idea of the costs of legal expense insurance here.
Do you still have a question? We'd be happy to help. Call us at 088 – 6883700 or send us a message via email, WhatsApp, or Messenger.
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