Why do I need legal expenses insurance?

What is not covered?

Of course, there are some cases that are (probably) not covered by legal expenses insurance.

Coverage area (topographic)

You may not be covered in certain areas. To be covered, the other party in a legal dispute must be within the coverage area. This coverage area may then be within Europe, for example. Often these coverage areas can be expanded with additional modules.

Setup

Is the legal help needed because you yourself intentionally caused the situation? Then these costs will not be reimbursed by your insurer. All costs you incur in that case will be entirely at your own expense.

Divorces

Divorce is not covered by legal expenses insurance by most insurers. However, you may be reimbursed for mediation with your partner by your insurer. Please note that this reimbursement is only up to a certain amount.

Also, termination of registered partnership, cohabitation contract and alimony are generally not reimbursed. However, you can request mediation and probably get reimbursed by your insurance company. Please check your policy conditions.

Fraud

Is legal assistance needed in a conflict that arose because you committed fraud? Then this is never covered by your insurance. As with intent, the costs incurred will be entirely at your expense.

Which legal expenses insurance do you need?

Legal expenses insurance is generally offered in different modules. These can be modules related to your family relationship, traffic situations, pension damage to property, etc.

Which module is applicable to you depends entirely on your situation. For example, do you regularly have conflicts within your family? Then it might be wise to take out legal assistance insurance for these. So you can go by each module and decide for yourself what is applicable to you.

Do you have no idea which modules you all need? If so, it is best to contact the insurance company's customer service department. You may even consider seeking legal advice for this.

Taking out legal expenses insurance? Alpina is at your service.

Get your legal expenses insurance easily and quickly at Alpina . Thanks to Alpina's 40 years of experience, we know how to help you inexpensively. You can choose the modules you want. This way you decide how high your premium will be. Do you have questions about taking out insurance? Then you can always contact our customer service.