Did you know that about 40% of German households have legal insurance? That’s a lot of savvy people protecting their rights!
Why?
Let’s say you’re caught in a legal tangle in Germany…
Maybe it’s a dispute with your landlord, a work contract gone wrong. Or maybe your boss hands you a surprise contract change that seems… well, illegal.
Now, the million-euro question: Are you prepared for the potential financial impact of hiring a legal team?
That’s where legal insurance kicks in, and covers the costs for you.
But with so many insurance companies out there, how do you choose the best legal insurance?
Well, don’t worry, we’ve got you covered. We went ahead compared 20 different companies, and analysed their policies to help you get started in your search for the best fit.
Let’s get started!
But first, what is legal insurance and why do you need it?
Legal insurance, or “Rechtsschutzversicherung” in German, is your financial backup plan for legal disputes.
Here are some common legal issues you might face:
- Employment disputes (unfair dismissal, wage claims)
- Tenancy conflicts (security deposit disputes, eviction threats)
- Traffic violations and accidents
- Consumer rights issues (faulty products, service disagreements)
German courts handle over a million civil cases annually, That’s roughly one case for every 83 Germans.
And those don’t come cheap:
- The average lawyer charges between €180 to €500 per hour.
- Court fees range from a few hundred to several thousand euros, depending on the case.
Without insurance, every cent comes straight from your bank account. Even if you win.
So, how does legal insurance work? Let’s say your employer dismisses you and refuses to give you your three months notice. With legal insurance, you can:
- Contact your insurance provider
- Get connected with a lawyer, or choose one on your own
- Pursue your case without worrying about legal fees
Your insurance typically covers:
- Lawyer fees
- Court fees
- Expert witness expenses
- Costs of the opposing party if you lose the case (ouch, but at least you’re covered!)
You pay a monthly or yearly premium, and when legal trouble strikes, you’re covered up to your policy limit.
Need more details on legal insurance? Check out our comprehensive guide.
Now that we’ve got the basics covered, let’s get to the list of what we think are great options for legal insurance.
Disclaimer
Policy details can vary, as insurers offer multiple plans. We selected the one we found most noteworthy, but exploring your options may lead you to a better fit. Our rankings are based on a specific methodology, which we encourage you to review to see if it aligns with your priorities. While we strive for accuracy, the decision is ultimately yours, and speaking with an insurance expert can provide more personalized guidance than this article.
Where to start looking for the best legal insurance in Germany
| Provider | Recommended for | Trustpilot reviews | English Support | Monthly price |
| Feather | English speakers | 4.8/5 | Available | From €13.51 |
| Advocard | Additional services | 1.5/5 | Limited | From €35.44 |
| HUK-COBURG | Seniors | 3.9/5 | No | From €14.71 |
| Allianz | Customizability | 4.1/5 | Limited | From €14.69 |
Feather: For English speakers
| Pros | Cons |
| ✅Full English support. | ❌Does not cover immigration matters. |
| ✅Worldwide coverage. | ❌Not suitable for the self-employed looking to protect their business. |
| ✅Free legal consultations when you first encounter legal challenges. | ❌In some cases, waiting periods of 3 or 6 months apply. |
| ✅Flexible cancellation. | |
| ✅Add your partner to the policy for only €10 per month. | |
| ✅You can go to any lawyer in Germany – there is no preferred network. |
Feather’s legal insurance is a smart choice for expats in Germany, especially if you prefer dealing with matters in English.
One of the great things about Feather is their online reputation: it is the best rated insurance company in Germany, scoring 4.8 out of 5 on Trustpilot.
The 100% digital services make it easy to understand and manage your policy without any language barriers.
Plus, at just €13.51 per month, it’s one of the most budget-friendly option in our analysis.
Feather offers two legal insurance plans:
- Basic Plan: Provides coverage up to €250,000 and covers personal, traffic, and professional areas.
- Advanced Plan: Coverage jumps up to €500,000 and includes extra benefits like home and criminal protection.
While Feather has many advantages, there are a few drawbacks:
- Limited scope: the policy does not cover immigration matters or situations where self-employment is your primary occupation.
- Offline support: If you prefer in-person interactions, you’ll need to opt for another company, as Feather only offers support via video calls, emails and chat.
Overall, Feather stands out with its clear focus on the needs of expats, making legal insurance less of a headache. With easy policy management and a flexible, customer-friendly approach, it’s a reliable choice for those living in Germany.
Legal insurance in Germany from €13.51 per month
Disclaimer
This is our list, so we can’t be completely unbiased. But, backed by more than seven years of insurance expertise and excellent client feedback, we feel we’ve earned a top spot among expats for German legal insurance. Naturally, you’re encouraged to weigh our suggestions with your judgment.
Advocard: For additional services
| Pros | Cons |
| ✅Comprehensive digital protection | ❌ Highest starting price |
| ✅Free legal consultations when you first encounter legal challenges. | ❌ Limited English support |
| ✅High coverage limit | ❌ Yearly cancellation only |
| ✅Additional services like fine checks, employment reference checks, and contract checks available | ❌ Complex range of services may be confusing for some users |
| ✅ID-Protect service to protect personal data on the Internet from identity theft | ❌ Higher premiums may not be justifiable for those who don’t need all the additional services |
Advocard offers a lot beyond ordinary legal protection.
They offer extra services like:
- Personal digital data protection
- Support for tax legal protection (right after you file an objection)
- Family and inheritance law issues, such as child access rights after a separation.
- Legal advice up to €1,000 per year on topics that are not insured.
- 24/7 telephone and online legal advice.
While Advocard offers a lot, there are a few things to keep in mind:
- The monthly cost is the highest in our review, at €35.44.
- Advocard has limited support in English, which could be a challenge for expats.
- You can only cancel after one year, which means less flexibility.
- They have the worst online reviews from our rating, averaging 1.5 out of 5, with 89% of reviews being 1-star.
Overall, Advocard is the best choice if you value comprehensive legal and digital protection along with extra services. However, consider the higher cost, online reviews and language limitations before making your decision.
Disclaimer
We focused on Advocard’s 360° Privat plan, because we’ve found it to offer some of the most comprehensive benefits on the market. Still, other companies may offer similar coverage at a different cost. Please note that the strengths and weaknesses related to coverage details are based on this specific plan. Advocard also offers more affordable plans (with a coverage tradeoff); please visit Advocard’s website for more information.
HUK-COBURG: For seniors
| Pros | Cons |
| ✅Senior-specific plans | ❌ No specific English support |
| ✅Comprehensive family coverage | ❌ Yearly cancellation only |
| ✅Free initial legal consultation | ❌ Billed annually, with no other payment options |
| ✅24/7 emergency call service | ❌ Limited online services compared to other companies in this post |
HUK-COBURG offers specialized plans for people over 60. Their “Rechtsschutz60” plan is designed just for retirees.
It covers the same areas as private and traffic legal protection, and it even offers coverage for retirement benefits disputes. However, its coverage regarding employment matters is more limited.
HUK-COBURG provides extensive protection. You get comprehensive family coverage and a high coverage limit of €5 million. There is also a 24/7 emergency call service available.
They also have a decent online reputation, averaging 3.9 out of 5 on Trustpilot.
Overall, HUK-COBURG’s “Rechtsschutz60” is a well-rounded option for seniors. It offers strong legal protection and affordable pricing, making it an ideal choice if you are over 60 and want a plan designed with your needs in mind.
Disclaimer
We focused on the Rechtsschutz60 plan because we believe the senior population is an underserved market and this tariff deserves additional publicity. However, HUK-COBURG also offers a range of plans designed for individuals of all ages, many of which may offer comparable benefits and competitive pricing. We encourage readers to visit HUK-COBURG’s website for details.
Allianz: For customizable plans
| Pros | Cons |
| ✅Highly customizable plans | ❌ Limited English support |
| ✅Worldwide coverage | ❌ Yearly cancellation only |
| ✅High coverage limit | ❌ Complex plan structure may be confusing for some customers |
| ✅Mediation costs covered for out-of-court settlements | |
✅Premium tariff includes document checks and advice on will creation, parental allowance, pensions, and care |
Allianz offers highly customizable legal insurance plans.
They let you choose and adjust your coverage to match your specific requirements.
With flexible tariff options, you can select from Base, Smart, Comfort, or Premium plans—each offering different levels of legal protection.
Additionally, the modular structure means you can add or remove coverage types, like private, professional, traffic, housing, social, and administrative protection.
Overall, Allianz is a great choice for those who want a legal insurance plan that adapts to their lifestyle. With its customizable structure, you can build a policy that meets your exact needs, making it a strong option for anyone looking for tailored legal protection.
Our methodology
Below is an overview of how we researched the companies featured in this post:
- Expert consultations
We began by consulting our in-house insurance experts to identify 20 potential contenders.
- Policy collection and analysis
We obtained quotes and sample policies for each company’s plans, gathering approximately 50 policies for comparison. We then carefully examined the fine print, focusing on:
- Price
- Coverage details
- Exclusions
- Coverage limits
- Deductibles
- Customer feedback assessment
To gauge customer satisfaction, we reviewed Trustpilot ratings as a proxy. (Please note that this metric may carry a negative bias, as dissatisfied customers tend to leave reviews more frequently than those who are satisfied.) For a broader perspective, we recommend checking additional sources such as Google Reviews and Yelp. We updated these ratings on February 7, 2025.
- Helpline evaluation
We contacted each company’s helpline 10 times over three weeks, at various times and days, to confirm whether they could connect us with an English-speaking representative.
Conclusion
Here is our list of what we believe are the top contenders for the best legal insurance in Germany.
While we have provided a comprehensive overview, the most impartial feedback comes from actual customers.
We highly recommend reviewing a company’s online ratings to ensure the plan aligns with your needs, budget, and expectations. For personalized advice, consider consulting an insurance broker whose advice cannot be replaced by blog posts.
If you would like to find out whether Feather’s legal plans are right for you, feel free to book a call with our experts.
Alternatively, you can email your questions below, and we will respond within a few days.
