Legal insurance in Germany

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Why legal insurance?

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Legal protection in everyday Life

Whether it’s a issues with your landlord, an employer, or disputing a contract with a service provider, legal insurance offers peace of mind.

Access to expert legal advice

Consult expert lawyers anytime for minor concerns or major disputes, and handle your legal matters confidently.

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Avoid high legal fees

Litigation costs in Germany can quickly add up. From lawyer fees to court costs, having legal insurance saves you from unexpected financial burdens.

What’s covered?

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Personal

Protection against matters related to your private life. E.g. contractual issues with your gym membership or instances of your phone provider overcharging you.

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Traffic

Legal protection for unjustified parking fines or accusations, deciding who is at fault for an accident, and hit-and-run cases where you're the victim.

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Professional

Disputes related to your employment. E.g. wrongful termination, termination agreement, or your rights during maternity leave.

Home

Disputes that arise as a tenant or homeowner. E,g. issues with rental contracts, rent increases, property management, or noise complaints.

Criminal protection

Coverage for defense against the false accusations of criminal negligence and offenses like theft, embezzlement, and fraud if you are found not guilty.

What isn’t covered?

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Immigration matters

Matters relating to immigration, visas, and residence permits cannot be covered by the policy.

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Reviewing contracts as a preventive measure

Legal insurance is a damage insurance rather than a preventative one. As such, coverage is only provided if there is a breach or damage.

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Self-employment and freelancers

The policy does not cover business activities for self-employment as a main occupation or activities associated with running a business.

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Anticipated, ongoing, or occurred legal problems

Any matter for which the initial cause of the issue happened in the past or before the end of the respective waiting period.

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When to use legal insurance?

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Employment issues

If you're facing termination or a pay dispute at work, legal insurance can help you seek advice or representation. For example, if your employer withholds your final paycheck, legal help can ensure you get what you’re owed.

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Landlord disputes

Legal insurance can provide support in disputes with your landlord, such as issues with a rental contract or a withheld deposit. For instance, if your landlord raises rent unfairly, legal help can defend your rights as a tenant.

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Traffic violations

You can use legal insurance to contest a traffic ticket or offense. For example, if you receive a citation you believe is unjust, legal assistance can help you dispute the charge.

Who else can be covered?

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Your partner

A spouse, registered partner
or life partner that lives at the same address as you will be covered for ~€10 per month.

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Your children

Children under 18 and children without permanent employment are generally automatically included.

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Frequently asked questions

General
Coverage details
Claims process