Legal protection insurance: This is how consumers find the best protection

Tips from consumer advice centers

This is how you save money on legal protection insurance

Legal protection insurance is available for a wide variety of life situations. That is why consumer advocates do not recommend all-round protection.

Do you need legal protection insurance or not? According to the Rhineland-Palatinate consumer advice center, at least all-round protection is often not useful. Instead, consumers should check in which areas they have particular needs.

Individual legal protection packages such as “private”, “professional”, “traffic” or “property and rent” are a good alternative. In this way, insurance coverage can be tailored to your needs and more cost-effectively.

Insurance expert at the consumer advice center, Philipp Wolf, recommends private and contractual legal protection, which includes, for example, disputes about tradesmen’s contracts or insurance contracts. In addition, professional legal protection helps in labor disputes. Traffic legal protection insurance can make sense if you travel a lot for work and rely on your driver’s license, says Wolf.

Before taking out a legal protection package, it is advisable to compare different providers. This makes it easier to assess the prices and services of the offers. Consumer advocates recommend paying particular attention to the sum insured, which should be at least 300,000 euros for court and legal fees. In addition, an agreed deductible can reduce the price of the insurance.

But be careful: Many providers have a three-month waiting period when taking out a policy. If legal disputes are already ongoing or foreseeable, the insurance will not apply in case of doubt. Because even the cause of the legal dispute may only arise after the waiting period has expired.