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How to cancel your household or personal liability insurance

Terminate household or personal liability insurance

How to cancel your household or personal liability insurance

The individual insurance companies regulate the applicable notice periods and all cancellation modalities in the General Insurance Conditions. In principle, the contract for household contents or personal liability insurance is terminated by termination, taking into account the reasons prescribed by the contract or the law. 

Terminate household or personal liability insurance

Important: If cancellation is not received by the insurer in time, the contract is automatically extended for another insurance year. One speaks here of a "tacit extension". As a rule, the usual notice period is three months at the end of the insurance year.

These deadlines apply to individual reasons for termination

The following list provides an overview of when and for what reason you can terminate your household or personal liability insurance contract:

    • Termination after minimum term
      Notice period: three months, contract ends at the end of the insurance year
    • Termination after an increase in the premium or deductible
      Notice period: no time limit, but before the end of the insurance year in question, the contract ends at the end of the insurance year
    • Termination through an increase in premiums due to increased risk
      Notice period: 30 days from delivery of the notice of the premium increase, the contract ends 30 days after receipt of the notice of cancellation by the insurer
    • Termination due to violation of information requirements
      Notice period: four weeks from becoming aware of the violation, the contract ends upon receipt of the notice
    • Termination due to the provision of services in the event of damage
      Notice period: 14 days after knowledge of the payment, the contract ends 14 days after receipt of the notice by the insurer

The insurer itself can also terminate the contract for household or personal liability insurance and only does not have to observe a notice period if the insurance fraud is terminated. In this case, the contract automatically ends when the notice of termination is received.

How to terminate the contract for household or personal liability insurance

If you want to terminate the contract for household or personal liability insurance, you can do so with an informal letter. Write to the insurance company directly and make sure that you comply with the above notice periods. You can also use a form for termination, which can be filled out on the Internet. Mention the contract number of your insurance company and the reason for the cancellation, so that the insurance company can correctly assign the respective deadline and terminate the contract accordingly. Don't forget the signature!

In some cases, insurers offer the service that they can terminate their old policyholders' old insurance. This means that you choose a provider for your new household or personal liability insurance and give them the approval to cancel your previous insurance for you. You save a lot of effort and paperwork.

Conclusion on the termination of household or personal liability insurance

You can cancel your household or personal liability insurance for various reasons. Be it because there was a breach of the insurer's duty to provide information or because you were recalculated for your premiums after the damage had been paid: you have the right to cancel your insurance at any time. There are different deadlines for the individual reasons for termination, which must be observed; the contract ends accordingly

Reason for termination either immediately or at the end of the insurance year.
If you cancel the offers for a new one before canceling the old insurance Compare household and personal liability insurance, you have the opportunity here!

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When do you need household insurance

When do you need household insurance

When do you need household insurance?

Household contents insurance, like private liability insurance, is not a compulsory insurance in Switzerland. Nevertheless, it is advisable to take out the insurance if you cannot or do not want to pay for the damage yourself in the event of damage. Because: If no such insurance is taken out, you remain at your own expense if, for example, the bathtub overflows and the water drips through the tenant's ceiling below you. You have to pay for the damage yourself. Fire damage can also quickly become expensive.

When do you need household insurance

The household contents insurance also reimburses you for the damage that occurs if burglars break into your apartment or house and steal the good jewelry. Or if you are on the go and your notebook is stolen, although this point is not automatically included in every household insurance. Separate protection via an additional module is required here, which can be? Simple theft abroad? referred and jumps in cases of stolen handbags, laptops or bicycles.

Home contents insurance covers, among other things, damage to the following items:

    • Furniture
    • electronic equipment
    • dress
    • stolen things

The damage can be caused by fire, water, smoke, burglary, theft or vandalism. Without a household insurance with sufficient coverage, it is not possible to get the damage compensated.

Home insurance usually insures at replacement value, which means that you can get your belongings replaced at the price of a new, comparable item. If, for example, the television is destroyed by implosion, you get the value for an equivalent device replaced. In addition, other costs are included in the insurance, for example costs for an overnight stay in a hotel because your own apartment has become uninhabitable, or costs for replacing the door locks because the old ones were destroyed in the event of a break-in.

In order to be fully covered, however, a little caution is required when drafting the contract. Normally, all items that are in the household are included in the household insurance. Household insurance also protects things that are out of the office at short notice, for example when moving from A to B. However, go for a walk and take your smartphone with you, which unfortunately will be stolen, it is not insured. Unless you have the above-mentioned module? Simple theft abroad? included in the policy. Burglary and robbery, on the other hand, are automatically included in the insurance contract.

Conclusion: when is home insurance necessary?

Household insurance should always be taken out if you live or have rented your own apartment. It is important to have a sufficient amount of insurance, because with underinsurance you will not be able to get sufficient compensation for possible damage. If the damage is greater than the amount insured, you will have to pay the rest yourself. Please also consider including possible additional options in the insurance policy, for example to have sufficient insurance for the bike you use to get to work.

Here you can find the offers for household contents and personal liability insurance in Check home contents and liability insurance comparison and find the best offer for you. Together with our information, you will soon be in the picture and on the best way to be optimally insured!

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When do you need private liability insurance?

When do you need private liability insurance?

When do you need private liability insurance?

Every adult is liable for any damage that it causes, be it intentional or unwanted. This means that everyone who caused the damage is also obliged to pay for the damage. You are also liable if you are responsible for people, animals or things and cause damage. Popular example: Are you putting on your colleague's glasses? You have to pay the damage. Does your child throw in a window pane while playing football? You are liable for it. Your dog tears the postman's pants? You have to pay for the damage.

When do you need private liability insurance?

It gets worse when people are injured, because personal injuries usually involve high costs for treatment and sometimes for rehabilitation. In addition, your income may be lost due to the disability you caused. This has resulted in financial loss that will also cost you dearly.

In all of these and other cases, you need private liability insurance, because you are liable with all your assets for the damage that you are responsible for. Important detail: You are liable with your current and future income and in the worst case get into debt for life.
The private liability insurance therefore bears the following damage:

    • damage to property
    • personal injury
    • financial losses
    • Damage to borrowed and used vehicles
    • Damage to rented horses

The normal personal liability insurance covers damage that you cause with a rented vehicle. However, if you borrow this vehicle regularly, the damage will not be borne. However, it is possible to include this point in the insurance as a third party driver insurance so that you are fully protected again.

Because private liability insurance also protects against unjustified claims, it is doubly useful. All too often, third parties make demands because they are said to have harmed you. The private liability insurance examines the present case and fends off the claims if the claims turn out to be unjustified. This is connected to you at no additional cost. An exception is the deductible, which is to be borne for each insured event in the agreed amount.

Important: tenants of apartments or houses often have to be able to provide proof of an existing personal liability insurance. The landlord would like to secure himself with it and know that the apartment is protected against tenant damage. A Liability insurance comparison in Switzerland makes it easy for you.

Conclusion: when is private liability insurance necessary?

Private liability insurance is indispensable for anyone who no longer falls under the protection of this type of insurance for him (for example in the form of family insurance). The reason: Even if it is not compulsory insurance, everyone must be liable for any damage caused by him. This in turn means that, if necessary, the entire wealth, as well as today's and future income, must be used to pay for the damage. Personal injury and financial loss can lead to personal bankruptcy. In summary, it can be said that private liability insurance is always necessary and should be regarded as one of the most important types of insurance.

Would you like to know more? Then you can see the offers in Search home contents and liability insurance comparison and get an idea of the comparatively low cost of very good protection for you.

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Personal liability insurance: the most important questions & answers

Personal Liability Insurance

Personal liability insurance: the most important questions & answers

Even if the name suggests otherwise, private liability insurance is not a compulsory insurance in Switzerland. Nevertheless, experts absolutely recommend taking out this insurance. Here are the most important questions and answers about private liability insurance:

Personal Liability Insurance

Why should I take out personal liability insurance?

Private liability insurance protects against existential risks. If you cause damage, it must be paid for. If it is an object, it is usually still affordable. However, if a person is injured, treatment and rehabilitation costs can be immense. Financial losses can also go hand in hand if the injured person is no longer able to work for a longer period of time or cannot work at all. Personal liability insurance is essential to protect yourself from the financial consequences. It also protects against unjustified claims and thus represents passive legal protection insurance.

What is covered in private liability insurance?

As already mentioned, property, personal and financial losses are covered. These can occur together or individually and are treated by the insurance company with different amounts of cover. It is important that personal injuries and financial losses are insured with several million francs, because the costs of damage in these areas can very quickly become very high. Anyone who is not or not sufficiently insured is liable with their private assets, which in the worst case can result in debt or even personal bankruptcy.

What levels of cover are possible?

The coverage amounts are usually five million Swiss francs, but an increase in insurance to ten million Swiss francs is usually possible. Damage to third-party vehicles is often limited to CHF 100,000; damage to borrowed horses is borne at a daily rate plus CHF 10,000 in compensation. These sums are only examples of different coverage levels, because they differ depending on the provider of the insurance.

What is not insured?

Personal liability insurance, for example, does not cover damage that the insured person inflicts on himself or another co-insured person. Damage that is suffered through the exercise of the professional activity itself is also not insurable. If material damage occurs as a result of wear and tear or expected damage occurs, the insurance does not step in. Damage caused by a transmitted illness and the deliberate commission of a crime are also excluded from the payment of private liability insurance.

Is there a deductible?

The deductible is the amount that is to be borne by each case of damage. Only the amount of damage that exceeds the deductible will be covered by the insurance. In most cases, a deductible of CHF 200 is agreed; higher sums are also possible. The higher the deductible, the lower the premiums to be paid annually. A Liability insurance comparison Switzerland lets you sort by that.

Is there a pension coverage?

If two partners get married or move in together, the partner who was not previously in the household is included in the insurance. As a rule, precautionary cover is also granted to people who move out of their shared apartment or if the policyholder dies. This extends over a period of three months if the event is reported within this time. After that, the respective person must be regularly included in the insurance contract.

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Household insurance: the most important questions & answers

Household insurance

Household insurance: the most important questions & answers

Household insurance is not compulsory, but is recommended considering the risk of damage from theft, fire or broken glass. Here are some of the most important questions and answers about this insurance.

Household insurance

Should I take out household insurance?

Yes, it is absolutely advisable to take out household insurance, because damage from a leaked aquarium, an overflowed bathtub or broken windows can quickly become expensive. A break-in, theft or fire can also cost you dearly. The household contents insurance covers the damage and reimburses the insured amounts.

What is covered by home insurance?

As the name suggests, the household contents insurance covers damage to the household contents. This includes electrical appliances as well as furniture and clothing. Vandalism, fire, water, burglary and theft are the common risks that you can insure against with home insurance. The new value of the products is used as a basis. In addition, other costs are reimbursed, such as costs for the replacement of locks, furniture cleaning or overnight stays in the hotel.

Is there a deductible?

As a rule, a deductible is agreed, which is between 200 and 500 Swiss francs. You bear this yourself. The sum that exceeds the deductible is covered by the insurance.

What insured amounts are possible?

The sum insured should always be as high as the value of the household items. If there is underinsurance in the event of a claim, the benefits will be reduced and you will not receive the full damage. Overinsurance, on the other hand, only drives up premiums and does not help you. Decisive is always the new value of the household goods, you will no longer get replaced. Important: Check your insurance status regularly and adjust the insurance sums if necessary.

Is there automatic theft insurance?

Protection against burglary is always included in the household contents insurance. For this purpose, the perpetrator penetrates your premises, although in theory there is also the possibility that only one container is broken open. Simple thefts that are committed abroad must be included separately in the household contents insurance. Thefts are insured here that do not fall under the definition of burglary or robbery (theft under the threat or perpetration of violence). Lost items cannot be insured separately.

Are bicycles insured?

Bicycles are only insured outside of your apartment or house if you have the option? Simple theft away? have completed with. This option also includes handbags or notebooks if they are carried and stolen on the go.

What does household insurance cost?

The value of the objects to be insured as well as possible additional options are decisive for the premium amount in household insurance. On average, premiums between 150 and 300 Swiss francs can be expected, although particularly expensive items can of course increase insurance costs significantly.

Should broken glass be recorded separately?

Broken glass can be insured separately in household insurance, which is also recommended. This includes broken windows because, for example, the children's football did not hit the goal but the window. Broken panes of furniture or a good display case can also be insured with it. Broken glass is not automatically included in the home contents insurance.

Would you like to find out more about household insurance? You can take out household contents and personal liability insurance for household contents and Liability insurance comparison check and find the best provider or insurance product for you.

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What is private liability insurance

Personal Liability Insurance

What is private liability insurance?

The private liability insurance is designed to protect the property and covers damage that you inflict on third parties. Justified claims are covered by the insurance, while unjustified ones are warded off. In this sense, private liability insurance takes on the function of a passive legal expenses insurance.

Personal Liability Insurance

Even small damages can result in high claims if, for example, an injury to Person A that you are responsible for leads to high treatment costs or loss of property for you. Private liability insurance covers the financial consequences of the misfortune for you. 

A private liability insurance can be taken out cheaply as a combined product with the household insurance.

These risks are insured

Liability claims can quickly cost many thousands of francs and thus become a threat to your existence. Even if private liability insurance is not compulsory, it is therefore highly recommended that you take out one. The following groups of people can be insured:

    • Individuals and families
    • pet owners
    • Tenants (including holiday apartments)
    • Homeowners in their own home
    • part-time employees
    • Members of the Swiss Army, community service workers, firefighters
    • Athletes, shooters and gun owners
    • E-bike riders and cyclists
    • People who take care of things
    • Employer of household staff

If a rental property is deliberately changed, however, the costs for this are not borne. The restoration costs of a rental property are not borne by private liability insurance. So if you paint the rental apartment green before moving out, but the landlord wants to have white walls, you have to pay for the correction yourself. Furthermore, property damage, damage due to violations of the law and damage in the context of paid activities are not covered by private liability insurance.

Insured persons and scope

The private liability insurance always covers the persons who are also listed in the insurance policy. Important to note: Coverage under a family insurance policy may vary depending on the provider. For some, children are insured until they complete their first education, for others, however, children up to the age of 30.
A private liability insurance is valid worldwide, there are no regional or spatial restrictions for the scope.

These benefits are insured

Personal liability insurance usually covers damage to property and people. In addition, financial loss resulting from personal injury or property damage is insured. The aforementioned passive legal protection effect comes into play when claims are made against you. The insurance then checks whether you are liable in individual cases or not. If necessary, the claims against you will be warded off.

Additional cover can also be insured: owners of model aircraft can benefit from this extension as well as people who rent or use foreign horses. Third-party driver insurance can also be taken out. This happens when you borrow a car and cause damage. The liability insurance of the vehicle owner does not bear the damage in this case! Important: It can only be an exceptional case. Regular rental and use of the vehicle cannot be covered by third-party driver insurance.

Conclusion on personal liability insurance

Personal liability insurance is rightly named: Even if it is not a real compulsory insurance, it should still be seen as such. It protects against existential risks by assuming personal injury, property damage and financial loss. In addition, it fends off unjustified claims against you and can be expanded with various additional covers. This provides comprehensive protection against liability claims for you or your family.
Find out more about this insurance here and take a household items and Liability insurance comparison in front. An unbeatable combination for your protection!

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What is home insurance?

what is household insurance

What is household insurance?

The household contents insurance covers furnishings and furniture after water damage, after a burglary, fire or other events at new value. Movable objects that are intended for private use are protected, and various risks are also covered. Household contents insurance is often combined with private liability insurance because such a combination product is cheaper.

what is household insurance

These risks are insured

The following risks can be insured in household insurance:

    • Water damage (including damage caused by aquariums or water beds)
    • Fire, blaze and smoke
    • Burglary and robbery
    • Lightning strike, scorch damage, explosion and implosion
    • natural hazards

Important: Household insurance is not a compulsory insurance in Switzerland! However, there are individual cantons in which the conclusion of fire and natural damage coverage is mandatory. Specifically, these are the cantons of Jura, Vaud, Freiburg and Nidwalden. Cantonal fire insurance is mandatory for the cantons of Vaud and Nidwalden; in the other cantons, coverage can be provided through private insurance.
The following risks are not hedged:

    • Damage caused by wars and internal unrest, by riots, rebellions or riots
    • Damage from earthquakes and volcanic eruptions
    • Damage caused by changes in the structure of the atomic nucleus

In addition, the insurers can individually provide further exclusions.

Scope and insured group of people

Household insurance can be taken out as individual or family insurance. In the latter variant, several people are covered in one household. It is also possible to add another person to individual insurance if, for example, a couple moves in together. The household goods that are in your own four walls are protected, and separate rooms, which also belong to your place of residence, are also insured. This can be cellars or craft rooms, for example. In addition, the external insurance covers the part of the household items that is not currently in the household. This is relevant if a move is carried out and some of the household items have already been moved out of the apartment.

In addition to the usual cover from fire, water or burglary damage, additional cover can be agreed. These then relate, for example, to glass on the building or to furniture, to simple theft when you are away and a household insurance can be taken out.

Household insurance provides these benefits

The household contents insurance insures your household goods at new value and thus enables the repair or replacement of damaged objects. In addition, various follow-up costs are also insured, whereby maximum amounts are set for this. Such follow-up costs include:

    • Clearance and disposal costs
    • Cost of living
    • Cost of a lock change
    • Mitigation and rescue costs
    • Replacement cost
    • Costs for emergency measures and emergency glazing

Conclusion on household insurance in Switzerland

Home insurance may not be compulsory, but it is an excellent addition to insurance coverage. It covers damage caused to personal belongings. Common risks include fire, water, theft and natural hazards, theft outside the home and broken glass can also be insured. Because the apartment is rarely devastated by a flood when you are not living in a risk area, protection against theft and burglary is most important.

You can now take advantage of the offers for combined household contents and personal liability insurance in Use a home contents and liability insurance comparison or find out about individual products. Worth it!

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Comparison of Swiss providers of legal expenses insurance

Legal providers

Comparison of Swiss providers of legal expenses insurance

Each of the providers offers their own rules regarding waiting periods and termination rights. What they all have in common, however, is that they do not waive the right of termination after a claim.

Legal providers

This means that the insurance company or the insured person has 14 days to cancel the insurance even after settling a claim. Otherwise, it usually applies that termination is possible at the end of the insurance year.

The individual insurance companies offer different combination packages. These are not useful for all insured persons, so it is advisable to take a close look before taking out the insurance and compare which benefits are actually needed. Combi products are usually cheaper in the annual premium. If benefits that are not required are insured, the person concerned will have to pay dearly again.
Real estate legal protection is not possible for every insured person. This is usually done as part of a privateLegal protection insurance offered, but this is only possible at an additional cost.

In general, fines, costs in favor of third parties or liability insurers as well as compensation payments under private legal expenses insurance are excluded. This applies equally to traffic legal expenses insurance.
The insurers mentioned offer their services to private individuals. Important: Legal expenses insurance always applies to disputes that have their place of jurisdiction in Switzerland or in the Principality of Liechtenstein.

The following table provides an overview of the most important providers of legal expenses insurance in Switzerland:

insurance
Products
headquarters
insurance carrier
Assista TCS
TCS Standard (private legal protection) TCS Standard (traffic legal protection) TCS Standard (private and traffic legal protection) TCS Plus (traffic legal protection)
Vernier
Assista legal protection AG
CAP
CAP for owners (private legal protection) CAP (for owners) (private and traffic legal protection) CAP for tenants (private legal protection) CAP for tenants (traffic legal protection) CAP (for tenants) (private and traffic legal protection)
Wallisellen
CAP Rechtsschutz-Versicherungsgesellschaft AG
Dextra legal protection
Dextra legal protection (private legal protection) Dextra legal protection (traffic legal protection) Dextra legal protection (private and transport legal protection)
Zurich
Dextra Rechtsschutz AG
Groupe Mutuel
Groupe Mutuel (private legal protection) Groupe Mutuel (traffic legal protection) Groupe Mutuel (private and transport legal protection)
Vernier
TCS AG
Protekta
Protekta (private legal protection) Protekta (traffic legal protection) Protekta (private and transport legal protection)
Bern
Protekta Recherschutz-Versicherung AG
Visana
Visana (private legal protection) Visana (traffic legal protection) Visana (private and transport legal protection)
Bern
Protekta Recherschutz-Versicherung AG
AXA-ARAG
AXA-ARAG OPTIMA (private legal protection) AXA-ARAG OPTIMA (traffic legal protection) AXA-ARAG OPTIMA (private and traffic legal protection) AXA-ARAG BASIC (private legal protection) AXA-ARAG BASIC (traffic legal protection) AXA-ARAG BASIC (private and traffic legal protection)
Zurich
AXA-ARAG Rechtsschutz AG
Coop legal protection
Coop legal protection (private legal protection) Coop legal protection (traffic legal protection) Coop legal protection (private and transport legal protection)
Aarau
Coop legal protection AG
ELVIA
ELVIA (traffic legal protection) ELVIA (private and traffic legal protection)
Zurich
CAP Rechtsschutz-Versicherungsgesellschaft AG
Helsana
Helsana (private and traffic legal protection) Important: Take out insurance only after taking out one of the products: Healthcare supplement TOP or COMPLETA at Helsana
Zurich
Helsana legal protection AG
smile direct
smile.legal clever (private legal protection) smile.legal clever (transport legal protection) smile.legal clever (private and transport legal protection) smile.legal premium (private legal protection) smile.legal premium (transport legal protection) smile.legal premium (private and transport legal protection)
Zurich
Coop legal protection AG
Basel insurance companies
baloisedirect.ch (private legal protection) baloisedirect.ch (traffic legal protection) baloisedirect.ch (private and traffic legal protection)
Vernier
TCS AG
CSS
CSS (private legal protection) CSS (traffic legal protection) CSS (private and transport legal protection) CSS Economy (private legal protection) CSS Economy (traffic legal protection) CSS Economy (private and transport legal protection)
Lucerne
Orion legal protection insurance AG
Generali
Fortuna Generali TOP (private legal protection) Fortuna Generali TOP (traffic legal protection) Fortuna Generali TOP (private and transport legal protection) Fortuna Generali BASIC (private legal protection) Fortuna Generali BASIC (traffic legal protection) Fortuna Generali BASIC (private and traffic legal protection)
adliswil
Fortuna Rechtsschutz-Versicherungsgesellschaft AG
Justis legal protection
JUSTIS legal protection without traffic (private legal protection) JUSTIS legal protection (private and traffic legal protection)
Etoy VD
CAP Rechtsschutz-Versicherungsgesellschaft AG
VCS
VCS legal protection (private legal protection) VCS legal protection (traffic legal protection) VCS legal protection (private and transport legal protection)
Basel
Orion legal protection insurance AG

If you want to know more about the individual insurers or find legal protection insurance now want to, click here and compare the offers!

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10 tips for legal expenses insurance

10 tips for legal expenses insurance

10 tips for legal expenses insurance

Here are ten important tips that you should consider when taking out legal expenses insurance!

10 tips for legal expenses insurance

1. Make a risk assessment first

Legal protection insurance can be useful, but it is not always necessary. Before taking out such insurance, check whether you are exposed to such risks at all. For example, the risk of getting into a major legal dispute is significantly greater for tenants of an apartment or for workers who drive to work every day than with a pensioner or homeowner who lives in his own house. Many risks are not insured at all, as is often the case with family, divorce and inheritance law.

2. Use free options

Anyone who is a tenant in the Tenant Protection Association can take advantage of free legal advice in the event of a dispute. The community arbitration boards can also be used free of charge. Furthermore, proceedings before the social security court are not associated with costs for you, which also applies to labor law processes. If the assistance of a lawyer is deemed necessary in the legal process, but you cannot pay for it, there is an offer for free legal assistance. These options help you to save money because you do not have to cover such cases with legal protection insurance. Of course, legal protection insurance offers significantly more room for maneuver if there is a risk that is also covered by the insurance.

3. Traffic legal protection insurance also for pedestrians


Do you live in the big city? Or do you take a walk every day or do you walk to work? Then legal protection insurance can also be useful for you. Contrary to the general assumption, this is not only useful for those who drive their car every day, but also for people who regularly do without it and use other means of transport or are on foot. Disputes often arise in accidents, which are made worse if such accidents result in lengthy or even incurable injuries. It can be about the degree of work ability as well as the future pension amount, compensation payments and the assumption of legal costs. The premium for traffic legal expenses insurance is negligible compared to the possible costs!

4. Compare offers

Not only should you check whether various legal protection insurance services are already covered by another insurance (e.g. parts of real estate legal protection insurance via building insurance), you should also look at the prices and services of the individual providers. These differ enormously in some cases and it is quite possible that a provider may charge twice the amount for the same service. In some cases, benefits are also severely restricted and are only increased if horrendous additional premiums are charged. Exact testing and comparison are the order of the day!

5. Choose a lawyer yourself

Most legal expenses insurers do not give their policyholders a free choice when it comes to hiring a lawyer. Are lawyers then prescribed here? if these are not commissioned but a different one is chosen, the insurance benefits will be refused. If you do not want to be confined to the insurance lawyers, you should make sure that you have a free choice of lawyer when you sign the contract. In some cases, the selection is only based on? Specialist lawyers? limited, which is a limitation you can still live with if the remaining terms of the insurance contract are acceptable to you. The disadvantage of insurance lawyers: they often try to make a comparison and do everything to avoid an expensive process. In many cases, this can be detrimental to the insured.

6. Note termination options

Before signing the insurance contract, make sure that it can be canceled at any time. Most of these contracts are tacitly renewed for one year if they are not terminated with a specific notice period at the end of the insurance year. It is also important that you can give notice for an important reason outside the normal notice periods. Most insurance companies reserve the right to terminate after a claim has been settled. The policyholder should also have this right!

7. Observe waiting periods

Before you sign the contract, please note the waiting periods, which are also known as waiting periods. The insurance providers differ in this point and so there are providers who have waiting periods of one month as well as those who have a waiting period of three months. These deadlines are often differentiated according to which legal area is affected. In general, no insurance claims based on pending disputes will be accepted. So if you think it would be possible to take out legal protection insurance because a dispute with the landlord threatens to end up in court, you're wrong! It is precisely this approach that is to be prevented, which is why insurers are waiting.

8. Note exclusions

Many exclusions are the same for all insurance companies. No legal protection insurance will surely take over disputes involving disagreements between the insured and one's own company. Disputes arising from family law, divorce and inheritance law, liability cases or legal cases relating to tax and levy law are also not taken over. In addition, the individual insurers can include further exclusions in their contractual terms and thus determine in which legal case they will act and when not. Insurers often also differ in typical points, such as in labor law. While some providers completely exclude such protection, others at least offer initial advice from internal lawyers.

9. Note the coverage heights

A legal dispute can quickly become very expensive. It is not for nothing that most legal expenses insurance companies have ruled out family law disputes, because there are the most common legal cases that involve high costs. It is therefore important for you as the policyholder that the guaranteed levels of coverage per insured event. These are usually given per case and calendar year. In addition, a maximum amount for advice from the lawyer is often contractually stipulated. It is important to know that many insurers provide for termination if there are regular insurance claims. Even if these cases are actually covered by legal expenses insurance, no insurer accepts that he regularly has to pay large amounts for an insured person. He will exercise his special right of termination.

10. Register a claim in good time

Almost everyone is familiar with this procedure from car insurance: if an accident has occurred, the insurer would like to be informed immediately of all the details. If necessary, he will appoint an expert and have the actual damage estimated before payment of the services. This procedure is also important for legal expenses insurance. A possible dispute is first reported to the insurance company, which then decides on how to proceed and, if necessary, makes a cost commitment. If you do not take this step, but contact a lawyer directly for advice, you can expect the benefits to be cut by legal expenses insurance. They cannot be deleted entirely, but a reduction is permitted. It is therefore always advisable to inform the insurer first and only then to take further steps in the possible legal dispute.

Additional tip: Find legal protection insurance now and compare the offers!

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Legal protection: When does the insurance cover apply?

Legal protection Start of validity

Legal protection: Start of validity / When does the insurance cover apply?

It is a common experience of insurers that those interested in legal protection insurance register and conclude a contract. At almost the same time, a request for assumption of costs in a legal dispute is made.

Legal protection Start of validity

Unfortunately, this is unnecessary, because legal disputes that are already in progress will not be taken over. The inquirers receive a rejection and have to bear the costs incurred by the lawyer, expert and court.

With the waiting period, also known as the waiting period, insurers protect themselves against possible abuse and against someone claiming a benefit who has not yet paid anything in the form of the annual premiums to be paid. Usually there is a waiting period of between one and three months, although the insurance policies differ. 

But not only the insurers themselves can set different waiting times, different waiting times can also apply to individual legal areas. One example of this is legal protection for tenants, which is usually set for a three-month waiting period. For example, if a lawsuit is filed for termination, it is foreseeable after moving out and is therefore not covered by the insurance. 

But if you already have ongoing legal expenses insurance and then file a lawsuit, you can rely on the insurer's benefits.

But who already has one ongoing legal protection insurance leads and then filing a lawsuit can rely on the insurer's services.

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