When does the insurance cover apply?

Most important criterion: The insurance coverage does not refer to legal disputes that are already running! Only the legal cases in which the event occurs in the course of the contract are covered.

When does the insurance cover apply?

In addition, only those cases that are reported to the insurance company within the applicable period can be taken over in terms of costs.
Waiting periods must be observed in some cases. This stems from the fact that some things are likely to lead to disputes. An example of this is the termination of the apartment. All too often former tenants and landlords meet here in court.

The background to the waiting periods is that the insurance company wants to protect itself against cases in which it is asked to pay, although it was already foreseeable that a legal dispute would arise. The insurance protects itself against abuse by customers. Most insurers have a general three month waiting period when taking out one private legal protection insurance on. The start of the period is the date on which the insurance contract is signed.

In some areas of law, it is possible that the waiting period may vary and be longer or shorter. The insurance companies regulate these deadlines individually, so that a comparison of different providers should also refer to this point. If you want to cover yourself completely, you should take out private legal protection insurance as early as possible. The experience of insurers shows that many people interested in such insurance only come with an inquiry when the insured event has already occurred. Then, however, nothing can be changed and the litigation must be financed out of one's own pocket.

Tip: Find legal protection insurance now and compare the offers!

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