Compare legal expenses insurance
Before you line up premiums for legal expenses insurance, decide which areas of life to cover and check the waiting periods, exclusions and excess.
The comparison and application process are provided by Verivox. Thinkstars GmbH does not broker or advise; if you sign a contract, it may receive a commission. Learn moreBefore you start your comparison, decide which risks and which people need to be covered. Then compare not just the premium but also the terms, limits and excess.
Have this ready before you compare
Answer the risk questions fully and truthfully. If you are unsure about previous claims, usage or existing contracts, check your documents or get professional advice.
- Choose private, work, traffic and housing deliberately
- Waiting periods and pre-existing disputes
- Free choice of lawyer and sum insured
- Excess and mediation
Verivox comparison tool, clear roles
The comparison tool on this page is provided by Verivox, an insurance broker under § 34d of the German Trade Regulation Act (GewO). Schutz-Guenstiger only embeds the tool. We do not give advice, do not broker contracts and play no part in concluding a contract. Verivox decides which tariffs are shown and in what order. Not all insurers on the market are included in the comparison.
Frequently asked questions
Can a new legal expenses policy take on a dispute that is already under way?
Do not count on it. Disputes that have already arisen or are already in the making are often excluded, and waiting periods may apply as well. Check what counts as the insured event and the terms of the specific offer before you sign up.
Do I need all the modules offered in legal expenses insurance?
Choose according to your life situation, for example private life, work, traffic or housing. For the areas you need, compare the scope of cover, waiting periods and exclusions. A more extensive package only helps if it covers the risks that are relevant to you.
What matters when comparing legal expenses insurance?
The key factors are the areas of life chosen, the sum insured, waiting periods and the list of exclusions. An excess lowers the premium and becomes payable when you have a dispute. Also check whether an initial telephone consultation and mediation are included.
Is an excess worthwhile in legal expenses insurance?
An excess usually lowers the premium noticeably, because smaller cases are reported less often. It mainly makes sense if you could easily pay the amount when a case arises. Weigh the annual saving against the agreed excess before you decide.
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