Legal insurance (called Rechtbijstandverzekering in dutch) is an insurance that offers help and advice concerning legal problems. For example when you are fired because of company restructuring.
Legal expenses insurance has different modules. In this section we will look at the different options.
If you or your family participate in traffic while walking, cycling, driving or sailing and you have an accident you will have legal assistance and advice
If you or your familiy have a conflict relating to employment, pension or benefits you are insured against conflicts like getting fired, forced to do other work or less hours.
If you or your family have a legal dispute about for example your second home within the EU, tax assessments, investment and income tax. You will have legal assistance and advice here.
If you or your familiy have a conflict relating to housing like building permit or a development plan or with renting, buying and selling your house.
The benefits of having Legal insurance are free legal advice, disputes can become very costly in the Netherlands because there are no fixed prices. You will have to pay every hour the lawyer spends on your case. Further you can call your insurer for advice when you are not sure what to do with a dispute with for example your boss, in traffic or with your house. We have listed the top 6 Legal insurance providers below. To make things clear we have added some situations where you can benefit from having legal insurance.
You can choose in which legal cases you want to be insured. Most people insure themselves against conflicts that you as a consumer may encounter. In addition, you can also insure yourself for conflicts around your income, your rental or owner-occupied home or conflicts that arise in traffic.
Having difficulties with your landlord regarding your rental contract? Or were you involved in an accident and need legal assistance? Univé offers legal insurance that assists you with the case. You won’t be faced with high legal fees and you are able to report your case directly online. In addition, you’re also able to choose extra modules. Visit Unive.nl to be insured within 5 minutes.
In case you have a legal insurance in the Netherlands and you have a legal dispute in traffic, work, medical of any other field, make sure you directly call your insurer. They will guide you towards the next step.
If you have a legal dispute but you don’t have a Legal insurance yet, you can contact one of the companies below with your question, in most cases they can offer you advice or even offer you there services for a fixed price. This is called Rechtshulp on demand.
If you know a lawyer and you wish to hire him or her, make sure you contact your Legal Insurance insurer first. If you hire the lawyer before contacting this can result in high costs that are not covered.
In the Netherlands you can check if your Legal insurance provider is registered with Nationaal keurmerk letselschade. You can find on this website if your insurer is registered.
Centraal Beheer is one of the biggest insurance companies in the Netherlands with insurances for legal, home, car, your bike and much more.
ABN AMRO Bank N.V. is the third-largest bank in the Netherlands. They also have highly rated insurances and mortgages. If you already have an bank account with them, this is the easiest option to get Legal Insurance. Check the website for more information.
Univé is a cooperative insurance company in the Netherlands. Univé presents itself as a nonprofit insurer, to express that making profit is not important and therefore has cheaper products.
InShared was founded in 2009 as an online insurer and became one of the most successful insurers in the online market. The go-to market strategy of online differs a lot from the traditional channels, and within this InShared made some clear choices.
ARAG is one of the biggest Legal insurance providers in the Netherlands rated with a 8.4 by their clients.