Legal expenses insurance is not one of the existentially important policies. However, they can be useful. An investigation by the Stiftung Warentest now shows that many tariffs are good – but some are too expensive.
Troubles at work, arguments with neighbors or a traffic accident: legal aid is worth gold in some disputes. But a lawyer costs money. Legal protection insurance can be used to protect against this risk.
This makes sense, because in an emergency you can argue at eye level with a financially strong opponent, advises the Stiftung Warentest, which has now checked 49 legal expenses insurance for the areas of private life, work and transport for its magazine “Finanztest”. 20 offers scored “good”.
What the testers noticed: The price differences between the tariffs were sometimes considerable. One of the best tariffs in the test was therefore, at a cost of 500 euros, about twice as expensive as a tariff from another company that was also rated “good”. If you are looking for insurance, you should compare the prices exactly.
Not everyone needs a policy for everything
But consumers can also lower their contributions. For example, anyone who is a member of a tenant association does not need legal protection for tenants. Those who are with a union can usually do without additional labor protection. These modules can then be deselected according to the “financial test”, which makes the policy cheaper.
According to the testers, those who have occupational disability insurance should consider taking out a legal protection policy. The reason: there are regular disputes because insurers refuse to pay the pension.
From the experts’ point of view, it is generally advisable to conclude a tariff with a deductible of 150 euros. Without this, the annual fee often increases by more than 100 euros. However, higher deductibles no longer significantly reduce the contribution.
When selecting a lawyer, ask exactly about costs
Legal protection insurers must be careful when choosing a lawyer in legal disputes. Because not all costs are always covered by the insurance. This is the case if the lawyer does not pay according to the Lawyers’ Fees Act (RVG).
If the lawyer demands a higher hourly rate, the client may have to bear the additional costs themselves. Consumers should therefore ask the lawyer about the costs in advance of legal advice.