Legal expenses insurance

With our legal expenses insurance, you will always receive telephone advice , legal assistance where necessary, and even support at a competitive rate if your dispute is not covered.

The insurance is structured in modules , so you can choose exactly what suits you. The Consumer & Traffic module is included as standard in our legal expenses insurance. The Income, Housing, Family, and Tax & Wealth modules are optional.

No, not by default. The insurance is primarily intended for you as the applicant. But would you also like to insure your family? You can easily do so when applying or by having it noted on your policy. This way, you can both benefit from the same security.

Besides yourself, your partner, children living at home or elsewhere for study, family members in the same household, and even an au pair living in your home are also insured. This way, everything is neatly arranged, and you can be sure that you and your loved ones are well protected.

Yes. This legal expenses insurance is specifically designed for private individuals. This means you're covered for legal questions and conflicts in your personal life . Business matters—such as starting a business, working as a freelancer, or earning income outside of employment—are not covered. This keeps coverage clear and transparent, tailored to your personal life.

Good to know: The insurance does not cover conflicts between co-insured parties, such as family members. An exception is divorce mediation within the Family module.

Our legal expenses insurance covers everything you encounter in your personal life. Are you starting a business or working as a freelancer? Then that's not covered.

In principle, you are insured for disputes in the Netherlands. However, the insurance sometimes covers the entire EU, Norway, Switzerland, and the United Kingdom (Consumer and Income module), and sometimes even the entire world (Traffic module). You must reside in the Netherlands.

With the Consumer & Traffic module, you're never alone with legal questions or conflicts in everyday life and on the road. You'll receive assistance if you, as a consumer, have a conflict about a purchase or service, if the government makes a decision concerning you, or if someone causes you damage or holds you liable. Board members of an association or foundation can also count on support. In addition, you're protected in traffic: whether you're walking, cycling, driving, or flying, you'll receive legal assistance in the event of damage, injury, or an unlawfully confiscated driver's license. And for added peace of mind, you can add coverage for contractual disputes concerning motor vehicles, boats, or even aircraft.

With our additional Motor Vehicle coverage, you're guaranteed legal assistance with contracts involving your car, motorcycle, boat, or even an aircraft. Think of disputes about purchases, sales, leases, repairs, or insurance. This puts you in a stronger position if something goes wrong, and you can be sure you'll receive the right support.

The Housing module gives you a strong legal footing regarding your home. You'll receive assistance with disputes concerning your owner-occupied or rented home, your garage or allotment garden, and even your second home in the Netherlands. This could include matters such as:

• Damage or problems caused by others to your home.
• Disputes regarding the purchase, sale, maintenance or work on your home.
• Problems with the homeowners' association or rental agreements.
• Disputes with neighbours, for example about noise pollution or overhanging branches.
• Government decisions that affect how you live, such as building permits, zoning plans or expropriation.

In short: with this module you are well protected and you can count on legal assistance when it comes to your living situation.

With the Income module, you receive legal assistance with everything related to your financial security. You are covered for support with:

• Assistance with disputes regarding your social security benefits, provisions or pension entitlements and payments.

In addition, if you choose the Employment option, you can also receive legal assistance in the event of conflicts surrounding your work.

In short: with this module you will be in a stronger position when it comes to your income, pension and social rights.

With the Employment option, you receive legal assistance with conflicts related to your work. You are insured for:

• conflicts with your employer or former employer, including matters such as options or shares.
• legal support for problems related to your position or function.
• assistance with complaints or allegations that you have not acted in accordance with professional rules, including situations that are dealt with under criminal law.
  

With this coverage, you will be stronger in your work and you can be sure that you will have legal support when necessary.

The Family module provides you with legal assistance in all matters related to personal and family matters:

• support in conflicts regarding adoption, out-of-home placement or other family law issues.
• Assistance with disputes between heirs or with the executor of a will, as long as the inheritance occurred after the start of your policy or the module.

This module will enable you to deal with important personal and family matters with confidence and support.

With the Divorce Mediation option, you'll receive support in ending your marriage or registered partnership. Together with your partner, you'll be assigned an experienced mediator who will help you make clear agreements, so you can both move forward with peace of mind and clarity.

What you get:

• One accredited mediator per marriage or partnership.
• We will reimburse costs up to €3,250.
• For couples who have been married or in a registered partnership for at least one year and have had this coverage with ARAG for three years.

This makes a difficult step a lot easier, with professional guidance and financial security.

The Tax & Wealth module provides legal assistance with legal disputes concerning your assets and taxes. You'll receive help in situations such as:

• conflicts when buying, selling or managing shares, options, bonds, turbos, trackers, savings deposits, currencies and other securities.
• problems caused by incorrect or misleading financial advice.
• objection or appeal against a tax assessment, including disputes with your tax advisor.

Your legal assistance is valid for the entire period of the dispute, so you can be sure that you are well protected.

Do you have a legal question that's not covered by your insurance? Don't worry, we won't let you down. With our Telephone Legal Advice service, you'll always receive a free initial consultation from a specialist.

Need more? Then you can count on ARAG Legal Services : professional legal assistance at a competitive rate. This way, you don't have to search for it yourself and you can be sure you'll receive the right support quickly.

Yes, in some situations you can choose your own lawyer or specialist. You are not allowed to arrange this yourself – ARAG will always engage the specialist for you and reimburse the costs according to the terms and conditions. This could be, for example:

• if judicial or administrative proceedings are necessary.
• if both you and the other party are insured with ARAG.

The lawyer must be registered and have an office in the country where your dispute is taking place. Once an external specialist handles your case, ARAG can no longer take over.

This way you always receive the right legal support, with the assurance that everything is arranged properly.

If a conflict was already ongoing before you took out the insurance , there is no coverage . Legal expenses insurance is only intended for new, unexpected conflicts that arise during the term of your policy.

As soon as you discover a conflict, please report it to us within three years . The sooner you report it, the better we can help you. If your insurance or module has been terminated, you must report the conflict within one month ; otherwise, you will lose your right to assistance.

The insurance begins on the date stated on the policy. If you don't pay the premium on time, we can cancel the insurance.

With us, you can always adjust or cancel your insurance. Want to expand your coverage? Send us a completed and signed application form. Is your address changing? You can easily let us know, without a form . Want to exclude a module or component, or cancel your insurance? You can always do that, without giving a reason. Simply send us a letter at least one month before the desired date, and we'll take care of the rest.