Arguments with your landlord, your neighbors or your employer can easily happen - but the total costs for a legal battle are not so easy to pay. In some legal cases, a lawyer is a legal requirement, and in others it’s strongly advised to hire one. This usually costs several thousand euros. If you don’t want to have to cover these costs yourself, legal protection insurance is perfect for you.

The following costs are covered inter alia <ul data-bulletType="check"> <li>Costs for your lawyer within the regulatory regulation on fees</li> <li>Court costs and costs for the court bailiff</li> <li>Costs for witnesses and experts</li> <li>Costs of the opposition which you have to refund</li> </ul>

As with our other products, you can easily claim by using the Getsafe App. Just go to Service and let us know what happened. We can also help you on the phone or via mail.

Yes there exists a waiting time for our legal protection product. The waiting time describes the time between your contract starts and your insurance coverage starts.

When buying the product, you can easily select to include your partner as well in the protection. Your minor / unmarried children are anyways included in the protection, as long as they have not started their first permanent job yet.

Private Legal Protection includes: Indemnity legal protection Indemnity means that you receive a settlement for a damage done to you. Criminal legal protection: This legal protection takes effect in the case of unintentional offences or trials concerning bodily injury due to negligence. Social legal protection / Disputes with social authorities: If social services e.g. shorten your disability claim, you can take legal action. Disputes with administrative authorities: Since your son accidentally left his breaktime snack on his maths teacher’s desk chair, his grades have been spiralling down and down. Thanks to the bad marks from the maths teacher, your son is held back a year. We’ll support you in court if you want to fight this decision. Disputes with financial authorities: If, for instance, your expenses for a second, private education are not recognized by the state, you can take legal action.

Traffic Offense Legal Protection includes: Indemnity legal protection: If you were injured in a traffic accident, for example, you can sue the person who caused the accident for damages. Legal protection in contract and property law: This includes disputes after buying a car, or with a repair shop. Criminal legal protection: If you are accused of a criminal offense and want to defend yourself, your legal protection will help. Misdemeanor legal protection: You are accused of passing through a red traffic light or driving to fast and want to fight the accusation in court. We’ll help you in these cases too.

Professional Legal Protection includes: Disputes with an employer: Whether redundancy, late notice, cancellation or salary problems. Disputes with employers can have many causes. We’ll help you defend yourself, even in court. Defence in disciplinary and professional conduct cases: We’ll make sure your rights are upheld if you’re accused of neglecting your duties.

This means that via the so-called JurLine, our legal insurance experts are at your disposal. You can get legal advice at any time. The lawyers will be happy to advise you without you having to file a claim and pay an excess.

In the first year you start with €300. As long as you don't file a legal claim, the excess reduces every year by €100. If you file a claim, your excess will be reset to €500 for the following year. Furthermore, the excess does not apply if the legal protection case is closed with an initial consultation and costs up to €250 plus VAT. A free initial consultation, mediation and the use of our lawyer hotline do not require you to file a claim - you can use those anytime.

Waiting periods 
 
Private: 
3 months in: 
- Administrative legal protection in the private, non self-employed and professional, self-employed sector and in cross compliance procedures 
- Legal protection in care procedures 
- Advisory legal protection in private consumer insolvency and residual debt discharge proceeding 
 
Exceptions - no waiting periods exist: 
- in damages legal protection 
- in legal protection in contract and property law, unless there is a connection with occasional self-employment. In this case the waiting period applies. 
- in tax legal protection, 
- in social legal protection, 
- in disciplinary and professional legal protection, 
- in criminal legal protection, 
- in administrative offense legal protection, 
- in legal protection in family, partnership and inheritance law, 
- in victim advocacy, 
- in consulting legal protection for private copyright - infringements on the Internet, 
- in advisory legal protection for advance directives, 
 
Profession: 
3 months in: 
- Legal protection at work 
- Administrative legal protection in the professional field 
- Legal protection in case of insolvency proceedings applied for by the employer 
 
Exceptions - no waiting periods exist: 
- in damages legal protection 
- in tax legal protection 
- in social legal protection 
- in disciplinary and professional legal protection 
- in victim legal protection 
 
Traffic: 
- No waiting times

You order a new pair of sneakers on the Internet. Every day, you check the mail, but to no avail. Despite having paid, the delivery never comes. You’d then like to go to court to get a refund, but the cost of a lawyer starts at about €4,500. Thank goodness you had legal protection insurance!

Carla sits excitedly in her car on the way to her new job. Suddenly, out of nowhere, a truck pulls out. And who was the careless driver behind the wheel? None other than her ex-boss! Her head hurts, her arm looks a funny shape and the car is a write-off. The costs for legal proceedings will be covered by Getsafe.

Paul and his employer have agreed to terminate their long-term working relationship with a redundancy payment of €80,000. However, because the company is not far away from going insolvent, they can't afford to pay him just yet. The cost of having a lawyer step in will be covered by Getsafe.

Once you buy an insurance, you're usually covered starting the next day. There are, however, a few special cases where you may need to wait a certain amount of time before claiming particular services. The details of your legal insurance will tell you exactly which services are affected.

This is our free-of-charge legal advice service. If you have legal insurance with us, you can reach the hotline 24 hours a day, seven days a week with your legal questions, without having to file a legal claim.

Getsafe is a trading name of Getsafe UK Limited which is an appointed representative of Ambant Underwriting Services Limited, a company authorised and regulated by the Financial Conduct Authority under firm reference number 597301 to carry on insurance distribution activities. Getsafe UK  Limited is a company registered in England and Wales under number 12334612. Registered office: St James House, 13 Kensington Square, London W8 5HD

Getsafe is a trading name of Getsafe UK Limited which is an appointed representative of Ambant Underwriting Services Limited, a company authorised and regulated by the Financial Conduct Authority under firm reference number 597301 to carry on insurance distribution activities. Getsafe UK Limited is a company registered in England and Wales under number 12334612. Registered office: St James House, 13 Kensington Square, London W8 5HD

If you have legal questions and disputes, you will receive professional support and financial coverage from us. With unlimited maximum cover!

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Professional Legal Protection

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FAQ

Why do I need a legal protection insurance?

What costs are covered by my legal protection insurance?

How do I claim?

Can I choose my lawyer freely?

Is there a waiting time and if yes what does it mean?

Are my spouse/partner and family insured?

Are intentional acts insured as well

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Mark Blankenbicker

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