We offer modern people, whether privately or as a company, secure access to our legal protection products.
What does legal protection mean? Legal protection comes into effect when you need legal help, whether as an injured party or as a plaintiff. LS Legal Assistance Insurance offers protection against all eventualities.
We insure in every case:
Criminal and extended criminal legal protection
Traffic legal protection
Family legal protection (for cases against your family)
Buyer legal protection
These areas are considered the cornerstone of every insurance policy, one or more modules can be added to suit the individual’s needs, such as construction legal protection, employment legal protection, divorce legal protection, rental legal protection, professional legal protection, housing and property legal protection, legal protection for the self-employed, inheritance legal protection, vacation legal protection, special areas applicable to the customer can be added individually.
Protection exists if this is expressly insured. Scope of services
What does legal protection insurance cover?
Legal protection insurance usually covers the costs of representing legal interests in various areas of life. These include:
Costs for lawyers and legal advice,
Court costs and costs for expert opinions,
Costs for witnesses and experts,
Costs for mediation.
What costs are covered?
Depending on the insurance policy, different costs are covered. Typical services include:
Lawyer costs,
Court costs,
Expert costs,
Costs for out-of-court settlements,
Travel costs to court hearings
Different coverage amounts and their meaning
The coverage amount indicates the amount up to which the insurance will cover costs. Higher coverage amounts offer more comprehensive protection, but are often associated with higher premiums. It is important to choose a coverage amount that is appropriate to individual needs and risk.
Our legal protection insurance is available to anyone, regardless of a person’s nationality. The policy is limited to 2 countries at a time. This is always the UK and the country of origin of the policyholder. If the person comes from the UK, any country can be added. Holiday legal protection is available for a maximum of 90 days after leaving one of the insured countries, provided it is insured.
Exceptions and restrictions
Our legal protection insurance excludes certain cases, such as:
Intentional criminal offenses,
Disputes related to construction projects,
Disputes related to war, riots or pandemics,
Matters related to political or public office.
Waiting periods and their significance
After taking out your insurance policy, it is valid immediately but only after 6 months of validity in order to exclude planned incidents. Our insurance applies to legal protection cases that take effect from the 181st day after taking out your premium.
Excess and its effects
The excess is the amount that the policyholder has to pay in the event of a claim.
How are the costs of legal protection insurance made up? The costs of legal protection insurance are made up of various factors, such as:
Extent of insurance cover (private, professional, traffic, etc.),
Amount of coverage,
Amount of the excess,
Age and professional group of the insured,
Contract term.
Factors that influence the amount of the premium. The amount of the premium is influenced by several factors, including:
Age of the insured: Older people often pay less.
Professional group: Professions with a higher risk of legal disputes pay higher premiums. Amount of coverage: Higher amounts of coverage mean higher premiums. Scope of insurance cover: Comprehensive protection is more expensive. Excess: A higher excess lowers the premiums.