Legal insurance provides financial support to cover legal costs in a wide variety of situations. Coverage is divided into different categories, each with its own waiting period from the start of your policy. Once the waiting period has passed, here are some common scenarios where legal insurance can assist you.
Professional/work-related issues
Employment disputes: Issues like wrongful termination, non-payment of salary, disputes over transfers, maternity leave, holiday pay, or severance packages.
Workplace defense: Challenging warnings, disciplinary actions, or unfair performance evaluations.
Accidents at work: Disputes with the Employer’s Liability Insurance Association following a workplace accident.
Social workplace matters: Protection against discrimination, or violations of health and safety regulations.
Employer insolvency: When your employer is unable to pay wages due to bankruptcy.
Personal matters
Contract disputes: For example, disagreements with third parties over contracts, such as with internet or phone providers, hospitals, insurance companies, gyms, or moving companies.
Administrative issues: Disputes with tax authorities, school administration (e.g., school placement of a child), or noise violations.
Damage claims: Legal assistance in seeking compensation for malpractice, defamation, fraud, or if you've been the victim of a violent crime.
Family law: Matters related to inheritance, marriage, and civil partnerships.
Note: Coverage does not extend to legal action against a partner listed on the same policy.
University admission: Disputes involving university admissions or academic decisions.
Investment disputes: Conflicts over investments or financial losses.
Internet privacy: Protection against online privacy violations or fraud.
Traffic-related incidents
Accident compensation: Claims for damages after a traffic accident.
Traffic violations: Disputes over parking tickets, speeding fines, or other traffic violations.
Vehicle disputes: Issues with the warranty of a new vehicle, or other disagreements involving repairs.
Other transportation: Legal issues involving biking, public transport, or being a pedestrian.
Administrative matters: Such as recovering a suspended driver’s license or dealing with tax issues related to your vehicle.
Home & property (optional add-on)
Tenant or owner disputes: Issues like rent increases, deposit disagreements, or maintenance responsibilities.
Neighbor conflicts: Disputes regarding noise, property boundaries, or other neighborhood issues.
Administrative or tax issues: Fines or penalties related to housing regulations or taxes.
Construction delays: Legal support for delayed or defective home construction projects.
Criminal defense (optional add-on)
Property damage: Defending against accusations of damaging someone’s property.
Trespassing: Protection from false claims of trespassing on someone’s property.
Defamation: Support in cases where you’ve been accused of defaming someone.
Stalking or harassment: Defense against allegations of stalking.
Tax evasion: Legal defense if accused of evading taxes.
Note: This is not an exhaustive list of covered situations. To check if your specific legal matter is covered, please submit a claim for verification.