Yes! If you already have legal insurance with another provider and want to switch to Feather, we offer something called gap coverage (also known in German as Differenzdeckung). It’s a way to make sure you stay protected during the transition and don’t lose coverage for issues that might come up right after switching.
How does gap coverage work?
Gap coverage is automatically included if you:
Have a current legal insurance policy with another German provider.
Sign up for Feather before your current policy ends.
Feather’s gap coverage will protect you in areas your old insurer doesn’t cover, up to the limits of your Feather plan. Once your old policy ends, your Feather plan automatically becomes your full legal insurance.
What should I do when switching?
To make the switch smoothly:
Cancel your old policy by contacting your current insurer. Most need written notice.
Take note of the cancellation date: that’s the day your coverage ends with them.
Use that same date as your start date when signing up with Feather.
That way, you’ll avoid any gaps in coverage, and your Feather policy will seamlessly take over when your old one ends.
What if I have a claim during the overlap?
If something comes up while both policies are still active:
You’ll need to contact your old insurer first.
If they reject the claim or only partially cover it, you can then reach out to Feather to see if it’s covered under your new plan.
What about waiting periods, do they carry over?
Most legal insurance contracts in Germany include a waiting period (usually 3 or 6 months) before coverage fully begins.
In general, your time covered with another insurer does not transfer to your new Feather policy.
However, if your current legal insurance was also provided by Roland Rechtsschutz (our legal insurance partner), then yes the waiting period can be waived. Just follow the steps above when signing up to ensure your coverage remains continuous.
Still have questions? We’re here to help, just drop us a message!