In the process of obtaining and then using your insurance coverage, you might come across terms like insurance brokers, risk carrier, risk provider, or claims processing. In this article, we will define these terms to help you better understand who plays what role in your insurance policy.
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​Feather’s role

Feather, as your chosen insurance broker, serves as an intermediary between you and the risk provider. We help individuals find suitable insurance plans, that match their specific needs, and provide an easy-to-use, digital platform to manage the plans you purchase.

It’s important to note that an insurance broker is not the same as a risk provider. Feather is not the entity that assumes the financial risk associated with your coverage even though you pay your monthly premium directly to Feather.

Understanding the risk carrier’s role and how claims are processed

The risk carrier is the entity that assumes the financial risk in case of an insured event. In simple terms, they are the ones responsible for paying for any court or lawyer’s fees in insured events. In the case of the legal insurance we offer, the risk carrier is a company called Roland Rechtsschutz. Roland Rechtsschutz is the insurance provider responsible for processing claims and providing coverage according to the terms of your policy.

Despite not having an influence over the final decisions that are made by the risk carrier, we provide an overview of the coverage offered through the legal policies and have created a digital platform to request phone consultations and submit legal claims (in English).

Feather's support and digital platform

Despite not being the risk carrier, Feather still plays a valuable role in facilitating your insurance experience. We offer digital support through a platform that allows you to access your policy conveniently. We manage your account, including your payments, with the insurance partners on our platform. This platform enables you to request phone consultations for legal guidance or submit a claim for coverage all in English. Our fully digital model means we keep paperwork to a minimum and overhead costs down, passing those savings on to our customers.

Communication with Roland

While Feather assists you in initiating the process, any further communication regarding your legal claims will be handled exclusively between you and the risk carrier. As legal matters are of such high sensitivity, Roland must follow a specific process in order to assist you. They will assign phone consultation requests to their partner lawyers TeReBe, provide updates via email on the status of your claim, request necessary documentation relating to claims, and ultimately make the determination regarding the approval or denial of your claim.

Ultimately, understanding these roles will empower you to engage effectively with both Feather and the risk carrier, ensuring a smoother insurance experience overall.

Contact our support team if you have additional questions about legal insurance or how legal insurance works!