German Legal Insurance For Expats

LEGAL Insurance In Germany

German Legal Insurance Explained

The process of finding the right legal insurance in Germany for expats can be overwhelming. Maybe you don’t know if you need legal insurance, or you don’t know which legal insurance to choose. You’re not alone! There’s a lot to consider. For that reason, we’re going to break it down and answer your questions.



Sections in this article:


If You Can’t wait – Here Is The Best Choice For English-Speakers

white_logo_330x180
  • Monthly Cost for Coverage
  • Custom Policies To Fit Your Needs
  • No Fixed Duration, Cancel Anytime
  • English Speaking Customer Support
  • Deductible
  • Website In English
  • English Contract Information
  • "No Claim" Bonus
  • Free Lawyer Hotline
  • Maximum Cover
  • Worldwide Cover

getsafe_legal_insurance
  • €17.79
  • variable
  • unlimited
  • 200.000€

legal insurance in germany

Legal insurance is important because legal disputes cost a lot of money, and you never know when you might find yourself in one. In fact, legal disputes aren’t as rare as you might think. According to Germany’s Federal Statistical Office, there were 1,244,697 civil court proceedings in 2017. That’s why it’s important to get protection with legal insurance.

Legal insurance serves two purposes:

  • To reimburse you your court costs and lawyer fees
  • To give support and advice from lawyers

Legal fees are expensive, no matter where you live. Especially for expats in Germany, legal disputes can be confusing, costly, and time consuming. Lawyers on average cost between €150-500 per hour. That’s a lot of money, but there’s an easy solution. Protecting yourself from hefty lawyer fees and court costs is simple and affordable.


legal insurance in germany

The cost of legal insurance varies depending on the type of legal insurance you purchase and which legal insurance provider you choose. Nevertheless, legal insurance is one of the least expensive types of insurance in Germany. One of Germany’s leading legal insurance providers, Getsafe, offers legal insurance for less than €1 per day.


legal insurance in germany

Legal insurance comes in several different forms. It’s not “one size fits all”. For example, you can get traffic offense legal insurance without getting renters legal insurance, or you can get both. In Germany, the four most common types of legal insurance are private, professional, traffic offense and renters legal insurance.

Private

  • Indemnity legal protection
  • Private Contracts
  • Disputes with administrative authorities

Professional

  • Disputes with your employer
  • Defense in disciplinary and professional conduct cases

Traffic Offense

  • Indemnity legal protection
  • Legal protection in contract and property law (e.g. after buying a car)
  • Misdemeanor legal protection
  • Disputes with financial authorities
  • Disputes with administrative authorities
  • Criminal legal protection
  • Parking violations
  • Driving of external vehicles through insured persons

Renters

  • Disputes with your landlord
  • Disputes with neighbors

You can usually purchase the first three types of legal insurance (private, professional & traffic offense) in one policy. Many legal insurance providers offer policies that include all three because legal cases happen most often within these sectors.

The exact coverage, however, ultimately depends on which insurance policy you buy. For instance, basic plans normally do not include legal protection for inheritance law, tax law or divorce law. In most cases you must explicitly choose to add these to your legal insurance plan.


legal insurance in germany

What’s not covered?

It might seem obvious, but it’s important to note that legal insurance does not cover fines or tickets. For example, if you get a driving ticket, it’s your responsibility to pay the ticket. Legal insurance would help you get advice from a lawyer and pay for the legal costs of going to court. It would not, however, pay for your driving ticket.

You are also responsible for paying your deductible, sometimes referred to as your general excess. Your deductible is the amount you pay before your legal insurance provider pays. For example, let’s say you have €600 worth of legal fees and your deductible is €200. In this case, you would pay €200 and your legal insurance would pay the remaining €400. Deductibles for legal insurance usually range from €150 to €300. Some legal insurance providers will decrease your deductible each year if you don’t file any claims.


legal insurance in germany

What if I don’t have legal insurance?

The biggest consequence of not having legal insurance in Germany is the amount of money you could be forced to pay if you find yourself in a legal dispute. German law mandates that in civil court cases the losing party must pay for all costs. In other words, the losing party would also be responsible for paying the lawyer fees and court fees of the winning party.

To a certain extent, German law also regulates the cost of legal fees. In Germany, legal fees correlate with the amount in dispute. The higher the amount in dispute, the higher the legal fees. And legal fees can add up quickly.

Here are a couple of examples of when legal insurance would be important to have:

  • You’re about to buy a flat in Germany, but the seller decides he wants to increase the price from what he originally stated on the contract. You want to get a lawyer. In this case, legal insurance would pay for your lawyer’s fee.
  • You get salmonella poisoning after going out to dinner at a restaurant. Consequently, for the next few days you’re in the hospital. The owner of the restaurant denies doing anything wrong. Your hospital bill was really expensive, and you want to build a case against the restaurant to pay for the hospital bill. In this example, legal insurance would pay for the court fees and your lawyer’s fees.

A great legal insurance provider in Germany, especially for foreigners, is Getsafe. What really makes Getsafe standout is that all of its services are available in English. In addition, it’s online – no paperwork! You can read about, purchase, and manage insurance directly from your smartphone. And it’s affordable.

white_logo_330x180
  • Monthly Cost for Coverage
  • Custom Policies To Fit Your Needs
  • No Fixed Duration, Cancel Anytime
  • English Speaking Customer Support
  • Deductible
  • Website In English
  • English Contract Information
  • "No Claim" Bonus
  • Free Lawyer Hotline
  • Maximum Cover
  • Worldwide Cover

getsafe_legal_insurance
  • €17.79
  • variable
  • unlimited
  • 200.000€

What does Getsafe offer?

Getsafe offers:

Court, lawyer and legal expert costs: Your court, lawyer and legal expert fees in Germany have unlimited coverage.

Costs for mediation: A mediation is when you settle a dispute without going to court. A mediator assists the settlement. The maximum coverage is €10.000 / year.

Worldwide maximum cover: This is if you need to settle a dispute outside of Europe. The maximum coverage is €200.000.

Your first consultation with your lawyer is free: If you solve your legal problem during the initial consultation with your lawyer you will not be charged.

Free calls with lawyers: Getsafe has lawyers that will answer your questions over the phone for free.

Bail: Your bail would be paid as an interest-free loan. The maximum coverage is €200.000.

Coverage for your children: Your children are covered unless they are married or employed.

Coverage for your partner: With an upgrade to your plan, your partner will also be covered.

Lawyer of your choice: You can choose your own lawyer!

Yearly reduction of your deductible if no claims are filed: If you don’t file any claims your deductible will decrease by €100. On the other hand, if you file a claim your deductible will reset the next year to €500.


Questions you might have before you buy legal insurance:

Will my legal insurance with Getsafe start the same day I buy it?

  • Normally private legal insurance does not have a waiting time. This means that your plan goes into effect as soon as you buy it. There are a few instances, however, in which Getsafe legal insurance has a waiting time:
    • Administrative lawsuits, care lawsuits, and consultation for personal insolvency proceedings have a 3 month waiting time.

Are legal disputes that started before I bought legal protection with Getsafe insured?

  • Prior legal disputes are not covered under Getsafe legal insurance. That is to say, only damages that occur after you have insurance are covered.

Now you know about German legal insurance for expats! Maybe you want to learn more about German private liability insurance. Click here to read everything you need to know!

*Full Disclosure: Some of the links we use on this website are affiliate links. By using those links, you help keep our website free. There is no additional cost for you. We also want to note that we only recommend services we trust and that we would use ourselves.

Leave a Reply

Your email address will not be published.