Affordably assert your rights
Discover specialised legal expenses insurance - for all your conflicts
Legal aid
Conflicts are there to solve not to win
Legal aid, the insurance that does so much more than pay the costs of legal proceedings.
This insurance is your ally in protecting your rights and resolving conflicts - even if they are not legal in nature.
Our independent, comprehensive legal expenses insurance helps every step of the way. Because you would rather invest your time in what really matters to you.
Why do I need legal aid?
From the beginning: specialised knowledge
Independent legal expenses insurance offers expert advice through lawyers employed by the insurer. Rely on their expertise, they will guide you through the entire process.
It also includes preventive legal advice. This not only supports you in the event of disputes, but also enables you to proactively prevent legal problems.
To the end: protection against legal fees
Legal proceedings are not cheap, especially if they are lengthy (and unfortunately this is often the case).
Thanks to your legal expenses insurance, you do not have to worry about the financial burden of lawyers' fees, court costs and other expenses associated with a conflict. Following expert advice, these costs will be borne for you.
In the middle: conflicts with your insurer
It is best to get independent legal expenses insurance. Because what if you do not agree with your own insurer (e.g. estimate compensation, refuse intervention, etc.)?
With no conflict of interest, the focus is entirely on your interests, as it should be. In addition, an independent insurer offers wider coverage and reimbursement options in different areas of law.
What does legal expenses insurance cover?
Legal expenses insurance offers a wide range of support resources:
Legal advice and assistance
An advantage of legal expenses insurance is direct access to legal advice and assistance. You can always approach your insurer for information about your rights, even if there is no dispute yet.
This provides an opportunity to act proactively and prevent potential conflicts before they accumulate.
Amicable settlements
Your insurer first tries to resolve conflicts amicably. This means negotiating with the other party to find an acceptable solution.
The advantage? It is quicker and often cheaper than court proceedings.
Costs of legal proceedings
If legal proceedings are unavoidable and feasible, your insurer will cover all costs. Including lawyer's fees, experts and court costs.
The reimbursement level depends on your policy and can range from full coverage to a certain maximum amount.
Reimbursement of counterparty costs
Legal expenses insurance also covers the other party's costs in the event of a loss, including court fees and lawyer's fees.
Legal expenses insurance does not automatically provide all support resources for every jurisdiction. Therefore, when taking out the policy, consider in which areas you need specific support.
Indeed, conflicts can arise anywhere: in your family, with your neighbours, your employer, the tax authorities, energy suppliers, other suppliers, etc.
You may not have a crystal ball, but you do have the ability to choose what you expect from your insurer.
Frequently asked questions
Discover the most frequently asked questions about this insurance. Over the years, we have collected this information and summarise it here. Easy, right?
Can I appoint my own lawyer and provide the invoice to the insurance company for reimbursement?
A legal expenses insurer always tries to reach an amicable solution with the other party in the first instance.
After all, your legal expenses insurer has a platoon of lawyers who can untie the problem for you in most cases.
Do you have a conflict? Call our office first, we will inform you of the next steps.
Do I get tax benefits when I take out a legal aid policy?
The legal aid premium entitles you to a tax reduction, not a tax deduction.
This reduction amounts to 40% of the premium paid with a maximum of €128.
Please note that not all types of legal aid are tax deductible - choose the right formula for this. Materné will be happy to advise you.
Do all legal expenses insurers offer impartial resolution?
The risk of conflicts of interest increases when you opt for legal aid from the same insurer that manages your other policies.
Suppose your own insurer does not intervene correctly or wants to recover compensation to counterparties. Would the legal aid department of the same insurer then agree to a different position?
Choose independence, neutral guidance and support.
Do I always have free choice of lawyer?
You have the freedom to choose your own lawyer.
If you do not immediately know a suitable lawyer within the specific field, your legal aid insurer will provide you with valuable connections.
Are all disputes covered under the legal expenses policy?
No, you always choose between various formulas under which different areas of law fall.
Choose consciously which areas you want to be insured for. Clearly defining realistic expectations is essential for peace of mind.
Materné is ready to dish up the possibilities.
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