Legal assistance insurance (rechtsbijstandverzekering)

What is the Best Option for You?

In everyday life, we face a variety of situations that can lead to unexpected legal conflicts. From disputes with neighbors to problems at work or legal disagreements when buying a home, it is essential to consider the need for legal protection.

What is legal assistance insurance (rechtsbijstandverzekering) and why consider it?

A rechtsbijstandverzekering (legal assistance insurance), also known as legal protection insurance, is a coverage designed to provide financial assistance in various legal situations.

Situations in which legal assistance insurance (rechtsbijstandverzekering) may be of help

  1. Marital problems: Faced with the end of a relationship, conflicts over the division of assets or the custody of children may arise. Legal advice is essential in these circumstances.
  2. Labor issues: Unjust dismissals or wage problems may require legal assistance to protect workers’ rights.
  3. Housing disputes: Problems with both landlords and neighbors can be complicated without legal help.
  4. Investments and finances: Major changes in financial life, such as the purchase of a home or investments, may require legal advice.
  5. Traffic accidents: In the event of legal disputes over liability and compensation arising from traffic accidents, having legal assistance insurance can provide confidence.

Advantages and disadvantages of legal assistance insurance (rechtsbijstandverzekering)


Cost savings: Accessing legal counsel for a flat monthly fee can result in significant long-term savings.
Preparing for the future: Being prepared to face unforeseen legal situations.
Coverage customization: Tailor coverage to specific needs.


Depends on usage: Paying for coverage that may never be used.
Pre-conflict requirement: Coverage does not apply to legal problems in progress at the time of contracting the policy.

Types of coverage

In the legal assistance insurance you can contract the coverages you wish, these are added separately to the policy. The coverages you can choose from are:

Consumer: Covers disputes with companies, family conflicts, problems with online purchases, etc.

Claim for a defective product.
Cancellation of a flight or trip.
Dissatisfaction with a service provided (e.g., a restaurant or a clinic).
Problems with a product warranty.
Claim for damages.

Housing (Wonen): Covers problems with buying, renting or renovating a home, conflicts with neighbors, etc.

Conflict with the community of owners.
Claim for damage to the home caused by a third party.
Problems with the construction or renovation of the home.
Tenants: non-payment of rent, damage to the property, etc.
Homeowners: delinquency in community payments, evictions, etc.

Traffic: Covers damage to vehicles, traffic accidents, disputes with garages, etc.

Traffic fines.
Claim for damage to a parked vehicle.
Loss or theft of the vehicle.
Defense in case of a traffic accident.
Disputes with the vehicle’s insurance company.

Work & Income (Werk & Inkomen): Covers disputes with the employer, dismissal, pensions, scholarships, etc.

Claim for unpaid wages.
Workplace harassment.
Recognition of labor rights.
Labor incapacity.
Unfair dismissal.

Taxes and Wealth (Belasting & Vermogen): Covers issues with taxes, investments, wealth management, etc.

Claim of undue taxes.
Inheritance and wills.
Donations and inheritances.
Problems with the public administration.
Wealth management.

Separation (Mediation) (Scheiding (mediation)): Covers mediation costs in case of separation or divorce.

Custody of children.
Distribution of assets.
Liquidation of the matrimonial regime.


  • The conditions of each module vary according to the insurance company.
  • Read the policy conditions carefully before taking out the policy.

How much does legal defense insurance cost and how to choose the right one?

The cost of legal assistance insurance can add up quickly. Fortunately, it is possible to obtain legal assistance insurance for only a few euros per month. This type of insurance covers the costs of legal assistance in the event of a legal dispute or conflict.

There are several factors that influence the price of the premium. Below you will find more information on the different factors that affect the cost of legal assistance insurance.

Factors influencing the cost of legal defense insurance

  1. Family status: Premiums may vary according to family status due to the perceived risk of facing legal situations.
  2. Type of coverage: Different coverage modules are available, from protection in consumer cases to assistance in tax or traffic matters.
  3. Number of modules selected: The more modules you add, the higher the monthly premium.

Deductible and waiting time considerations (wachttijd)

Opting for a higher deductible may reduce the monthly premium, but it is crucial to evaluate the likelihood of requiring legal assistance.

Some insurers have a waiting period (wachttijd). A waiting period means that during this period, you may not have full access to insurance benefits, which means that any legal incident that occurs during the waiting period (wachttijd) may not be covered by the policy. Some companies may have shorter waiting periods (wachttijd) than others. It is important to assess how long you are willing to wait before you have full access to insurance benefits.

Finding the best option

Comparing the different options available in the market is essential. An online comparison site such as can help you evaluate premiums, coverages and deductibles, considering both cost and quality of service offered.

Who is is an independent platform offering information on legal insurance in the Netherlands. It provides an overview of insurance companies, allowing users to compare options in an unbiased manner.

The site remains free to users by receiving a one-time compensation when insurance is purchased through its platform. However, they do not offer individualized financial advice.

With more than 10 years of insurance experience, the team behind offers valuable insight into the selection of legal insurance.

If you want more information and want to visit you can click on any of the links in this post, by doing so you help the blog and future articles.

Conclusions and informed decisions

The cost of legal defense insurance can vary depending on a number of factors, but investing time in researching and comparing options can ensure effective legal protection without compromising your budget. helps you achieve this. Before making a decision, it is important to consider our personal circumstances, risk tolerance and the likelihood of facing legal problems in the future.

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