Legal insurance advice/recommendations?

26 posts in this topic

4 hours ago, brexitblues said:

Also, it seems to be available only in bundles so if I choose single, this also often covers tenant insurance - as we have both names (me and my husband) on the rental contract, how does this work? Can I still only choose single? Would that mean that only I would be covered with my landlord if I had a problem, but my husband wouldn't?

 

Welcome to Toytown (TT) @brexitblues :)

 

If you have both signed the rental contract then you are joint tenants so, in the event of a dispute over a claim for damages being awarded against you, both of you would be held 'jointly and severally' responsible for the resulting debt probably including both parties court fees and legal costs.

 

It would not matter to the creditor or the court which of you, or which of your legal costs insurers, paid the bill. Whichever one they could most easily enforce their debt title against successfully would be their logical target of choice.

 

I'm pretty sure anyone, single or married, can take out whatever legal costs insurance cover they choose to in their own name. Websites designed to generate optimal cross sales opportunity data may require the input of lots of non-essential info before their interactive user interfaces function though.

 

If you are a member of a trade union or a professional association or guild in connection with your employment you may already be a member of a group legal costs insurance plan which would normally cover the legal field(s) of employment (and/or professional liability risk) law.

 

In some cases it may be possible for individual members to add optional fields of cover to such group policies albeit you would certainly need to check with the appropriate specialist advisor of the respective union or association to verify that.

 

Legal cost insurances are 'relatively' inexpensive compared to the cost of not having one should the need arise, however investing in one which excludes the field of law where you might need it is not a good bargain to strike.

 

If you speak and read German to the extent that you can decifer and understand contractual small print clauses and legalese with confidence then by all means plough ahead and buy it anonomously on the internet. If you do not I would advise you not to do so.

 

IMHO you should talk to one of the expert independent insurance brokers advertising on Toytown who do know their way around the German market and are familiar with the needs of English speaking expats in Germany. They won't bill you for their advise and any insurance they recommend won't cost you any more than it would if you found it yourself, but the fact that it should be most suitable to match your needs is the best reason to contact one of them directly.

 

@Starshollow or @john g. are both regular posters and, wrt insurance matters, valuable contributors to the TT forums.

 

HTH

2B

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I would agree the above.    Hammering insurances at the moment, I would observe two things.First, being self-employed was no barrier in the ones I looked at.  No different from employed and it's better than being "other" (currently inactive). Might you not simply exclude the professional element?  And is it actually that (age is actually what mine gets edgy about)?  Second, insuring both of you might be only marginally more expensive.   It's like 2 Euro a month in mine. If we were one married household, I would almost certainly choose that.  That's where a broker may help.   

 

Look closely at what you need. Excluding anything car or transport related (which is in most standard entry proposals) almost halved it.

 

Sparkasse's got a good little reckoner.  You can simply play with household variables and the main elements of cover and the copayment and quickly see the impacts.   My basics of "private" and "household" are good value.

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Many thanks - much appreciated - I'll check into the Sparkasse one. 

 

I've done a little more reading on some of the more popular insurance bundles on check24 and it explicitly says if you choose SINGLE, you HAVE to be single. Weird. Time to contact Starhollow and many thanks for taking the time to help me.  I'll update with more info as I find it. 

 

 

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Single is single but you can have a " family " legal insurance - often at no extra cost - if you have a partnership situation without being married.

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On 1/16/2018, 2:21:04, Malt-Teaser said:

I'm with HUK, no problems and I've used it twice.

 

I had to hire a lawyer against them because they refused to pay when it came time to using it. 

 

Was a huge stress on top of an ongoing court case and my Lawyers had to stop working on the case.

 

They tried to get out of it by claiming that they were only a cheap insurance so they should have to payout the top amount the policy insured for. 

 

This was after trying every technicality to invalidate the policy. 

 

Horrendous. 

 

Caveat Emptor 

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Hi,

 

Let´s update this topic:)

 

What are your legal insurance recommendations? Which company you´ve used without a problem?

 

 

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