Your comprehensive legal protection in everyday life
Get comprehensive legal protection for everyday conflicts with nextsure's personal legal protection insurance. We are here to support you digitally and competently.
Legal protection in disputes
Expert legal advice
Digital and straightforward
What does a private legal protection insurance do for you?
Coverage of Lawyers' and Court Fees
Protection in Various Areas of Life
Mediation for Out-of-Court Settlement
Telephone legal advice included
The most common private legal disputes and how to protect yourself
In daily life, unforeseen conflicts can quickly become a financial burden. Some of the most common private legal disputes include conflicts in contract and property law, such as defective goods or issues with service providers. Disputes with neighbours or landlords (tenancy law) are also not uncommon. In the field of compensation law, claims can arise after an accident or suffered injustice. With personal legal protection insurance from nextsure, you are prepared for such cases. Our policy covers lawyer, court, and expert costs, allowing you to assert your rights without financial risk. Prevention is important, but solid insurance protection provides the necessary security when it comes to a dispute. Pay attention to the scope and any waiting periods of your insurance.
Powerful and Fair
Our personal legal protection modules for you
Contract Law
Assistance with disputes arising from sales, service, or work contracts in the private sector.
Damages
Enforcement of your claims for compensation, for example, after an accident.
Employment Law
Protection in conflicts arising from the employment relationship (as an employee).
Tenancy law
Support in disputes concerning your rented flat or house.
Traffic Law
Protection in case of conflicts as a pedestrian, cyclist, or public transport user.
Tax law
Legal protection in disputes with the tax office in court.
Social Law
Support with disputes involving social security institutions (e.g. health insurance, pension insurance).
Criminal Law
Defence against the allegation of a negligently committed offence.
Consultation
Telephone legal advice from independent lawyers for quick initial assistance.
Personalised protection for every situation
Peace of Mind in Law
Calculate personal legal protection now!
Cost Trap Legal Dispute: Why Having Legal Protection Insurance is Worthwhile
A legal dispute can quickly become expensive. Legal fees, court costs, expenses for experts, and witness compensations often add up to amounts that can heavily burden or even exceed your personal budget. Even the initial consultation with a lawyer can cost several hundred euros. Without personal legal protection insurance, you bear this financial risk entirely on your own. This can lead to you giving up on enforcing your legitimate claims due to the costs involved. A personal legal protection insurance policy from nextsure covers these expenses in the insured event, allowing you to assert your rights without fear of financial ruin. Investing in such a policy is, therefore, an investment in your financial security and sense of justice. Compare tariffs and pay attention to the amount of coverage and any possible deductible to find the right protection for you.
Legal Protection Insurance: Components and Scope of Services Explained in Detail
A private legal protection insurance typically consists of various components that cover specific areas of life. The core component is the private area, which includes disputes from everyday contracts (e.g., purchase, travel contracts), claims for damages, and often also advisory services in family and inheritance law. Additional components such as occupational legal protection (for non-self-employed activities), traffic legal protection (for all private vehicles and as a road user), and property legal protection (for owners and tenants) can be included. The exact scope of services varies depending on the tariff and provider. Important services include the coverage of lawyer, court, expert, and witness costs, mediation costs as well as, where applicable, bail bonds abroad. nextsure offers you transparent and modular tariffs so that you can tailor your insurance cover to your needs. Carefully examine which areas of law and services are relevant to your life situation.
Waiting times in private legal protection insurance: What you need to know
Many legal protection insurance policies, including personal legal protection insurance, have what's known as waiting periods. This means that the insurance cover for certain legal areas only takes effect after a specified period following the start of the contract. Waiting periods of three to six months are common. This regulation is designed to prevent insurance from being taken out only when a legal dispute is already foreseeable or has occurred. Typical areas with waiting periods include employment law, tenancy law, contract law, or tax law. For some types of cover, such as compensation legal protection or criminal legal protection after an accident, the waiting period is often waived. At nextsure, we provide clear information about the applicable waiting periods in your chosen tariff. Therefore, taking out personal legal protection insurance early is advisable to ensure comprehensive protection if needed and avoid being caught off guard by a waiting period.
Excess in Personal Legal Protection: Smart Ways to Save Costs
The deductible, also known as excess, is an amount that you pay yourself in the event of a claim before the legal protection insurance covers the further costs. Agreeing on a deductible has a direct impact on the amount of your insurance premium: the higher the excess, the lower the premium usually is. Common amounts for deductibles range between 150 and 500 euros per legal case. Choosing the right deductible amount is an individual decision. If you are willing to cover smaller costs yourself to save overall premium costs, a higher deductible can make sense. For those seeking maximum cost security, a policy with no deductible or a low deductible is more suitable. Nextsure offers you various options for deductibles so that you can tailor your private legal protection to your financial situation and risk appetite. Consider what amount you could easily afford in an emergency.
Comprehensive
Niche protection digital
Expert
Expert advice online
Transparent
Clear and understandable
Legal Protection for Families: Special Features and Important Inclusions
A family legal protection insurance policy offers comprehensive coverage for all family members living in the household, including the spouse or partner and minor children. Often, adult children are also covered, as long as they are in their first phase of education and still living at home. Important inclusions for families can be, for example, disputes related to school or daycare places, conflicts arising from children's online purchases, or issues pertaining to youth protection laws. The insurance coverage generally extends to the same areas as a single-person policy, but is tailored to the specific risks faced by a family. At nextsure, we place value on ensuring that your family plan is transparent and meets the needs of all family members. When choosing, pay attention to the exact definitions of co-insured persons and any age limits for children to ensure optimal protection for your loved ones.
Digital Legal Protection: How you can benefit from online services at nextsure
As a digital insurance portal, nextsure places special emphasis on modern and user-friendly online services, even in the area of personal legal protection. Benefit from fast and uncomplicated contract management through our customer portal. Here, you can view your contract details at any time, make changes, or download documents. Reporting a legal protection case can also be done digitally, speeding up the process. Many plans include access to online legal databases with template letters and guides, or an initial telephone consultation with independent lawyers, who are often reachable via video call. These digital offerings save time and effort, providing you with quick access to initial legal assistance. nextsure combines the proven protection of a personal legal protection insurance with the advantages of the digital world to offer you a contemporary and efficient service.
Cancellation of Legal Expenses Insurance: Deadlines and Correct Procedure
The termination of a private legal protection insurance policy is subject to certain deadlines and formalities. Typically, legal protection insurance policies have a one-year term and are automatically renewed unless they are cancelled in a timely manner. The standard notice period is usually three months before the contract ends. There is a special right of termination, for example, after an increase in premiums without an improvement in benefits or after the settlement of a claim, regardless of whether the insurance has provided cover or not. The cancellation should always be made in writing, ideally by registered post with acknowledgment of receipt, to have proof. Include your insurance policy number and the desired termination date. nextsure provides you with transparent information about your cancellation options. However, before cancelling, you should check that you already have new, seamless insurance coverage to avoid being unprotected, especially since waiting periods often apply to new contracts.
What areas does the legal protection insurance cover?
To make the benefits of a legal protection insurance more tangible, here are some practical examples: The Müller family ordered an expensive sofa online, which was delivered with significant defects. The retailer refuses to take the sofa back or refund the purchase price. The nextsure legal protection covers the lawyer's fees for enforcing warranty claims. Another example: Mr. Schmidt receives an unjustified warning due to alleged copyright infringement on the internet. The telephone legal advice of his nextsure plan helps him assess the situation and choose the right course of action; if necessary, legal fees are also covered here. Or: Mrs. Lehmann has a dispute with her neighbour over noise disturbance. Before it leads to an expensive court case, her legal protection finances a mediation, leading to an amicable settlement. These cases show how versatile the protection is and how it helps you pursue your rights without financial worries.
