Your shield on the road
Ensure comprehensive protection in legal disputes concerning your vehicle and mobility with nextsure's traffic legal protection insurance.
Coverage of Lawyer & Court Costs
Europe-wide protection often included
Online Completion & Management
What exactly does a legal protection insurance for traffic provide?
Assumption of Legal Fees
Court Costs Coverage
Expert and Witness Fees
Mediation in Disputes
For whom is a motor legal protection insurance indispensable?
A traffic legal protection insurance is a valuable safeguard for every active participant in traffic, whether you are a car driver, motorcyclist, cyclist, or pedestrian. It is particularly recommended for those who rely on their vehicle daily, frequent drivers, and families with multiple vehicles. Disputes can arise swiftly, whether after an accident, issues with the garage, a fine notice, or even the threat of losing your driving licence. Without legal protection, the costs for a lawyer, court, and expert witness can quickly reach crippling levels. nextsure analyses your individual needs and offers tailored rates, so you do not have to forgo your rights in any situation simply because you fear the costs. Also, consider situations such as the purchase or sale of a used car, where contractual conflicts can occur. Having a strong partner by your side provides the necessary security and financial backing.
Our Services
Your comprehensive traffic legal protection with nextsure
Cost Coverage
Legal fees, court costs, and expert witness fees in litigation.
Damages
Enforcing your claims after an accident.
Criminal Law
Defence against criminal charges in traffic matters.
Contract Law
Assistance with disputes related to vehicle purchase or repairs.
Penalty proceedings
Support with appeals against penalty notices.
Administrative law
Protection in disputes with authorities (e.g. driving licence).
Europe-wide
Often Europe-wide protection for your travels.
Mediation
Coverage for out-of-court dispute resolution.
Online Service
Digital contract management and easy claims reporting.
Discover the core benefits of our traffic legal protection insurance, ensuring you safety and support on the road.
Worry-free travel?
Calculate legal protection for traffic now!
The most common types of claims in traffic legal protection
Among the most common claims covered by traffic legal protection insurance is the enforcement of compensation claims following a traffic accident. This not only includes repair costs but also compensation for pain and suffering, loss of use, or loss of earnings. Frequently, it also covers defence in traffic fines cases, for instance, for speeding, red light violations, or not maintaining distance. Traffic legal protection can also assist with criminal charges, such as negligent bodily harm following an accident. Additionally, it covers disputes arising from contracts related to vehicles, such as issues with garage bills, inadequate repairs, or when buying or selling a car (liability for material defects). Conflicts with authorities regarding matters such as driving licenses or vehicle tax can also be covered. nextsure provides you with comprehensive information on the exact coverage details of the respective policies, so you are optimally protected.
Difference: Legal Protection for Traffic vs. Car Liability Insurance
Die Kfz-Haftpflichtversicherung ist eine Pflichtversicherung und deckt Schäden ab, die Sie anderen Verkehrsteilnehmern mit Ihrem Fahrzeug zufügen – sowohl Personen- als auch Sach- und Vermögensschäden. Sie wehrt zudem unberechtigte Ansprüche gegen Sie ab. Die Verkehrsrechtsschutzversicherung hingegen ist eine freiwillige Zusatzversicherung. Sie hilft Ihnen, Ihre eigenen rechtlichen Interessen im Verkehrsbereich durchzusetzen oder sich gegen Vorwürfe zu verteidigen. Sie übernimmt die Kosten für Ihren Anwalt, das Gericht und eventuelle Gutachter, wenn Sie beispielsweise Schadenersatzansprüche nach einem unverschuldeten Unfall geltend machen wollen, gegen einen Bußgeldbescheid vorgehen oder es Streitigkeiten beim Autokauf gibt. Kurz gesagt: Die Kfz-Haftpflicht schützt Sie vor den Ansprüchen Dritter, der Verkehrsrechtsschutz hilft Ihnen, Ihre eigenen Ansprüche durchzusetzen und Ihre Rechte zu wahren. Beide Versicherungen ergänzen sich ideal für einen lückenlosen Schutz im Straßenverkehr.
Scope: Which vehicles and individuals are protected?
The scope of a traffic legal protection insurance can vary depending on the tariff, but typically you are protected as the policyholder in various roles: as the driver of all vehicles registered and insured in your name, as the driver of other vehicles (e.g. rental cars domestically and often abroad), and as a buyer, owner, renter, or lessee of vehicles. Additionally, your family members (spouse/partner, minor children) are often also insured, both as drivers of the insured vehicles and as pedestrians, cyclists, or users of public transport. It is important to review the exact terms of your contract, especially regarding the co-insured persons and vehicles. Some tariffs offer vehicle-related protection, others offer personal protection. nextsure helps you find the right tariff for your individual situation, so all relevant forms of mobility and individuals are covered.
Cost Factors: What influences the premium of your traffic legal protection insurance?
The premium amount of your traffic legal protection insurance is influenced by several factors. A key aspect is the chosen scope of cover: tariffs with more comprehensive services, such as the coverage of mediation costs or special components for administrative legal protection in traffic matters, tend to be more expensive. The amount of the agreed insurance sum also plays a role; higher coverage amounts lead to higher premiums. Another factor is the deductible: if you opt for a higher deductible in the event of a claim, this will reduce your annual premium. Some insurers also consider the number of insured vehicles or whether it is a single or family tariff. Existing prior claims can also influence the premium or the acceptance of the application. At nextsure, we value transparent pricing and help you find a tariff that offers an optimal price-performance ratio for your individual protection needs.
Car insurance
Optimal protection for your car.
E-Bike Protection
Security for your electric bicycle.
Travel Insurance
Comprehensively protected while travelling.
Waiting Times and Exclusions: What You Need to Consider
Many legal protection insurance policies have waiting periods for certain types of cover. This means that the insurance cover only takes effect after a specified period (often three months) from the start of the contract. This is to prevent an insurance policy being taken out only when a legal dispute is already foreseeable. Typical areas with waiting periods include contract and property law (e.g., disputes over car purchases) or administrative legal protection. For legal protection concerning claims for compensation or criminal legal protection, there are often no or shorter waiting periods, especially if the legal case arises unexpectedly, such as in a traffic accident. It is crucial to know the exact waiting period rules of your policy. Exclusions from cover are also important. Frequently excluded are disputes related to parking offences and deliberate criminal acts, or when it concerns defending claims for compensation (with which motor vehicle liability insurance deals). Disputes with one's own legal protection insurer are also usually excluded. nextsure provides you with transparent information on all relevant conditions.
Traffic Legal Protection Abroad: Safe Travel Coverage
Many modern traffic legal protection insurances also offer coverage for legal disputes abroad, at least within Europe and often in the non-European Mediterranean countries. This overseas protection is particularly valuable as legal disputes abroad can quickly become complicated and expensive due to language barriers and unfamiliar legal systems. The insurance coverage can include costs for a correspondence lawyer abroad, translations of documents, or even a bail bond. When choosing a tariff, pay attention to the exact geographical scope and the amount of coverage for cases abroad. Some tariffs also cover legal disputes related to rental vehicles abroad. Before embarking on a longer journey, it's advisable to check the details of your insurance coverage. nextsure offers tariffs with comprehensive overseas protection, so that you can travel beyond Germany's borders without worries and receive legal support in case of an emergency.
Digital Conclusion and Claim Reporting at nextsure
At nextsure, you benefit from a fully digital process – from comparison to conclusion, right through to the claims reporting for your traffic legal protection insurance. Our mission is to offer you tailored and easy-to-understand insurance solutions. You can conveniently compare various rates online, examine the benefits in detail, and finalize your chosen tariff directly. If you need assistance, our expert consultation is digitally available. In the event of a claim, you can report it simply and easily via our online portal. There, you upload relevant documents and track the processing status. This digital approach saves you time and effort and enables a swift handling of your request. As a digital insurance portal, we focus on SEO-optimized content and a modular up- & cross-selling approach to consistently offer the right extensions for your individual protection. Trust nextsure for modern and efficient insurance coverage.
Am I also covered as a pedestrian or cyclist?
A standard motor legal protection insurance already provides solid basic coverage. However, this can often be customised with meaningful extensions and additional modules to suit your individual needs. A popular module is the extended driver protection, which also applies to operating vehicles not registered to you. For families, an extended family protection plan might be beneficial, covering all family members in various traffic situations. Special modules can also include legal protection for e-bikes, pedelecs, or even car-sharing usage. Some policies offer a special criminal legal protection, which applies even in cases of alleged gross negligence or intentional offences (up to the final conviction for intent). The coverage for the costs of an initial psychological consultation after an accident or protection in disputes concerning car tax or driving licence matters can also be meaningful additions. nextsure helps you identify the right modules and configure your motor legal protection optimally.
