Legal expenses insurance

Choose the cover you need
Low costs and no excess
24/7 advice from ARAG legal experts

24/7 legal assistance guaranteed

Let’s say you want to take legal action, because you are involved in a conflict at work or with your neighbours, for instance, or in a traffic situation. That can get very expensive. With legal expenses insurance, you’re not alone and you save a large amount in costs, since the annual fee for a legal expenses insurance policy is almost the same as the hourly rate for legal assistance.

Coronavirus and compensation for legal assistance

Compensation for legal assistance is generally only available for conflicts arising as a result of unforeseen events. Conflicts arising as a result of the corona crisis are no longer considered unforeseen. For this reason, you might not receive compensation in the event of such conflicts. For each conflict reported, ARAG will determine whether compensation is available for legal assistance.

Rated the best by The Consumentenbond

We’re quite proud that our legal expenses insurance policy was rated the best. One of the reasons we came out on top is that we have a flexible policy that you can put together yourself, so you only insure what you really need.

Read on

Choose your own cover

No extra charges, no small print. ABN AMRO lets you choose yourself what you want to be insured for. This helps us keep costs low and the quality of the legal assistance high. Read more about the cover below. Or calculate your premium.

Traffic

More information

Consumers and living

More information

Medical, family and divorce mediation

More information

Work and income

More information

Pension and social security

More information

Fiscal and assets

More information

Flight Claim: if your flight is delayed or cancelled

If your flight has been delayed or cancelled, use Flight Claim, which is included in your legal expenses policy as standard. With Flight Claim, an ARAG lawyer will check whether you are entitled to compensation, leaving you to enjoy your holiday. If you have the ‘Consumer and Home’ module, ARAG Flight Claim will take on your case free of charge and go to court on your behalf if necessary.

Make a claim for a delay

More information

Who it is for

ABN AMRO’s legal expenses insurance is for personal customers of ABN AMRO residing in the Netherlands. If you would like to take out this insurance, you will need an ABN AMRO current account. This is the account you will use to pay the insurance premium.

When you take out ABN AMRO legal expenses insurance, your spouse or partner and children are also covered, even children who are studying away from home. And if you are single, your premium will be lower.

Maximum compensation for your claims

General:

Compensation for external costs is capped at a maximum of €50,000. External costs are costs that are not incurred by ARAG.
ARAG will advance a maximum of €52,000 if a Dutch or foreign government body asks for a guarantee.
If you choose your own lawyer in judicial or administrative proceedings (known as the right to choose your own lawyer), compensation will be capped at a maximum of €6000.
If you are involved in legal proceedings where you are not legally required to be represented by a lawyer and you choose your own external legal assistance provider, compensation will be capped at a maximum of €6000. If ARAG handles the case itself, no maximum compensation amount applies.

Traffic:
Compensation for external costs in traffic cases in the European Union, Switzerland and Norway is capped at a maximum of €50,000. Please note: a maximum of €10,000 applies to cases outside these areas.

Work and income:
Compensation for external costs in employment law disputes where you are acting in the capacity of director under the articles of association is capped at a maximum of €15,000.

Health, family and divorce mediation:
Compensation for the costs of a mediator is capped at €3000.

Taxes and assets:
Compensation for costs other than legal specialist fees is capped at maximum of €6000. This applies to conflicts within the Netherlands with an authorised asset manager in cases of asset management or a related contract.

Check your policy for a complete overview of the maximum compensation amounts.

What is not insured

You are not covered for a dispute:

which you could anticipate arising when you took out the insurance;
which arose before the insurance was taken out;
where the claim involves an amount less than €150. These terms only apply to the ‘Consumer and Home’ module and do not apply to legal disputes involving bodily injury,
involving you in the capacity of landlord of your property. Please note: this does not apply when renting out a room in your own home for private use in the Netherlands and with a tenancy agreement of at least 1 year.

For full details of what is covered, please read the terms and conditions.

Costs

Premium

Calculate your premium for the ABN AMRO legal expenses insurance online. It is fast and easy.

Commission

ABN AMRO Bank N.V. provides personal customers with non-life insurance products on behalf of ABN AMRO Schadeverzekering N.V. We receive a fee of 20% of the premium for this. You can read more about our services on our non-life insurance information sheet .

Package discount

If you take out three or more insurance policies with ABN AMRO, you will qualify for a 5% package discount.

Administration fee

If this is your first ABN AMRO non-life insurance policy, you will be charged an administration fee of €0.69 (including insurance tax) for collecting the premium, which may be done monthly or annually. If you already have another non-life insurance policy with ABN AMRO, you will not be charged an administration fee this time.

Policy fee

You will receive one policy for all the different types of insurance and pay a policy fee once only. The policy fee is €4.39 (including insurance tax).

Insurance tax

You will be charged 21% insurance tax on the premium and other costs.

Legal advice during a dispute

Call ARAG for legal advice

If you think you may be involved in a legal dispute, or if you need help with a legal matter, you can call ARAG’s service centre on +31 (0)33 434 2470. Lines are open on weekdays from 8.30am to 4.30pm. Outside office hours, your call will be put through to the ARAG emergency service.

Dispute falling outside your cover? You can still get legal advice with ARAG Legal Service

Whether you have the relevant cover or not, if you are insured with us, you can always turn to a legal expert to ask:

about mediation between you and a person or organisation (one-time mediation costs);
for a referral to an external expert (at a reduced rate).

If you plan to choose your own lawyer, consult with ARAG first. The legal expenses insurance is an in-kind policy, meaning that the insurer arranges for the legal assistance. You cannot, therefore, choose any lawyer you like without first consulting with ARAG and then submit the bills for reimbursement.

Choosing your own lawyer

If, following consultation with ARAG, you choose your own lawyer in judicial or administrative proceedings, and you are not required by law to be represented by a lawyer, you are covered for up to €6,000 per event

When a lawyer is required by law

If you are involved in legal proceedings where you are legally required to be represented by a lawyer, talk to ARAG first before selecting a lawyer on your own. ARAG will contact the lawyer and pay the legal bills up to €50,000.

When a lawyer is not required by law

If you are involved in legal proceedings where you are not legally required to be represented by a lawyer, you can choose your own lawyer or use a lawyer appointed by ARAG.

If you use a lawyer appointed by ARAG, your legal bills will be paid up to €50,000.

When will the policy start

You can choose your own start date. The policy will take effect after the insurer has approved your request, and from that date you can use your ABN AMRO legal expenses insurance if you are involved in a dispute or expect one to arise. This policy does not cover any dispute you were already involved in or could anticipate arising at the time you took out the insurance.

You can cancel your policy free of charge within 14 days of taking it out. Simply send the policy to the following address (no stamp required):

ABN AMRO Verzekeringen

Antwoordnummer 9000

8000 VB Zwolle

More information

Who it is for

Maximum compensation for your claims

General:

Compensation for external costs is capped at a maximum of €50,000. External costs are costs that are not incurred by ARAG.
ARAG will advance a maximum of €52,000 if a Dutch or foreign government body asks for a guarantee.
If you choose your own lawyer in judicial or administrative proceedings (known as the right to choose your own lawyer), compensation will be capped at a maximum of €6000.
If you are involved in legal proceedings where you are not legally required to be represented by a lawyer and you choose your own external legal assistance provider, compensation will be capped at a maximum of €6000. If ARAG handles the case itself, no maximum compensation amount applies.

Work and income:
Compensation for external costs in employment law disputes where you are acting in the capacity of director under the articles of association is capped at a maximum of €15,000.

Health, family and divorce mediation:
Compensation for the costs of a mediator is capped at €3000.

Check your policy for a complete overview of the maximum compensation amounts.

What is not insured

You are not covered for a dispute:

which you could anticipate arising when you took out the insurance;
which arose before the insurance was taken out;
where the claim involves an amount less than €150. These terms only apply to the ‘Consumer and Home’ module and do not apply to legal disputes involving bodily injury,
involving you in the capacity of landlord of your property. Please note: this does not apply when renting out a room in your own home for private use in the Netherlands and with a tenancy agreement of at least 1 year.

For full details of what is covered, please read the terms and conditions.

Costs

Premium

Calculate your premium for the ABN AMRO legal expenses insurance online. It is fast and easy.

Commission

Package discount

If you take out three or more insurance policies with ABN AMRO, you will qualify for a 5% package discount.

Administration fee

Policy fee

You will receive one policy for all the different types of insurance and pay a policy fee once only. The policy fee is €4.39 (including insurance tax).

Insurance tax

You will be charged 21% insurance tax on the premium and other costs.

Legal advice during a dispute

Call ARAG for legal advice

Dispute falling outside your cover? You can still get legal advice with ARAG Legal Service

Whether you have the relevant cover or not, if you are insured with us, you can always turn to a legal expert to ask:

about mediation between you and a person or organisation (one-time mediation costs);
for a referral to an external expert (at a reduced rate).

Choosing your own lawyer

When a lawyer is required by law

When a lawyer is not required by law

If you are involved in legal proceedings where you are not legally required to be represented by a lawyer, you can choose your own lawyer or use a lawyer appointed by ARAG.

If you use a lawyer appointed by ARAG, your legal bills will be paid up to €50,000.

When will the policy start

You can cancel your policy free of charge within 14 days of taking it out. Simply send the policy to the following address (no stamp required):

ABN AMRO Verzekeringen

Antwoordnummer 9000

8000 VB Zwolle

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Legal expenses insurance