Anyone can find themselves embroiled in a legal dispute, at work, with the neighbours or a contractor, in traffic, or while getting divorced, just to name a few examples. Without legal expenses cover, you could end up paying enormous legal bills in such a situation. These costs are covered, however, when you take out legal expenses insurance.
ABN AMRO’s legal expenses insurance gives you direct access to legal assistance during a dispute.
This assistance is provided through a team of professional legal experts at ARAG. If needed, ARAG will call in the help of a lawyer or mediator, in consultation with you. If you are involved in judicial or administrative proceedings, or if the other party is also entitled to legal assistance through ARAG, you can choose your own lawyer in consultation with ARAG.
ABN AMRO's legal expenses insurance is for personal customers of ABN AMRO residing in the Netherlands. 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.
You decide what to insure. You can select from the following options:
Read more about the cover options.
For full details of what is covered, please read the terms and conditions.
You are not covered for a dispute:
For full details of what is covered, please read the terms and conditions.
No excess applies.
Premium
Calculate your premium for the ABN AMRO legal expenses insurance online.
Commission
ABN AMRO Bank N.V. provides personal customers with non-life insurance products on behalf of ABN AMRO Schadeverzekering N.V. ABN AMRO Bank N.V. receives a fee for this. Read the Non-Life Insurance Information Sheet to find out more about our services.
Package discount
If you take out more than 3 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 21% insurance tax) for collecting the premium, which may be done monthly or annually. If you already have one or more ABN AMRO non-life insurance policies, you will not be charged an administration fee this time.
Policy fee
You are given 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).
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.
Disputes falling outside your cover
If you are insured, you can always turn to the legal expert to ask:
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.
If you need legal assistance but are not legally required to be represented by a lawyer, and if after consulting with ARAG you select your own lawyer to handle your judicial or administrative proceedings, the related costs will be covered up to €6000 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.
The policy will come into effect after the insurer has approved your application. You can choose the start date of the policy, 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
You can read about what we do with your personal data in our privacy statement.
When you take out ABN AMRO legal expenses insurance, you are immediately covered for legal assistance in any future disputes.
You will be given legal advice by one of ARAG’s professional legal experts.
Changing your cover is no problem at all. Take care of everything easily online.
