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Legal expenses insurance

Get 25% premium discount

Legal expenses insurance

  • Select your insurance cover
  • Low costs, no excess
  • 24/7 advice from ARAG lawyers

A legal expenses insurance insures you against the costs of legal assistance in the event of a dispute. A dispute can arise unexpectedly and at any time. It could be a disagreement with your landlord, at work or in traffic. Having legal expenses insurance means you are not alone. We are happy to help you. The legal expenses insurance consists of six modules that you can choose between and create your legal expenses insurance policy.

25% discount on your premium

If you take out a new legal expenses insurance before 14 November 2022, you will get a 25% discount on this premium for the first 12 months. How great is that? This discount has already been included in this premium. Read more.

Which modules suit me?

Legal expenses insurance modules

Viewing and modifying:

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Step 1

Log into Internet Banking and click through to your legal expenses insurance

Step 2

Click 'Change insurance' and you will be taken to the ABN AMRO Verzekeringen environment. 

Step 3

Click the legal expenses insurance policy again and make the changes. Need more explanation? Read more here

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Step 1

Log into Internet Banking and click through to your legal expenses insurance

pr-tools-sliders

Step 2

Click 'Change insurance' and you will be taken to the ABN AMRO Verzekeringen environment. 

icoon

Step 3

Click the legal expenses insurance policy again and make the changes. Need more explanation? Read more here

No cover in the event of an ongoing or foreseen conflict

Unfortunately, legal expenses insurance does not insure you against legal conflicts that arose before the insurance took effect. For example, you are not covered if colleagues told you about a scheduled reorganisation before you took out the insurance policy. You are also not covered if you only take out an insurance after you have been involved in a traffic accident or you get into an argument after you are already divorced. An ongoing or foreseen conflict is therefore not covered by the insurance policy.

Your conflict not insured but still require legal advice?

It can happen. Your conflict may not be covered by your selected modules, or your conflict might have arisen before the effective date of the insurance policy, or you may not have legal expenses insurance. If you would still like legal assistance, you can call ARAG for advice during office hours. ARAG will be happy to help you. Read about the options under 'Frequently asked questions' on this page.

More information and terms and conditions

Who's it for?

ABN AMRO's legal expenses insurance is for all ABN AMRO private clients who live in the Netherlands. You need an ABN AMRO bank account in order to take out the insurance policy. The premium is debited from that bank account.

Your partner and children are also insured through ABN AMRO's legal expenses insurance. This also applies to children who study full-time and living away from home. If you live alone, you will pay a lower premium.

When does the insurance take effect?

You select the effective date of your insurance policy. The insurance policy takes effect after the insurer has accepted your application. From that moment on, you can use the legal expenses insurance in the event of a conflict or when a conflict is imminent. Ongoing or foreseen conflicts are not covered.

You can still cancel the insurance policy within 14 days after taking it out. Return the policy, freepost, to:

ABN AMRO Verzekeringen
Antwoordnummer 9000
8000 VB Zwolle

Costs

Premium

The premium of your legal expenses insurance depends on a number of factors, including your family situation. Calculate your premium online in a few simple steps.

Arrangement fees

ABN AMRO Bank N.V. mediates for private clients in non-life insurance products of ABN AMRO Schadeverzekering N.V. We receive a fee of 20% of the premium for providing this mediation. More information about our services: Information sheet on non-life insurance .

Package discount

You will receive a package discount of up to 5% if you have three or more insurance policies with ABN AMRO.

Administrative costs

If this is your first non-life insurance policy with ABN AMRO, you will pay €0.69 (including insurance tax) for debiting the premium. We can debit the premium either monthly or annually. If you already have an ABN AMRO non-life insurance policy, you will not pay the administration fee again.

Policy costs

You will receive one policy per insurance type. You do not need to pay any policy fees for this insurance.

More information and terms and conditions

Who's it for?

ABN AMRO's legal expenses insurance is for all ABN AMRO private clients who live in the Netherlands. You need an ABN AMRO bank account in order to take out the insurance policy. The premium is debited from that bank account.

Your partner and children are also insured through ABN AMRO's legal expenses insurance. This also applies to children who study full-time and living away from home. If you live alone, you will pay a lower premium.

When does the insurance take effect?

You select the effective date of your insurance policy. The insurance policy takes effect after the insurer has accepted your application. From that moment on, you can use the legal expenses insurance in the event of a conflict or when a conflict is imminent. Ongoing or foreseen conflicts are not covered.

You can still cancel the insurance policy within 14 days after taking it out. Return the policy, freepost, to:

ABN AMRO Verzekeringen
Antwoordnummer 9000
8000 VB Zwolle

Costs

Premium

The premium of your legal expenses insurance depends on a number of factors, including your family situation. Calculate your premium online in a few simple steps.

Arrangement fees

ABN AMRO Bank N.V. mediates for private clients in non-life insurance products of ABN AMRO Schadeverzekering N.V. We receive a fee of 20% of the premium for providing this mediation. More information about our services: Information sheet on non-life insurance .

Package discount

You will receive a package discount of up to 5% if you have three or more insurance policies with ABN AMRO.

Administrative costs

If this is your first non-life insurance policy with ABN AMRO, you will pay €0.69 (including insurance tax) for debiting the premium. We can debit the premium either monthly or annually. If you already have an ABN AMRO non-life insurance policy, you will not pay the administration fee again.

Policy costs

You will receive one policy per insurance type. You do not need to pay any policy fees for this insurance.

Frequently asked questions

If you have legal expenses insurance and you think you may be involved in a legal conflict or you need legal assistance, call the ARAG Service Centre on 033 - 43 42 470. This number is available on working days between 8.30 am and 4.40 pm. Outside of office hours, you will be forwarded to ARAG's emergency centre.

There may be a conflict that is not covered by your selected modules, or that arose before the effective date of the insurance. You can still call ARAG for advice during office hours. ARAG will be happy to help you. The ARAG lawyer or a good legal service provider within ARAG's network will then ensure that you get the correct help at a reduced rate.

ARAG's lawyers will also be happy to help you in the event of an imminent conflict. If, for example, you have a question about your legal position in a specific case, you can call the ARAG's lawyers for advice over the telephone. Call the ARAG Service Centre on 033 - 434 24 70.

Even if you have not (yet) taken out legal expenses insurance, you can contact the ARAG's lawyers for legal assistance at a fixed price. This applies to the Work and Income and Divorce mediation modules.

Disagreements in the workplace, criticism of your performance, sickness absence or impending dismissal? ARAG's employment lawyers are happy to help you. ARAG's divorce specialists will help you apply for your divorce, perform a maintenance check or draw up a parenting plan. Need legal help? For more information, go to legal assistance on demand (in Dutch).

Got a different legal problem? For legal specialisms, we put you in touch with specialists within our network. Call us on 033 - 434 24 70. The ARAG website (in Dutch) contains several useful online rights checks relating to work and income, holiday travel/vouchers and consumer sales. By answering a few simple questions, you will receive information on your legal position and tips on what you can do. You can access useful sample letters relating to common conflicts here (in Dutch), at no extra charge.

If you wish to choose your own lawyer, please contact ARAG first. The legal expenses insurance is a benefit in kind policy. This means that the insurer provides legal assistance. For that reason, you cannot hire a lawyer without consulting ARAG and later forward the bills in order to receive compensation.

If you choose your own lawyer in legal or administrative proceedings after you have consulted with ARAG and if it is a legal requirement to be represented by a lawyer, all costs will be covered up to €6,000 per event.

You are obliged to use a lawyer or legal advisor

If you are involved in a proceedings in which you are legally obliged to use a lawyer, you should consult with ARAG first before choosing a lawyer. ARAG will then contact the lawyer or legal advisor. Your costs will be covered up to a maximum of €50,000.

You are not obliged to use a lawyer

If you want legal assistance and are you not legally obliged to use a lawyer or legal advisor in the proceedings, you can choose the lawyer or attorney yourself or use a lawyer or legal advisor selected by ARAG. If you use a lawyer or legal advisor selected by ARAG, the costs are covered up to €50,000.

Coronavirus and your rights

The government has taken measures to limit the spread of the coronavirus (COVID-19). What are your rights in the event of measures taken due to the coronavirus? We have gathered important questions about the coronavirus and your rights.

Check your insurance on a regular basis

If you personal situation changes, it might be time to take an insurance check. That way, you can avoid being double insured or even not having enough cover.

Combining modules and other insurance policies

You may receive double cover from the modules in the legal expenses insurance policy and other insurance policies. We explain exactly how this works and which things you need to bear in mind.