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.

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.

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

5 stars from MoneyView in the ‘Terms and Conditions’ category — five years in a row!

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.

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 not 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