Legal expenses insurance
24/7 assured of legal assistance
How a legal expenses insurance works
If you get into a dispute with someone, you may need legal assistance, but this can be very expensive. Legal expenses insurance means you’re assured of good legal help and advice for a fixed monthly premium. You can choose from three covers.
Choose your cover
Basic
You are insured for conflicts that you find important.
Choose one of these modules as a foundation:
- Traffic
- Consumer and Housing
Extra Choices:
Work and income, Medical and Family, Pension and Social Security, Fiscal and Assets, Divorce mediation
Basic Plus
You are insured for frequently occurring conflicts.
You have 2 fixed modules:
- Traffic
- Consumer and Housing
Extra choices:
Medical and Family, Work and Income, Pension and Social Security, Fiscal and Assets, Divorce mediation
If you choose the Medical and Family module as well as the Work and Income module, the Excellent cover is a more affordable option.
DISCOUNT
Basic cover
You are insured for the most common conflicts.
You have the fixed modules:
- Traffic
- Consumer and Housing
- Medical and Family
- Work and income
Extra choices:
Pension and Social Security, Fiscal and Assets, Divorce mediation
15% discount on all modules in this package for the first year!
How to compile your own legal expenses insurance package
Choose a cover
There are three covers: Basic, Basic Plus, and Excellent. Select the cover that fits you best.
Choose extra modules
Optionally choose additional modules within your package.
Reasons for taking out ABN AMRO legal expenses insurance
We work closely with ARAG, specialists in legal assistance.
- Clients give ARAG 8.3 out of 10 for the way they handle cases
- Expertise from over 500 lawyers and solicitors
- Personal legal advice during a dispute
Modules
Legal expenses insurance modules
What is not covered?
What is not covered?
Conflicts where the interest is less than €150 are not covered. The insurance policy also does not cover conflicts relating to the rental of your home or holiday home. This does not apply if you are renting out a room in your own home with a rental contract of at least one year.
What is not covered?
Conflicts where the interest is less than €150 are not covered. The insurance policy also does not cover conflicts relating to the rental of your home or holiday home. This does not apply if you are renting out a room in your own home with a rental contract of at least one year.
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.
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. The exact commission is stated in the premium calculation. More information about our services: Information sheet on non-life insurance (PDF, 67 KB) .
Package discount
You will receive a package discount of up to 3 to 5% if you have three or more insurance policies with ABN AMRO.
Terms and conditions and Information sheets
See the terms and conditions of ABN AMRO legal expenses insurance (PDF, 671 KB) .
Want to check the most relevant cover information? You can find it in the insurance sheet. It has been drawn up in accordance with European guidelines. So you have a handy overview to help you compare insurance policies.
Legal expenses insurance sheet (in Dutch)
Non-life insurance information sheet
We've made this Information Sheet because we want you to be well-informed about our services. In this document, we will explain what you can expect from us as a provider of non-life insurance and what we expect from you as a policyholder. We will also address our fees and tell you how to contact us if you have any questions or complaints.
Frequently asked questions
I want legal advice in the event of a conflict. What do I need to do?
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 +31 (0)33 - 434 24 70. This number is available on working days between 8.30 am and 5.30 pm. Outside office hours, ARAG can only be reached for urgent emergencies and you will be connected to the ARAG emergency center.
I have legal expenses insurance but my conflict is not insured. What do I do?
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 +31 (0)33 - 434 24 70. This number is available on working days between 8.30 am and 5.30 pm. Outside office hours, ARAG can only be reached for urgent emergencies and you will be connected to the ARAG emergency center.
I do not have legal expenses insurance. Can I still get legal assistance?
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, ARAG puts you in touch with specialists within their network. Call them on +31 (0)33 - 434 24 70. This number is available on working days between 8.30 am and 5.30 pm. Outside office hours, ARAG can only be reached for urgent emergencies and you will be connected to the ARAG emergency center. 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 or how to prevent them (in Dutch), at no extra charge.
Can I choose my own lawyer?
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. Always contact ARAG first if you want to engage a lawyer yourself.
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.