Start with the modules you actually need: tenancy, employment, and traffic. Add criminal defense or internet & cyber later if required. This keeps premiums lean while covering the biggest risks.

A small deductible (e.g., €150) reduces premiums without losing real protection. Watch for waiting periods (often 3 months) – some tariffs waive them for traffic or when switching providers.

Most policies include a telephone legal hotline. Use it early to understand your position before contacting landlord or HR. This prevents mistakes and documents the case from the beginning.

For tenancy, traffic, or work issues, keep photos, timestamps, and witness names. Save all landlord and HR emails. Good documentation speeds approvals and strengthens your case.

Ask for English-speaking lawyers and check if your tariff includes partner-lawyer networks with faster approvals. At NEOdirect, we help you navigate claims in English.

Legal insurance covers the costs of legal disputes – including lawyer fees, court costs, and sometimes mediation. You choose areas of coverage like rental law, labor law, or traffic law.

Yes – if you include tenant legal protection (Mietrecht), it covers issues like unjustified rent increases, deposit disputes, mold, or service charge conflicts.

No. Insurance only covers future disputes. You must have the policy before the issue arises – otherwise, no coverage applies.

Usually around 3 months from the start of the contract. Some providers offer immediate coverage for specific areas like traffic or advice-only services.

Depending on coverage and provider:
– Basic packages: ~€15–20/month
– Full protection (private, job, landlord, traffic): ~€25–35/month

It covers both:
– Legal advice by a lawyer
– Legal representation in court
– In some cases: mediation or online consultation tools

Yes, most insurers let you choose freely – but some have preferred partner lawyers who can be faster or easier to access.

– Individual coverage protects one person
– Family coverage includes spouse/partner and dependent children
Ideal for expat families sharing one household.

Some insurers support English-speaking service. At NEOdirect, we recommend insurers with multilingual legal support for expats.

– Tenancy law (rental issues)
– Employment law (job contracts, termination)
– Private disputes (online shopping, neighbor issues)
– Traffic law (accidents, speeding tickets)

Yes. For Indian and other expats, legal insurance avoids high costs (often €1,000–€5,000+) and ensures access to English-speaking lawyers in tenancy, job, and traffic disputes.

Many modern tariffs include internet and consumer protection. This covers disputes with online shops, fraud, or digital contracts – an important feature for expats using international e-commerce.

Yes. There are special business legal protection policies for freelancers and small business owners, covering contracts, client disputes, and tax law. Private and business modules can often be combined.

Legal insurance usually does not cover pre-existing disputes, intentional acts, or family law without add-ons. Always check the policy for exclusions like construction law or speculative investments.

Compare tariffs from multiple providers. At NEOdirect, we check 60+ rates, explain terms in English, and recommend the best price-performance options for expats.