Legal Protection Insurance
Your rights, well defended in daily life, work and traffic
A legal conflict can arise at any time: on the road, at work, with a landlord, or with an insurer. Our legal protection insurance, offered with our partner ROLAND — Germany's largest specialist focused exclusively on legal protection — advises you and covers the costs of lawyers, courts, and experts, so you can assert your rights without worrying about money.
Benefits of this insurance
ROLAND is Germany's largest specialist focused exclusively on legal protection insurance.
Available for you at any time — digitally and by phone.
Unlimited coverage sum for mediation and court costs in Germany.
Extend your protection with the housing module or the StrafrechtPlus Private package.
Coverage comparison
| Starter | Komfort | Premium | |
|---|---|---|---|
| Coverage sum in Germany | Unlimited | Unlimited | Unlimited |
| Coverage sum worldwide | €400,000 | €400,000 | €1,000,000 |
| Private, employment and traffic modules included | |||
| Free choice of lawyer | |||
| Free initial lawyer consultation | |||
| Damage compensation (e.g. traffic accident) | Up to €1,250/case | Up to €1,250/case | Up to €5,000/case |
| Inheritance and family law | |||
| Low-risk investments (e.g. savings plans) | Up to €100,000 | Up to €100,000 | Up to €100,000 |
Indicative comparison of ROLAND's three tariffs (Starter, Komfort, Premium). Exact conditions per module may vary; contact us for a detailed comparison.
Additional modules and benefits
Traffic legal protection
Covers vehicle-related disputes: accidents, fines, license revocation, vehicle purchase.
Housing and property legal protection (real estate module)
Extends your private legal protection to conflicts as a tenant or owner: rent disputes, disputes with neighbors or the homeowners' association.
Employment legal protection
Disputes with an employer: dismissals, contracts, unpaid wages.
StrafrechtPlus Private
Protects you if you need to defend yourself against an accusation of an intentional crime, such as theft or fraud.
What is covered
Phone legal advice
Call with any legal question and we connect you with a ROLAND partner lawyer who answers your question right on the phone.
Your own costs
Your lawyer's fees, court costs, expert fees and mediation costs.
Opposing party costs
If you lose the dispute, we also cover the costs you must reimburse to the other party, within the agreed terms.
What is not covered
Cases existing before the contract started
Conflicts that arose before the contract start date are not covered; certain waiting periods also apply depending on the area.
Already ongoing proceedings
Retroactive coverage for an already ongoing proceeding is not possible — costs are only covered if the policy existed before the conflict began.
Intentional acts
Claims arising from intentional or fraudulent acts, except under StrafrechtPlus Private when defending against an accusation.
Real claim examples
Trouble with the employer
After three years as an administrative employee, a client is dismissed without notice following a long sick leave and believes the dismissal is unjustified. The insurance covers lawyer and court costs to challenge it.
Disputed traffic accident
A driver has an accident at an intersection when another car takes her right of way; the other party's insurer refuses to pay, claiming she ran a red light. The insurance covers the expert report, lawyer and court proceedings.
Dispute with the landlord
At the end of a lease, the landlord demands €1,800 for alleged damage and unperformed redecoration. The tenant disagrees, and with the housing module the lease is reviewed and a claim is filed.
Frequently asked questions
Can legal protection insurance be taken out retroactively?
No, retroactive coverage for an already ongoing proceeding is not possible. Costs are only covered if the policy was in place before the conflict started, and applicable waiting periods must be observed.
Are children covered?
Yes, if you have a family tariff. This includes biological children, stepchildren, adopted and foster children living with you. Coverage ends when they marry, take up permanent employment, or receive social benefits after training — there is no age limit.
What exactly does the insurance cover?
It covers lawyer and court costs, mediation costs and costs for out-of-court settlements. With ROLAND you enjoy unlimited coverage in Germany across all tariffs plus free phone legal advice.
Is it tax deductible?
Premiums can be deducted for tax purposes to the extent the coverage relates to your professional activity, i.e. the portion included in the employment module.
Do I have free choice of lawyer?
Yes, you can freely choose your lawyer. ROLAND also has a large network of law firms in Germany and can recommend a specialist if you wish.
Want to be legally protected in case of a dispute?
Tell us which areas matter to you (traffic, housing, work) and we will put together the right coverage.
Request free advice