ADAC
View insurer ↗from €21.21 / month
- Deductible options
- €0 / €150 / €250
- Contract term
- 12 months
- Cancellation notice
- 1 month
Legal expenses insurance
Compare policies from 7 leading insurers in Germany. All information is based on insurers’ own terms and conditions.
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7 matching insurers
Allianz
View insurer ↗from €15.72 / month
- Deductible options
- €0 / €150 / €300 / €500 / €1,000
- Contract term
- 12 months
- Cancellation notice
- 3 months
ARAG
View insurer ↗from €14.73 / month
- Deductible options
- Not stated
- Contract term
- Not stated
- Cancellation notice
- 3 months
Price on request
- Deductible options
- €0 / €100 / €200 / €300
- Contract term
- 12 months
- Cancellation notice
- 3 months
DEVK
View insurer ↗from €26.73 / month
- Deductible options
- €150 / €250
- Contract term
- Not stated
- Cancellation notice
- 3 months
ERGO
View insurer ↗from €26.34 / month
- Deductible options
- €150 / €250
- Contract term
- 12 months
- Cancellation notice
- 3 months
HUK-COBURG
View insurer ↗from €214.11 / year
- Deductible options
- €150 / €250
- Contract term
- 12 months
- Cancellation notice
- 1 month
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Every tier of every insurer, answered field by field from the insurer's own terms.
| Policy feature | ADAC2 packages | Allianz4 packages | ARAG3 packages | AXA2 packages | DEVK2 packages | ERGO2 packages | HUK-COBURG1 package | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ADAC Rechtsschutz Exklusivfrom€21.21/ month | ADAC Rechtsschutz PremiumPrice on request | Basisfrom€15.72/ month | Smartfrom€20.67/ month | Komfortfrom€25.80/ month | Premiumfrom€44.57/ month | ARAG Aktiv-Rechtsschutz Kompaktfrom€14.73/ month | ARAG Aktiv-Rechtsschutz Komfortfrom€16.54/ month | ARAG Aktiv-Rechtsschutz Premiumfrom€20.44/ month | Top-Rechtsschutz KomfortPrice on request | Top-Rechtsschutz PremiumPrice on request | Komfort-Schutz / Komfort cleverfrom€26.73/ month | Premium-Schutz / Premium cleverPrice on request | ERGO Rechtsschutz Smartfrom€26.34/ month | ERGO Rechtsschutz BestPrice on request | HUK-COBURG Privat-, Berufs- und Verkehrs-Rechtsschutzversicherung (ARB 2019)from€214.11/ year | |
| Price | from €21.21 / month | Price on request | from €15.72 / monthInsurer's price example: Rechtsschutzversicherung (Basis Tarif), Privat- und Verkehrsrechtsschutz mit erweiterter telefonischer Beratung, Alter 20 Jahre, Single ohne Kind, keine Vorschäden, Wohnort in PLZ 09548, Selbstbeteiligung 150 €, Vertragslaufzeit ein Jahr bei jährlicher Zahlungsweise. | from €20.67 / monthInsurer's price example: Rechtsschutzversicherung (Basis Tarif), Privat- und Verkehrsrechtsschutz mit erweiterter telefonischer Beratung, Alter 20 Jahre, Single ohne Kind, keine Vorschäden, Wohnort in PLZ 09548, Selbstbeteiligung 150 €, Vertragslaufzeit ein Jahr bei jährlicher Zahlungsweise. | from €25.80 / monthInsurer's price example: Rechtsschutzversicherung (Basis Tarif), Privat- und Verkehrsrechtsschutz mit erweiterter telefonischer Beratung, Alter 20 Jahre, Single ohne Kind, keine Vorschäden, Wohnort in PLZ 09548, Selbstbeteiligung 150 €, Vertragslaufzeit ein Jahr bei jährlicher Zahlungsweise. | from €44.57 / monthInsurer's price example: Rechtsschutzversicherung (Basis Tarif), Privat- und Verkehrsrechtsschutz mit erweiterter telefonischer Beratung, Alter 20 Jahre, Single ohne Kind, keine Vorschäden, Wohnort in PLZ 09548, Selbstbeteiligung 150 €, Vertragslaufzeit ein Jahr bei jährlicher Zahlungsweise. | from €14.73 / monthInsurer's price example: Preisbeispiel für einen 58-jährigen Beamten im Tarif Kompakt mit dem Baustein Privat, 250 € Selbstbeteiligung, Vertragslaufzeit 5 Jahre und PLZ 24143 | from €16.54 / monthInsurer's price example: Preisbeispiel für einen 58-jährigen Beamten im Tarif Komfort mit dem Baustein Privat, 250 € Selbstbeteiligung, Vertragslaufzeit 5 Jahre und PLZ 24143 | from €20.44 / monthInsurer's price example: Preisbeispiel für einen 58-jährigen Beamten im Tarif Premium mit dem Baustein Privat, 250 € Selbstbeteiligung, Vertragslaufzeit 5 Jahre und PLZ 24143 | Price on request | Price on request | from €26.73 / monthInsurer's price example: Tarif: Komfort clever; Tarifgruppe: B; Selbstbeteiligung: 150 €; Versicherungsbeginn: 26.09.2026; Absicherung umfasst Privat-, Wohn-, Berufs- und Verkehrsrechtsschutz für nicht selbstständige Singles. | Price on request | from €26.34 / monthInsurer's price example: Die Beiträge brutto (inkl. Versicherungssteuer) bei 3 Jahren Laufzeit und monatlicher Zahlungsweise; Privat, Beruf, Wohnen, Verkehr; Selbstbeteiligung 250 € | Price on request | from €214.11 / yearInsurer's price example: Beitragsbeispiel: Angestellter im nicht öffentlichen Dienst, 55 Jahre alt. Familie mit Kindern, PLZ 99423 Weimar. Einstiegs-Selbstbeteiligung 300 €. Kein Vorschaden in den letzten drei Jahren. Jährliche Zahlungsweise per Lastschrift. |
| Standard deductible (Selbstbeteiligung) | Set per policyPage 42 | Set per policyPage 42 | Set per policyPage 42 | |||||||||||||
| Minimum / standard contract term | 12 monthsPage 18 | 12 monthsPage 18 | 12 monthsSource | 12 monthsSource | 12 monthsSource | 12 monthsSource | Set per policyPage 27 | Set per policyPage 27 | Set per policyPage 27 | 12 monthsSource | 12 monthsSource | Not stated | Not stated | 12 monthsPage 11 | 12 monthsPage 11 | 12 monthsPage 12 |
| Ordinary cancellation notice | 1 monthPage 18 | 1 monthPage 18 | 3 monthsPage 15 | 3 monthsPage 15 | 3 monthsPage 15 | 3 monthsPage 15 | 3 monthsPage 47 | 3 monthsPage 47 | 3 monthsPage 47 | 3 monthsSource | 3 monthsSource | 3 monthsPage 60 | 3 monthsPage 60 | 3 monthsPage 11 | 3 monthsPage 11 | 1 monthPage 12 |
| Deductible reduction after claim-free years | Set per policyPage 17 | Set per policyPage 17 | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | €100 per yearPage 5 | €100 per yearPage 5 | Not stated | Not stated | IncludedOnly applies if the agreed deductible is not percentage-based and does not exceed 500 EUR per case; deductible is waived entirely after 5 claim-free years and halved after 3 claim-free years.Page 9 | IncludedOnly applies if the agreed deductible is not percentage-based and does not exceed 500 EUR per case; deductible is waived entirely after 5 claim-free years and halved after 3 claim-free years.Page 9 | IncludedPage 13 |
| No deductible for first/phone consultation or mediation | IncludedPage 17 | IncludedPage 17 | Not includedPage 8 | IncludedPage 43 | IncludedPage 43 | IncludedSource | IncludedSource | IncludedSource | IncludedSource | IncludedPage 9 | IncludedPage 9 | IncludedPage 10 | ||||
| Switching / difference cover (Differenzdeckung) | IncludedPage 15 | IncludedPage 15 | IncludedPage 3 | IncludedPage 3 | IncludedPage 3 | IncludedPage 3 | Not stated | Not stated | Not includedPage 27 | IncludedApplies from the day after application with no waiting period, limited to life areas (Lebensbereiche) also covered under the prior policy.Page 27 | ||||||
| Sum insured – Europe / core territory | UnlimitedPage 16 | UnlimitedPage 16 | €1,000,000Source | €3,000,000Source | €5,000,000Source | UnlimitedSource | UnlimitedPage 5 | UnlimitedPage 5 | UnlimitedPage 5 | Not stated | UnlimitedPage 4 | UnlimitedSource | UnlimitedSource | €2,000,000Page 5 | UnlimitedPage 5 | €5,000,000 per caseSource |
| Sum insured – outside core territory | €300,000Page 17 | €300,000Page 17 | €100,000Source | €300,000Source | €500,000Source | €1,000,000Source | €350,000Page 5 | UnlimitedPage 5 | UnlimitedPage 5 | €500,000 per casePage 5 | €500,000 per casePage 5 | €500,000Source | €500,000Source | €100,000Page 9 | €300,000Page 21 | €300,000Outside the core territory; covers only the foreign lawyer's fee up to three times the RVG amount; requires a stay of up to 6 months (24 months with Rechtsschutz PLUS) or an internet contract, and is not available if cover is limited to German courts.Page 11 |
| Criminal bail (Strafkaution) – core territory | €300,000Page 17 | €300,000Page 17 | Set per policyPage 5 | Set per policyPage 5 | Set per policyPage 5 | Set per policyPage 5 | €300,000Page 5 | UnlimitedPage 5 | UnlimitedPage 5 | Not stated | Not stated | €2,200,000Source | €2,200,000Source | €200,000Page 5 | UnlimitedPage 5 | Not stated |
| Criminal bail (Strafkaution) – outside core territory | Not stated | Not stated | Set per policyPage 5 | Set per policyPage 5 | Set per policyPage 5 | Set per policyPage 5 | €300,000Page 6 | €500,000Page 6 | €1,000,000Page 6 | Not stated | Not stated | Not stated | Not stated | €100,000Page 5 | €200,000Page 21 | Not stated |
| Max. covered stay outside core territory | 6 monthsPage 17 | 12 monthsPage 17 | 12 monthsPage 5 | 12 monthsPage 5 | 12 monthsPage 5 | 12 monthsSource | 12 monthsSource | 12 monthsPage 60 | 12 monthsPage 60 | 12 monthsPage 5 | 24 monthsPage 21 | 6 monthsPage 11 | ||||
| Mediation limit per case | Set per policy€1,000 per caseApplies if the insured freely selects the mediator; if ADAC names the mediator, full cost is covered without a capPage 16 | Set per policy€1,000 per caseApplies if the insured freely selects the mediator; if ADAC names the mediator, full cost is covered without a capPage 16 | €2,000 per casePage 4 | €2,000 per casePage 4 | €2,000 per casePage 4 | €2,000 per casePage 4 | €3,000 per casePage 45 | €3,000 per casePage 45 | €3,000 per casePage 45 | €10,000 per casePage 3 | Not stated | Not stated | Not stated | €2,000 per casePage 8 | €2,000 per casePage 8 | UnlimitedUnlimited only if HUK-COBURG proposed the mediator; if the parties already agreed on their own mediator, cover is capped at the fees of a first-instance court action.Page 7 |
| Mediation limit per year | Not stated | Not stated | €4,000 per yearPage 4 | €4,000 per yearPage 4 | €4,000 per yearPage 4 | €4,000 per yearPage 4 | €6,000 per yearPage 45 | €6,000 per yearPage 45 | €6,000 per yearPage 45 | Not stated | Not stated | Not stated | Not stated | €4,000 per yearPage 8 | €4,000 per yearPage 8 | Not stated |
| Own lawyer, court and expert costs | IncludedPage 17 | IncludedPage 17 | IncludedPage 4 | IncludedPage 4 | IncludedPage 4 | IncludedPage 4 | IncludedPage 41 | IncludedPage 41 | IncludedPage 41 | IncludedPage 3 | IncludedPage 3 | IncludedPage 50 | IncludedPage 50 | IncludedPage 8 | IncludedPage 8 | IncludedPage 7 |
| Opposing party costs (if legally owed) | IncludedPage 17 | IncludedPage 17 | IncludedPage 5 | IncludedPage 5 | IncludedPage 5 | IncludedPage 5 | IncludedPage 42 | IncludedPage 42 | IncludedPage 42 | IncludedPage 3 | IncludedPage 3 | IncludedPage 51 | IncludedPage 51 | IncludedOnly when the policyholder is obliged to reimburse opposing party costs by court order.Page 9 | IncludedOnly when the policyholder is obliged to reimburse opposing party costs by court order.Page 9 | IncludedPage 8 |
| Area: Private (Privat) | IncludedPage 1 | IncludedPage 1 | IncludedPage 1 | IncludedPage 1 | IncludedPage 65 | IncludedPage 65 | IncludedPage 65 | IncludedPage 5 | IncludedPage 5 | IncludedSource | IncludedSource | IncludedPage 19 | IncludedPage 19 | IncludedPage 4 | ||
| Area: Work / employment law (Beruf) | Not stated | IncludedSource | IncludedSource | IncludedSource | IncludedPage 65 | IncludedPage 65 | IncludedPage 65 | IncludedPage 5 | IncludedPage 5 | Set per policyIncluded when the Berufsbereich module is selected (e.g. 'Privat- und Berufs-Rechtsschutz' or 'Privat-, Berufs- und Verkehrs-Rechtsschutz für Nichtselbstständige').Source | Set per policyIncluded when the Berufsbereich module is selected (e.g. 'Privat- und Berufs-Rechtsschutz' or 'Privat-, Berufs- und Verkehrs-Rechtsschutz für Nichtselbstständige').Source | |||||
| Area: Home (Wohnen) – tenant/owner-occupier | Not stated | Not stated | IncludedSource | Not stated | IncludedOwner, tenant or user of all self-occupied residential units in Germany, plus one temporarily occupied unit abroad.Page 65 | IncludedOwner, tenant or user of all self-occupied residential units in Germany, plus one unit abroad, plus letting of an accessory unit (Einliegerwohnung) in own home.Page 71 | Set per policyHousing (Wohnen) is marketed as part of the bundled 'Privat inkl. Wohnen + Beruf + Verkehr' package; not independently confirmed as a separate selectable heading in the 50080 table of contents extracted here.Source | Set per policyHousing (Wohnen) is marketed as part of the bundled 'Privat inkl. Wohnen + Beruf + Verkehr' package; not independently confirmed as a separate selectable heading in the 50080 table of contents extracted here.Source | ||||||||
| Area: Traffic (Verkehr) – motor vehicles | IncludedSource | IncludedSource | IncludedSource | IncludedSource | IncludedSource | IncludedSource | IncludedPage 5 | IncludedPage 5 | Set per policySold either as the stand-alone 'Verkehrs-Rechtsschutz' module or bundled into the 'Privat-, Berufs- und Verkehrs-Rechtsschutz' combination; a 'Privat inkl. Wohnen + Beruf (ohne Verkehr)' variant without it is also sold.Source | Set per policySold either as the stand-alone 'Verkehrs-Rechtsschutz' module or bundled into the 'Privat-, Berufs- und Verkehrs-Rechtsschutz' combination; a 'Privat inkl. Wohnen + Beruf (ohne Verkehr)' variant without it is also sold.Source | Add-onModule: Lebensbereich VerkehrCan be purchased on its own or combined with other life areas.Page 20 | Add-onModule: Lebensbereich VerkehrCan be purchased on its own or combined with other life areas.Page 20 | IncludedPage 4 | |||
| Extended / special criminal defence (e.g. StrafrechtPlus) | Not includedPage 12 | IncludedModule: ADAC Rechtsschutz PremiumCovers intentional-only minor offences (vorsätzlich begehbares Vergehen) in private, employed and voluntary life, unless finally convictedPage 12 | Not stated | Not stated | Not includedPage 5 | IncludedModule: Spezial-Straf-RechtsschutzCovers Vergehen (not Verbrechen) including those alleged to be intentional; cost must be repaid if the policyholder is finally convicted of intentional conduct.Page 22 | Add-onModule: Rechtsschutz PLUSCovers defence against a solely-intentional Vergehen (not a Verbrechen); cover is forfeited retroactively on a final conviction for intent.Page 7 | |||||||||
| Traffic disputes as pedestrian / passenger / cyclist (non-owner) | Not stated | Not stated | IncludedPage 1 | IncludedPage 1 | IncludedPage 1 | IncludedPage 1 | IncludedPage 65 | IncludedPage 65 | IncludedPage 65 | IncludedSource | IncludedSource | Not stated | Not stated | IncludedPage 20 | IncludedPage 20 | IncludedPage 4 |
| Contract and property law | IncludedFull scope requires Privat baustein; within Verkehr alone, limited to contractual/property rights in insured vehiclesPage 11 | IncludedFull scope requires Privat baustein; within Verkehr alone, limited to contractual/property rights in insured vehiclesPage 11 | IncludedPage 2 | IncludedPage 2 | IncludedPage 2 | IncludedPage 2 | IncludedPage 66 | IncludedPage 66 | IncludedPage 66 | IncludedSource | IncludedSource | Not stated | Not stated | IncludedPage 4 | IncludedPage 4 | IncludedPage 5 |
| Claims for damages (Schadenersatz) | IncludedPage 11 | IncludedPage 11 | IncludedPage 2 | IncludedPage 2 | IncludedPage 2 | IncludedPage 2 | IncludedPage 66 | IncludedPage 66 | IncludedPage 66 | IncludedSource | IncludedSource | Not stated | Not stated | IncludedPage 4 | IncludedPage 4 | IncludedExcludes claims also based on a breach of contract or a right in rem over land/buildings (covered instead under contract/property law).Page 5 |
| Tax law | IncludedPage 66 | IncludedPage 66 | IncludedPage 66 | IncludedSource | IncludedSource | Not stated | Not stated | IncludedBefore German tax and administrative courts; includes the pre-litigation Einspruchsverfahren.Page 6 | ||||||||
| Social law | IncludedPage 66 | IncludedPage 66 | IncludedPage 66 | IncludedSource | IncludedSource | Not stated | Not stated | IncludedPage 4 | IncludedPage 4 | |||||||
| Administrative law | IncludedPage 7 | IncludedPage 7 | IncludedPage 7 | IncludedSource | IncludedSource | Not stated | Not stated | IncludedPage 4 | IncludedPage 4 | Add-onModule: Rechtsschutz PLUSBase cover is limited to traffic-related administrative matters (B.3.4); non-traffic administrative law before German courts requires Rechtsschutz PLUS.Page 7 | ||||||
| Criminal defence | Not stated | Not stated | IncludedPage 7 | IncludedPage 7 | IncludedPage 7 | IncludedPage 23 | IncludedPage 23 | IncludedStandard cover excludes felonies and intent-only offences; see extended_criminal_defence for the Best-only Spezial-Straf-Rechtsschutz enhancement.Page 4 | IncludedStandard cover excludes felonies and intent-only offences; see extended_criminal_defence for the Best-only Spezial-Straf-Rechtsschutz enhancement.Page 4 | IncludedNo cover if a Verbrechen is alleged, or a Vergehen that can only be committed intentionally and intent is proven.Page 5 | ||||||
| Regulatory offences / fines (Ordnungswidrigkeiten) | IncludedGeneral (non-traffic) Ordnungswidrigkeiten only; Halt-/Parkverstöße excluded without PremiumPage 15 | IncludedPage 13 | IncludedPage 3 | IncludedPage 3 | IncludedPage 3 | IncludedPage 3 | IncludedPage 7 | IncludedPage 7 | IncludedPage 7 | IncludedSource | IncludedSource | IncludedPage 23 | IncludedPage 23 | IncludedPage 5 | IncludedPage 5 | |
| Rights as victim of a crime (Opferschutz) | IncludedPage 13 | IncludedPage 13 | IncludedPage 3 | IncludedPage 3 | IncludedPage 3 | IncludedPage 3 | IncludedPage 7 | IncludedPage 7 | IncludedPage 7 | IncludedSource | IncludedSource | IncludedPage 24 | IncludedPage 24 | IncludedPage 5 | IncludedPage 5 | IncludedRequires the policyholder or a co-insured person to be the victim of a violent crime as defined in B.3.7.Page 6 |
| Online purchases and contracts | IncludedPage 2 | IncludedPage 2 | IncludedPage 2 | IncludedPage 2 | UnlimitedPage 6 | UnlimitedPage 6 | UnlimitedPage 6 | Not stated | Not stated | Not stated | Not stated | IncludedSource | ||||
| Copyright / online warning letters (Abmahnung) | €250 per casePage 13 | €500 per yearPage 3 | €500 per yearPage 3 | €500 per yearPage 3 | €500 per yearPage 3 | €250 per yearPage 6 | €500 per yearPage 6 | €1,000 per yearPage 6 | €800 per yearPage 5 | €800 per yearPage 5 | Not includedPage 5 | €500 per casePage 26 | IncludedLimited to the first consultation with a lawyer per calendar year, covered under the general consultation-fee cap.Page 5 | €10,000 per casePage 22 | Add-on€1,000 per yearModule: Rechtsschutz PLUSFirst-consultation only, for a private individual accused of an online copyright infringement; no deductible applies.Page 7 | |
| Cyber-mobbing / online reputation | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | IncludedSource | IncludedSource | Not stated | Not stated | IncludedPage 19 | IncludedPage 19 | Not stated | |||
| Identity theft / phishing | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | IncludedSource | IncludedSource | Not includedPage 5 | IncludedPage 5 | Not includedPage 21 | €100 per contractPage 25 | Not stated | |||
| Data protection (GDPR) | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not includedPage 6 | €250 per casePage 67 | €500 per casePage 75 | IncludedSource | IncludedSource | Not stated | Not stated | Not stated | Not stated | Not stated |
| Investments / securities | Not includedPage 14 | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | €10,000Page 66 | €20,000Page 73 | Not includedSource | €20,000 per casePage 6 | Not stated | Not stated | Not includedPage 6 | €50,000 per investmentPage 21 | ||
| Low-risk financial products | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | UnlimitedPage 6 | UnlimitedPage 6 | UnlimitedPage 6 | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | |
| Limited side self-employment | Not stated | Not stated | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 8 | Not includedPage 8 | IncludedPage 74 | €17,500 per yearPage 5 | €17,500 per yearPage 5 | Not stated | Not stated | Not includedPage 19 | IncludedAnnual turnover must not exceed 22,000 EUR, no employees may be engaged, and cover does not extend to Rechtsschutz im Vertrags- und Sachenrecht for this activity.Page 22 | Not includedPage 9 |
| University admission proceedings | Not includedPage 14 | Not includedPage 14 | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 8 | Not includedPage 8 | 5 × per contractPage 73 | Not stated | Not stated | Not includedPage 6 | Not includedPage 6 | Not includedPage 10 | ||
| Consumer insolvency | Not includedPage 14 | Not includedPage 14 | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 8 | Not includedPage 8 | IncludedPage 73 | €500 per caseSource | €500 per caseSource | Not stated | Not stated | Not includedPage 6 | Not includedPage 6 | Not includedPage 10 |
| Termination agreement (Aufhebungsvertrag) negotiation | Not includedPage 11 | Not includedPage 6 | €1,500Page 6 | €5,000Page 6 | €1,000 per yearSource | €1,000 per yearSource | €1,500 per casePage 22 | €1,500 per casePage 22 | Not stated | €1,000 per yearPage 23 | IncludedPage 8 | |||||
| Disciplinary and professional-standards law | IncludedPage 2 | IncludedPage 2 | IncludedPage 2 | IncludedPage 2 | IncludedPage 7 | IncludedPage 7 | IncludedPage 7 | IncludedSource | IncludedSource | Not stated | Not stated | Not stated | Not stated | IncludedPage 6 | ||
| Dismissal by employer | Not stated | Not stated | Not stated | Not stated | IncludedPage 34 | IncludedPage 34 | IncludedPage 34 | IncludedSource | IncludedSource | Not stated | Not stated | Not stated | Not stated | IncludedPage 6 | ||
| Collective labour law | Not stated | Not stated | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 36 | Not includedPage 36 | Not includedPage 36 | Not includedSource | Not includedSource | Not stated | Not stated | Not includedPage 6 | Not includedPage 6 | Not includedPage 9 |
| Employer insolvency | Not includedPage 11 | Not stated | Not stated | Not stated | Not stated | Not includedPage 69 | Not includedPage 65 | IncludedPage 73 | €500 per caseSource | €500 per caseSource | Not stated | Not stated | Not stated | €1,000 per yearPage 23 | Not stated | |
| Employment discrimination (AGG) | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
| Family law – consultation / extended limit | €1,000 per caseModule: ADAC Rechtsschutz PremiumLawyer may also act out-of-court beyond initial consultation; mediation includedPage 13 | €250 per casePage 6 | €500 per casePage 6 | €1,000 per casePage 6 | €1,250 per casePage 5 | €2,500 per casePage 6 | €250 per yearPage 24 | €250 per yearPage 24 | €1,000 per casePage 22 | IncludedConsultation/advice only (Beratungs-Rechtsschutz); costs capped at the statutory consumer-advice fee and not reduced by the deductible; court litigation in family matters is excluded.Page 6 | ||||||
| Inheritance law – consultation / limit | Not stated | Not stated | €250 per casePage 6 | €500 per casePage 6 | €1,000 per casePage 6 | €1,250 per casePage 5 | €2,500 per casePage 6 | Not stated | Not stated | Not stated | Not stated | IncludedConsultation/advice only, same clause as family_law; PLUS extends to non-litigation außergerichtliche representation up to 1,000 € per case.Page 6 | ||||
| Marital / partnership law (incl. divorce) | Not stated | Not stated | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not stated | €2,500 per casePage 6 | Not stated | Not stated | Not includedPage 6 | Not includedPage 6 | Not includedPage 9 | |||
| Inheritance litigation (court) | Not stated | Not stated | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | €10,000 per contractPage 73 | Not stated | Not stated | Not stated | Not stated | Not includedPage 6 | Not includedPage 6 | Not includedPage 9 |
| Maintenance (Unterhalt) | Not stated | Not stated | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | €1,250 per casePage 5 | €2,500 per casePage 6 | Not stated | Not stated | Not stated | Not stated | Not includedPage 9 | |||
| Guardianship proceedings (Betreuungsverfahren) | Not includedPage 13 | IncludedPage 3 | IncludedPage 3 | IncludedPage 3 | IncludedPage 3 | €250Page 6 | €1,000Page 6 | UnlimitedPage 6 | IncludedSource | IncludedSource | Not stated | Not stated | IncludedPage 5 | IncludedPage 5 | ||
| Powers of attorney / advance directives – consultation | Not includedPage 13 | €300 oncePage 10 | €300 oncePage 10 | €300 oncePage 10 | €300 oncePage 10 | €500 per yearPage 6 | €500 per yearPage 6 | €500 per yearPage 6 | €250 per yearSource | €250 per yearSource | Not stated | Not stated | Not includedPage 21 | €500 per yearPage 25 | ||
| Will drafting / consultation | Not includedPage 13 | Not stated | Not stated | Not stated | Not stated | Not includedPage 7 | Not includedPage 7 | €500 per contractPage 72 | €250 per yearSource | €250 per yearSource | Not stated | Not stated | Not includedPage 21 | €500 per contractPage 25 | ||
| Partner and children insured | Set per policyPage 21 | Set per policyPage 21 | IncludedPage 1 | IncludedPage 1 | IncludedPage 1 | IncludedPage 1 | IncludedPage 69 | IncludedPage 69 | IncludedPage 69 | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | IncludedPage 5 |
| Dependent parents / relatives in need of care | Not stated | Not stated | IncludedPage 1 | IncludedPage 1 | IncludedPage 1 | IncludedPage 1 | Not includedPage 69 | IncludedPage 66 | IncludedPage 71 | Not stated | Not stated | Not stated | Not stated | IncludedFamily tariff only: parents (Eltern) of the policyholder and of the co-insured partner are covered if living in the same household with their Erstwohnsitz registered there.Page 17 | IncludedFamily tariff: all relatives (Verwandte) of the policyholder and of the co-insured partner are covered if living in the same household with their Erstwohnsitz registered there.Page 17 | Add-onModule: Rechtsschutz PLUSOnly parents/grandparents living in the same household, registered there and retired.Page 5 |
| Tenant disputes (Mieter) | Not stated | Not stated | Not stated | Not stated | IncludedPage 69 | IncludedPage 69 | IncludedPage 69 | Not stated | Not stated | Not stated | Not stated | |||||
| Landlord (Vermieter) cover | Not includedPage 10 | Not includedPage 10 | Not includedPage 69 | Not includedPage 65 | IncludedLimited to letting an accessory unit (Einliegerwohnung) within the policyholder's own single-family home.Page 71 | Not stated | Not stated | Not stated | Not stated | Add-onModule: Immobilien-Rechtsschutz für zusätzliche Objekte und Einzelrisiken (Vermieter und Verpächter)Page 29 | Add-onModule: Immobilien-Rechtsschutz für zusätzliche Objekte und Einzelrisiken (Vermieter und Verpächter)Page 29 | Add-onModule: Rechtsschutz für nicht selbst genutzte Wohneinheiten, gewerbliche Einheiten und GrundstückePage 5 | ||||
| Owner-occupied home (Eigentümer) | Not stated | Not stated | Not stated | Not stated | Not includedPage 69 | IncludedPage 65 | IncludedPage 71 | Not stated | Not stated | Not stated | Not stated | |||||
| Additional owner-occupied units | Not includedPage 10 | Not stated | Not stated | Not stated | Not stated | Not includedPage 69 | IncludedPage 65 | IncludedPage 71 | Not stated | Not stated | Not stated | Not stated | Not includedPage 20 | Not stated | ||
| Short-term letting (Airbnb) | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not includedPage 8 | IncludedMax. 3 rooms, max. 8 weeks per calendar year, in the main residence; valid permits required.Page 65 | IncludedMax. 3 rooms, max. 8 weeks per calendar year, in the main residence; valid permits required.Page 71 | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
| Photovoltaics / renewable energy installations | IncludedRequires Verkehrs-, Privat- und Wohn-Rechtsschutz combination; PV installation must be permit-free and on the roof of the insured homePage 14 | IncludedRequires Verkehrs-, Privat- und Wohn-Rechtsschutz combination; PV installation must be permit-free and on the roof of the insured homePage 14 | Not includedPage 6 | IncludedPage 75 | Not stated | Not stated | IncludedRequires both Lebensbereich Privat and Wohnen (Immobilie); system must be on the self-occupied one- or two-family house.Page 20 | IncludedRequires both Lebensbereich Privat and Wohnen (Immobilie); system must be on the self-occupied one- or two-family house.Page 20 | Add-onModule: Rechtsschutz PLUSOnly if the installation is exempt from permit/notification requirements and on a roof owned by the policyholder or a co-insured person.Page 7 | |||||||
| Construction disputes (Baurechtsschutz) | Not includedPage 14 | Not includedPage 14 | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 73 | Not includedPage 73 | €10,000 per contractPage 73 | Not stated | Add-on€5,000 per contractModule: Immobilien-Rechtsschutz (Ip)6 Monate Wartezeit; nur wenn Immobilien-Baustein ausgewählt wurdePage 6 | Not stated | Not stated | Not includedPage 5 | Not includedPage 5 | Not includedPage 9 |
| Expropriation / planning procedures | Not includedPage 14 | Not includedPage 14 | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 6 | Not includedPage 7 | Not includedPage 7 | €30,000Page 7 | Add-on€50,000 per caseModule: Immobilien-Rechtsschutz (Ip)Nur wenn Immobilien-Rechtsschutz (Ip) ausgewählt wurdePage 5 | Add-on€50,000 per caseModule: Immobilien-Rechtsschutz (Ip)Nur wenn Immobilien-Rechtsschutz (Ip) ausgewählt wurdePage 5 | Not stated | Not stated | Not includedPage 6 | €10,000 per casePage 24 | Not includedPage 10 |
| Development charges (Erschließung / Anliegerabgaben) | Not includedPage 14 | Not includedPage 14 | Not stated | Not stated | Not stated | Not stated | Not includedPage 7 | Not includedPage 7 | €30,000Page 7 | Not stated | Not stated | Not includedPage 6 | IncludedPage 24 | Not includedPage 9 | ||
| Traffic administrative law (licence matters) | IncludedPage 12 | IncludedPage 12 | Not stated | Not stated | Not stated | Not stated | IncludedPage 7 | IncludedPage 7 | IncludedPage 7 | IncludedSource | IncludedSource | Not stated | Not stated | IncludedPage 20 | IncludedPage 20 | IncludedPage 5 |
| Vehicle purchase / repair contracts | IncludedSource | IncludedSource | Not stated | Not stated | Not stated | Not stated | IncludedPage 7 | IncludedPage 7 | IncludedPage 7 | IncludedSource | IncludedSource | Not stated | Not stated | IncludedPage 20 | IncludedPage 20 | IncludedPage 5 |
| Motor vehicles covered | IncludedPage 7 | IncludedPage 7 | Not stated | Not stated | Not stated | Not stated | IncludedSource | IncludedSource | IncludedLand vehicles only in the base module; water/air vehicles are a Best-tier enhancement (see tier-level field).Page 20 | IncludedLand vehicles only in the base module; water/air vehicles are a Best-tier enhancement (see tier-level field).Page 20 | IncludedPage 4 | |||||
| Traffic fines / parking | Not includedPage 15 | IncludedPage 13 | IncludedPage 2 | IncludedPage 2 | IncludedPage 2 | IncludedPage 2 | IncludedSource | IncludedSource | Not stated | Not stated | IncludedHalt-/Parkverstöße are excluded unless the violation is one for which the German Bußgeldkatalog-Verordnung provides for points in the Verkehrszentralregister.Page 6 | IncludedHalt-/Parkverstöße are excluded unless the violation is one for which the German Bußgeldkatalog-Verordnung provides for points in the Verkehrszentralregister.Page 6 | IncludedGeneral traffic fines (Ordnungswidrigkeiten) are covered under B.3.6, but Halt- or Parkverstoß administrative/regulatory matters are excluded.Page 10 | |||
| Protection as driver / owner of a motor vehicle | IncludedPage 7 | IncludedPage 7 | Not stated | Not stated | Not stated | Not stated | IncludedPage 65 | IncludedPage 65 | IncludedPage 65 | IncludedSource | IncludedSource | IncludedPage 20 | IncludedPage 20 | IncludedPage 4 | ||
| Water and air vehicles | Not includedPage 9 | IncludedPage 9 | Not includedPage 69 | IncludedPage 65 | IncludedPage 71 | IncludedSource | IncludedSource | Not stated | Not stated | Not includedPage 24 | IncludedPage 24 | Not includedPage 4 | ||||
| Interpreter for criminal case abroad | Not stated | Not stated | IncludedPage 4 | IncludedPage 4 | IncludedPage 4 | IncludedPage 4 | IncludedPage 44 | IncludedPage 44 | IncludedPage 44 | IncludedSource | IncludedSource | Not stated | Not stated | Not includedPage 21 | IncludedPage 21 | Not stated |
| Waiting period – employment disputes | 3 monthsPage 15 | 3 monthsPage 15 | 3 monthsPage 3 | 3 monthsPage 3 | 3 monthsPage 3 | 3 monthsPage 3 | 6 monthsPage 40 | 3 monthsPage 40 | 3 monthsPage 40 | 3 monthsSource | 3 monthsSource | 3 monthsSource | 3 monthsSource | 3 monthsPage 7 | 3 monthsPage 7 | 3 monthsPage 8 |
| Waiting period – contract disputes | 3 monthsPage 15 | 3 monthsPage 15 | 3 monthsPage 3 | 3 monthsPage 3 | 3 monthsPage 3 | 3 monthsPage 3 | 6 monthsPage 40 | 3 monthsPage 40 | NonePage 40 | 1 monthPage 53 | 1 monthPage 53 | 3 monthsPage 8 | ||||
| Waiting period – housing disputes | 3 monthsPage 15 | 3 monthsPage 15 | Not stated | Not stated | Not stated | Not stated | 6 monthsPage 40 | 3 monthsPage 40 | 3 monthsPage 40 | 1 monthPage 53 | 1 monthPage 53 | 3 monthsPage 7 | 3 monthsPage 7 | 3 monthsPage 8 | ||
| Waiting period – traffic | NonePage 15 | NonePage 15 | Not stated | Not stated | Not stated | Not stated | NonePage 40 | NonePage 40 | NonePage 40 | NoneSource | NoneSource | NonePage 53 | NonePage 53 | Not stated | Not stated | NonePage 8 |
| Waiting period – maintenance | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | 12 monthsPage 40 | 12 monthsPage 40 | 12 monthsPage 40 | NoneSource | NoneSource | Not stated | Not stated | Not stated | Not stated | Not stated |
| Waiting period – inheritance litigation | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not includedNot yet checked | Not includedNot yet checked | 12 monthsPage 40 | NoneSource | NoneSource | Not stated | Not stated | Not stated | Not stated | Not stated |
| Waiting period – divorce litigation | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | 36 monthsPage 40 | 36 monthsPage 40 | 36 monthsPage 40 | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
| Waiting period – university admission | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not includedNot yet checked | Not includedNot yet checked | 36 monthsPage 40 | 60 monthsPage 5 | 60 monthsPage 5 | Not stated | Not stated | Not stated | Not stated | Not stated |
| Services available without waiting period | NonePage 13 | NonePage 13 | NonePage 3 | NonePage 3 | NonePage 3 | NonePage 3 | AppliesPage 7 | AppliesPage 7 | AppliesPage 7 | NoneSource | NoneSource | NonePage 53 | NonePage 53 | NonePage 5 | NonePage 5 | NonePage 6 |
| Phone legal adviceService, not legal cover | IncludedPage 13 | IncludedPage 13 | €250 per consultationPage 3 | €250 per consultationPage 3 | €250 per consultationPage 3 | €250 per consultationPage 3 | IncludedPage 7 | IncludedPage 7 | IncludedPage 7 | IncludedSource | IncludedSource | IncludedPage 6 | IncludedPage 6 | IncludedPage 4 | IncludedPage 4 | IncludedPage 6 |
| Service-charge statement check (Nebenkosten)Service, not legal cover | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
| Repair / rental defect checkService, not legal cover | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
| Travel documents serviceService, not legal cover | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | IncludedPage 44 | IncludedPage 44 | IncludedPage 44 | Not stated | Not stated | Not stated | Not stated | Not includedPage 21 | IncludedPage 25 | Not stated |
| RadMobilSchutz / CarSharingSchutzService, not legal cover | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | |||
| Online chat with lawyerService, not legal cover | IncludedSource | IncludedSource | Not stated | Not stated | Not stated | Not stated | IncludedPage 7 | IncludedPage 7 | IncludedPage 7 | Not stated | Not stated | Not includedSource | IncludedSource | Not stated | Not stated | IncludedSource |
| Mobile lawyerService, not legal cover | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not includedPage 7 | IncludedPage 7 | IncludedPage 7 | Not stated | Not stated | Not stated | Not stated | Not includedPage 21 | IncludedPage 22 | Not stated |
| Mediation / out-of-court settlementService, not legal cover | IncludedPage 16 | IncludedPage 16 | IncludedPage 7 | IncludedPage 7 | IncludedPage 7 | IncludedSource | IncludedSource | 1 × per yearPage 11 | 1 × per yearPage 11 | IncludedPage 5 | IncludedPage 5 | IncludedPage 7 | ||||
| Contract / document checkService, not legal cover | IncludedPage 13 | IncludedPage 13 | Not stated | Not stated | Not stated | Not stated | €100 per checkPage 6 | €100 per checkPage 6 | €100 per checkPage 6 | Not stated | Not stated | Not includedSource | IncludedSource | Not includedPage 21 | 1 × per yearPage 25 | Not stated |
| Website / T&C checkService, not legal cover | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | €100 per yearPage 6 | €100 per yearPage 6 | €100 per yearPage 6 | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
| Online will generatorService, not legal cover | IncludedPage 13 | IncludedPage 13 | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
| Advance-directive generatorService, not legal cover | IncludedPage 13 | IncludedPage 13 | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
| Employment reference checkService, not legal cover | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | €100 per checkPage 6 | €100 per checkPage 6 | €100 per checkPage 6 | Not stated | Not stated | IncludedSource | IncludedSource | Not stated | Not stated | Not stated |
| Employment contract creatorService, not legal cover | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
| Fine notice checkService, not legal cover | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
| KBA driving-points checkService, not legal cover | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
| Flight delay / travel defect helpService, not legal cover | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not includedPage 58 | Not includedPage 58 | Not includedPage 58 | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
| Contractor credit checkService, not legal cover | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | IncludedPage 6 | IncludedPage 6 | IncludedPage 6 | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
| Psychological emergency consultationService, not legal cover | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not includedPage 8 | Not includedPage 8 | IncludedPage 8 | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
| Cost recovery after conviction for intentional crime | Not includedPage 12 | Not includedPage 12 | AppliesPage 2 | AppliesPage 2 | AppliesPage 2 | AppliesPage 2 | AppliesPage 38 | AppliesPage 38 | AppliesPage 38 | Not includedSource | Not includedSource | Not includedPage 56 | Not includedPage 56 | AppliesPage 5 | AppliesPage 5 | Not includedPage 10 |
| Business activity excluded without business add-on | Not includedPage 15 | Not includedPage 15 | AppliesPage 1 | AppliesPage 1 | AppliesPage 1 | AppliesPage 1 | AppliesPage 67 | AppliesPage 67 | AppliesPage 67 | Not includedSource | Not includedSource | Not includedSource | Not includedSource | AppliesPage 19 | AppliesPage 19 | Not includedPage 9 |
"Not stated" means the documents we read do not say. It is not the same as "Not included".
Rules that apply to every policy
- Free choice of lawyer is a statutory right (§127 VVG) for all German legal expenses insurers.
- Disputes whose cause predates the policy start / waiting period are excluded by all insurers.
- Coverage must be confirmed against the Versicherungsschein and current ARB.
- Insurers may cancel after two claims within 12 months.
- Services (hotlines, generators, checks) are not equivalent to litigation cover; partner services can change without policy amendment.
Not an offer. Values come from product documents; the policy schedule (Versicherungsschein) and current ARB/IPID prevail.