Pending review

ARAG Legal expenses insurance (Aktiv Rechtsschutz Privatpersonen)

Underwritten by ARAG · Germany

legal expenses insurance from ARAG for the Germany market, with online purchase and 24/7 assistance.

Verified Oct 15, 2026 · Terms dated 2026-03Sources

Online purchase24/7 helpline

Unique selling points

ARAG is the world's largest legal expenses insurer and Germany's largest family-owned insurance group, with over 90 years in the market.

All three tiers include an unlimited European sum insured, and Komfort/Premium extend that to unlimited worldwide cover for stays of up to 12 months.

Komfort and Premium customers pay no deductible whenever a case is resolved through an initial lawyer consultation.

Premium includes dedicated court-level inheritance-dispute cover up to €10,000 per contract term, a benefit many competitors only offer as basic advice.

ARAG JuraTel gives every tier round-the-clock telephone access to a lawyer for an initial consultation, in over 20 European countries and the USA.

Coverage limits

Compare tiers

Every tier of every insurer, answered field by field from the insurer's own terms.

Compare tiers
Policy featureARAG3 packages
ARAG Aktiv-Rechtsschutz Kompaktfrom€14.73/ monthARAG Aktiv-Rechtsschutz Komfortfrom€16.54/ monthARAG Aktiv-Rechtsschutz Premiumfrom€20.44/ month
Price
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
Standard deductible (Selbstbeteiligung)
Set per policyPage 42
Set per policyPage 42
Set per policyPage 42
Minimum / standard contract term
Set per policyPage 27
Set per policyPage 27
Set per policyPage 27
Ordinary cancellation notice
3 monthsPage 47
3 monthsPage 47
3 monthsPage 47
Deductible reduction after claim-free yearsNot statedNot statedNot stated
No deductible for first/phone consultation or mediation
Not includedPage 8
IncludedPage 43
IncludedPage 43
Switching / difference cover (Differenzdeckung)
Add-onModule: DifferenzdeckungPage 45
Add-onModule: DifferenzdeckungPage 45
Add-onModule: DifferenzdeckungPage 45
Sum insured – Europe / core territory
UnlimitedPage 5
UnlimitedPage 5
UnlimitedPage 5
Sum insured – outside core territory
€350,000Page 5
UnlimitedPage 5
UnlimitedPage 5
Criminal bail (Strafkaution) – core territory
€300,000Page 5
UnlimitedPage 5
UnlimitedPage 5
Criminal bail (Strafkaution) – outside core territory
€300,000Page 6
€500,000Page 6
€1,000,000Page 6
Max. covered stay outside core territory
12 monthsPage 5
12 monthsPage 5
12 monthsPage 5
Mediation limit per case
€3,000 per casePage 45
€3,000 per casePage 45
€3,000 per casePage 45
Mediation limit per year
€6,000 per yearPage 45
€6,000 per yearPage 45
€6,000 per yearPage 45
Own lawyer, court and expert costs
IncludedPage 41
IncludedPage 41
IncludedPage 41
Opposing party costs (if legally owed)
IncludedPage 42
IncludedPage 42
IncludedPage 42
Area: Private (Privat)
IncludedPage 65
IncludedPage 65
IncludedPage 65
Area: Work / employment law (Beruf)
IncludedPage 65
IncludedPage 65
IncludedPage 65
Area: Home (Wohnen) – tenant/owner-occupier
IncludedTenant/occupant of one main residence in Germany only; no ownership-based cover.Page 69
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
Area: Traffic (Verkehr) – motor vehicles
IncludedLand vehicles only; no water or air vehicles.Page 69
IncludedLand, water and air vehicles.Page 65
IncludedLand, water and air vehicles.Page 71
Extended / special criminal defence (e.g. StrafrechtPlus)
Add-on€300,000Module: Erweiterter Straf-Rechtsschutz (Sonderbedingung 1)Page 6
€300,000Module: Erweiterter Straf-RechtsschutzPage 7
€300,000Module: Erweiterter Straf-RechtsschutzPage 7
Traffic disputes as pedestrian / passenger / cyclist (non-owner)
IncludedPage 65
IncludedPage 65
IncludedPage 65
Contract and property law
IncludedPage 66
IncludedPage 66
IncludedPage 66
Claims for damages (Schadenersatz)
IncludedPage 66
IncludedPage 66
IncludedPage 66
Tax law
IncludedPage 66
IncludedPage 66
IncludedPage 66
Social law
IncludedPage 66
IncludedPage 66
IncludedPage 66
Administrative law
IncludedPage 7
IncludedPage 7
IncludedPage 7
Criminal defence
IncludedPage 7
IncludedPage 7
IncludedPage 7
Regulatory offences / fines (Ordnungswidrigkeiten)
IncludedPage 7
IncludedPage 7
IncludedPage 7
Rights as victim of a crime (Opferschutz)
IncludedPage 7
IncludedPage 7
IncludedPage 7
Online purchases and contracts
UnlimitedPage 6
UnlimitedPage 6
UnlimitedPage 6
Copyright / online warning letters (Abmahnung)
€250 per yearPage 6
€500 per yearPage 6
€1,000 per yearPage 6
Cyber-mobbing / online reputation
Add-onModule: ARAG web@ktiv®Page 103
Add-onModule: ARAG web@ktiv®Page 103
Add-onModule: ARAG web@ktiv®Page 103
Identity theft / phishing
Add-onModule: ARAG web@ktiv®Page 103
Add-onModule: ARAG web@ktiv®Page 103
Add-onModule: ARAG web@ktiv®Page 103
Data protection (GDPR)
Not includedPage 6
€250 per casePage 67
€500 per casePage 75
Investments / securities
Not includedPage 6
€10,000Page 66
€20,000Page 73
Low-risk financial products
UnlimitedPage 6
UnlimitedPage 6
UnlimitedPage 6
Limited side self-employment
Not includedPage 8
Not includedPage 8
IncludedPage 74
University admission proceedings
Not includedPage 8
Not includedPage 8
5 × per contractPage 73
Consumer insolvency
Not includedPage 8
Not includedPage 8
IncludedPage 73
Termination agreement (Aufhebungsvertrag) negotiation
Not includedPage 6
€1,500Page 6
€5,000Page 6
Disciplinary and professional-standards law
IncludedPage 7
IncludedPage 7
IncludedPage 7
Dismissal by employer
IncludedPage 34
IncludedPage 34
IncludedPage 34
Collective labour law
Not includedPage 36
Not includedPage 36
Not includedPage 36
Employer insolvency
Not includedPage 69
Not includedPage 65
IncludedPage 73
Employment discrimination (AGG)Not statedNot statedNot stated
Family law – consultation / extended limit
€250 per casePage 6
€500 per casePage 6
€1,000 per casePage 6
Inheritance law – consultation / limit
€250 per casePage 6
€500 per casePage 6
€1,000 per casePage 6
Marital / partnership law (incl. divorce)
Add-on€30,000Module: Ehe- und Unterhalts-Rechtsschutz (Annex)Page 7
Add-on€30,000Module: Ehe- und Unterhalts-Rechtsschutz (Annex)Page 7
Add-on€30,000Module: Ehe- und Unterhalts-Rechtsschutz (Annex)Page 7
Inheritance litigation (court)
Not includedPage 6
Not includedPage 6
€10,000 per contractPage 73
Maintenance (Unterhalt)
Add-on€30,000 per caseModule: Ehe- und Unterhalts-Rechtsschutz (Annex)Page 35
Add-on€30,000 per caseModule: Ehe- und Unterhalts-Rechtsschutz (Annex)Page 35
Add-on€30,000 per caseModule: Ehe- und Unterhalts-Rechtsschutz (Annex)Page 35
Guardianship proceedings (Betreuungsverfahren)
€250Page 6
€1,000Page 6
UnlimitedPage 6
Powers of attorney / advance directives – consultation
€500 per yearPage 6
€500 per yearPage 6
€500 per yearPage 6
Will drafting / consultation
Not includedPage 7
Not includedPage 7
€500 per contractPage 72
Partner and children insured
IncludedPage 69
IncludedPage 69
IncludedPage 69
Dependent parents / relatives in need of care
Not includedPage 69
IncludedPage 66
IncludedPage 71
Tenant disputes (Mieter)
IncludedPage 69
IncludedPage 69
IncludedPage 69
Landlord (Vermieter) cover
Not includedPage 69
Not includedPage 65
IncludedLimited to letting an accessory unit (Einliegerwohnung) within the policyholder's own single-family home.Page 71
Owner-occupied home (Eigentümer)
Not includedPage 69
IncludedPage 65
IncludedPage 71
Additional owner-occupied units
Not includedPage 69
IncludedPage 65
IncludedPage 71
Short-term letting (Airbnb)
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
Photovoltaics / renewable energy installations
Not includedPage 6
IncludedNot yet checkedPage 67
IncludedPage 75
Construction disputes (Baurechtsschutz)
Not includedPage 73
Not includedPage 73
€10,000 per contractPage 73
Expropriation / planning procedures
Not includedPage 7
Not includedPage 7
€30,000Page 7
Development charges (Erschließung / Anliegerabgaben)
Not includedPage 7
Not includedPage 7
€30,000Page 7
Traffic administrative law (licence matters)
IncludedPage 7
IncludedPage 7
IncludedPage 7
Vehicle purchase / repair contracts
IncludedPage 7
IncludedPage 7
IncludedPage 7
Motor vehicles covered
IncludedLand vehicles only.Page 69
IncludedLand, water and air vehicles.Page 65
IncludedLand, water and air vehicles.Page 71
Traffic fines / parking
IncludedOnly if points in the FAER register are threatened.Page 7
IncludedOnly if the vehicle's driver is known/identified to the authority.Page 7
IncludedOnly if the vehicle's driver is known/identified to the authority.Page 74
Protection as driver / owner of a motor vehicle
IncludedPage 65
IncludedPage 65
IncludedPage 65
Water and air vehicles
Not includedPage 69
IncludedPage 65
IncludedPage 71
Interpreter for criminal case abroad
IncludedPage 44
IncludedPage 44
IncludedPage 44
Waiting period – employment disputes
6 monthsPage 40
3 monthsPage 40
3 monthsPage 40
Waiting period – contract disputes
6 monthsPage 40
3 monthsPage 40
NonePage 40
Waiting period – housing disputes
6 monthsPage 40
3 monthsPage 40
3 monthsPage 40
Waiting period – traffic
NonePage 40
NonePage 40
NonePage 40
Waiting period – maintenance
12 monthsPage 40
12 monthsPage 40
12 monthsPage 40
Waiting period – inheritance litigation
Not includedNot yet checked
Not includedNot yet checked
12 monthsPage 40
Waiting period – divorce litigation
36 monthsPage 40
36 monthsPage 40
36 monthsPage 40
Waiting period – university admission
Not includedNot yet checked
Not includedNot yet checked
36 monthsPage 40
Services available without waiting period
AppliesPage 7
AppliesPage 7
AppliesPage 7
Phone legal adviceService, not legal cover
IncludedPage 7
IncludedPage 7
IncludedPage 7
Service-charge statement check (Nebenkosten)Service, not legal coverNot statedNot statedNot stated
Repair / rental defect checkService, not legal coverNot statedNot statedNot stated
Travel documents serviceService, not legal cover
IncludedPage 44
IncludedPage 44
IncludedPage 44
RadMobilSchutz / CarSharingSchutzService, not legal cover
Add-onModule: ARAG web@ktiv®Page 109
Add-onModule: ARAG web@ktiv®Page 109
Add-onModule: ARAG web@ktiv®Page 109
Online chat with lawyerService, not legal cover
IncludedPage 7
IncludedPage 7
IncludedPage 7
Mobile lawyerService, not legal cover
Not includedPage 7
IncludedPage 7
IncludedPage 7
Mediation / out-of-court settlementService, not legal cover
IncludedPage 7
IncludedPage 7
IncludedPage 7
Contract / document checkService, not legal cover
€100 per checkPage 6
€100 per checkPage 6
€100 per checkPage 6
Website / T&C checkService, not legal cover
€100 per yearPage 6
€100 per yearPage 6
€100 per yearPage 6
Online will generatorService, not legal coverNot statedNot statedNot stated
Advance-directive generatorService, not legal coverNot statedNot statedNot stated
Employment reference checkService, not legal cover
€100 per checkPage 6
€100 per checkPage 6
€100 per checkPage 6
Employment contract creatorService, not legal coverNot statedNot statedNot stated
Fine notice checkService, not legal coverNot statedNot statedNot stated
KBA driving-points checkService, not legal coverNot statedNot statedNot stated
Flight delay / travel defect helpService, not legal cover
Not includedPage 58
Not includedPage 58
Not includedPage 58
Contractor credit checkService, not legal cover
IncludedPage 6
IncludedPage 6
IncludedPage 6
Psychological emergency consultationService, not legal cover
Not includedPage 8
Not includedPage 8
IncludedPage 8
Cost recovery after conviction for intentional crime
AppliesPage 38
AppliesPage 38
AppliesPage 38
Business activity excluded without business add-on
AppliesPage 67
AppliesPage 67
AppliesPage 67

"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.

Key conditions

Direct payment

ARAG pays the statutory fees of the insured's freely chosen lawyer, court and expert costs directly up to the agreed deductible and sum insured, or reimburses the insured on proof of payment obligation; the policy schedule and the current ARB prevail.

Territorial scope

Core coverage applies in Europe, the Mediterranean neighbouring states, the Canary Islands, Madeira and the Azores; worldwide cover applies for stays abroad of up to 12 months, with some areas (tax, social, data-protection, family/inheritance law) restricted to German courts.

Where to buy

Listed alphabetically by seller. The order does not depend on whether Boleron earns anything from a sale.

ARAG (opens in a new tab)

Configure and buy ARAG private legal expenses insurance online

InsurerBuy online

ARAG (opens in a new tab)

Find an ARAG branch or local advisor

InsurerFind a branch

ARAG Generalagentur Thomas S. Cremer (opens in a new tab)

Buy ARAG private legal expenses insurance via ARAG general agency Thomas S. Cremer

Insurance agentBuy online

CHECK24 (opens in a new tab)

Compare and buy ARAG legal expenses tariffs via CHECK24

Comparison siteBuy online

Documents

ARAG ARB 2026 – Terms and Conditions incl. Benefits Overview (as of 03.2026) (opens in a new tab)

Terms & conditions · PDF

ARAG IPID – Legal Expenses Insurance for Private Customers (as of 03.2026) (opens in a new tab)

Product information sheet · PDF

Checklist comparing Kompakt/Komfort/Premium benefit levels (Aktiv-Rechtsschutz für Privatpersonen) (opens in a new tab)

Table of benefits · PDF

Policy specifics

Legal cost coverage

ARAG covers the lawyer's statutory fees, court costs and expert costs in the legal areas and up to the sums insured agreed for the chosen tier (Kompakt, Komfort or Premium).

SourceClause § 26Page 65

Section: 4 Formen des Versicherungsschutzes > § 26 Aktiv-Rechtsschutz Komfort

Sie und Ihr ehelicher, eingetragener oder mit Ihnen in häuslicher Gemeinschaft zusammenlebender sonstiger Lebenspartner ... haben Versicherungsschutz

Geographic scope of coverage

Core coverage applies in Europe, the Mediterranean neighbouring states, the Canary Islands, Madeira and the Azores; worldwide cover applies for stays abroad of up to 12 months (Kompakt capped at €350,000, Komfort/Premium unlimited).

SourceClause § 6 Abs. 1Page 45

Section: § 6 In welchen Ländern sind Sie versichert?

in Europa; in den Anliegerstaaten des Mittelmeers; auf den Kanarischen Inseln; auf Madeira; auf den Azoren

Waiting periods

Waiting periods vary by tier: 6 months in Kompakt and 3 months in Komfort/Premium for work, contract and home law (Premium has no wait for contract law); 1 year for the maintenance-law annex; 3 years for the marriage/divorce annex and, in Premium only, for university-admission proceedings.

SourceClause § 4 Abs. 5Page 40

Section: § 4 Voraussetzung für den Anspruch auf Versicherungsschutz > Absatz 5

Drei Monate Wartezeit gelten für ... Wohnungs- und Grundstücks-Rechtsschutz (§ 2 c) im Aktiv-Rechtsschutz Komfort und Premium

Requirement of reasonable prospects of success

ARAG may decline cover if, in its assessment, the case has no reasonable prospect of success or is pursued frivolously, with costs grossly disproportionate to the likely outcome.

SourceClause § 3a Abs. 1Page 38

Section: § 3a Ablehnung des Rechtsschutzes wegen mangelnder Erfolgsaussichten oder Mutwilligkeit

die Wahrnehmung Ihrer rechtlichen Interessen keine hinreichende Aussicht auf Erfolg hat

Direct payment vs. reimbursement

ARAG pays lawyer, court and expert fees directly within agreed limits, or reimburses the policyholder once proof is provided that the costs are owed or have already been paid; free choice of lawyer applies with no tied network.

SourceClause § 5 Abs. 2Page 42

Section: § 5 Leistungsumfang > Absatz 2

Wir erstatten die von uns zu tragenden Kosten, wenn Sie nachweisen, dass Sie zu deren Zahlung verpflichtet sind

Deductible / self-participation

The deductible is fixed per policy and deducted once per insured event; Komfort and Premium waive it whenever the case is concluded with an initial lawyer consultation, Kompakt does not.

SourceClause § 5 Abs. 3 cPage 43

Section: § 5 Leistungsumfang > Absatz 3 c

Bei unseren Komfort- und Premiumprodukten ziehen wir keine Selbstbeteiligung ab, sofern der Versicherungsfall mit einem ersten Beratungsgespräch ... abgeschlossen ist

Modular selection of legal areas

Policyholders choose a tier (Kompakt, Komfort or Premium) and can add work, home and traffic modules, plus optional annexes (e.g. marriage/maintenance protection, extended criminal defence).

SourceClause § 26 Abs. 1Page 65

Section: § 26 Aktiv-Rechtsschutz Komfort > Absatz 1

Der Umfang des Versicherungsschutzes kann in verschiedenen Formen vereinbart werden

Claims notification requirement

The policyholder must notify ARAG of the insured event without delay, including by phone, and cooperate fully and truthfully; intentional breach forfeits cover and grossly negligent breach allows a proportionate reduction.

SourceClause § 17 Abs. 1 aPage 53

Section: § 17 Verhalten im Versicherungsfall/Erfüllung von Obliegenheiten

Sie müssen uns den Versicherungsfall unverzüglich mitteilen, gegebenenfalls auch telefonisch

Sources

ARAG Legal expenses insurance

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