AXA Legal expenses insurance (Top Rechtsschutz)
Underwritten by ROLAND Rechtsschutz-Versicherungs-AG · Germany
legal expenses insurance from AXA for the Germany market, with online purchase and 24/7 assistance.
Verified Oct 18, 2026 · Terms dated 2021-11-22
Unique selling points
60-day right of withdrawal instead of the statutory 14 days, as long as no claim has occurred and no service has been used.
Unlimited sum insured within the core territory (Premium tier) plus EUR 500,000 worldwide cover for temporary stays abroad of up to one year, well above typical market minimums.
24/7 telephone legal advice (JurLine) and online legal services included in every module at no deductible.
Claims-free bonus system that can reduce the deductible to EUR 0 after three claim-free years, with free choice of mediator or lawyer.
Active criminal-law protection to report cyber-mobbing, identity theft and reputational damage, included already in the base Privat-Rechtsschutz module.
Coverage limits
Compare tiers
Every tier of every insurer, answered field by field from the insurer's own terms.
| Policy feature | AXA2 packages | |
|---|---|---|
| Top-Rechtsschutz KomfortPrice on request | Top-Rechtsschutz PremiumPrice on request | |
| Price | Price on request | Price on request |
| Standard deductible (Selbstbeteiligung) | ||
| Minimum / standard contract term | 12 monthsSource | 12 monthsSource |
| Ordinary cancellation notice | 3 monthsSource | 3 monthsSource |
| Deductible reduction after claim-free years | €100 per yearPage 5 | €100 per yearPage 5 |
| No deductible for first/phone consultation or mediation | IncludedSource | IncludedSource |
| Switching / difference cover (Differenzdeckung) | ||
| Sum insured – Europe / core territory | Not stated | UnlimitedPage 4 |
| Sum insured – outside core territory | €500,000 per casePage 5 | €500,000 per casePage 5 |
| Criminal bail (Strafkaution) – core territory | Not stated | Not stated |
| Criminal bail (Strafkaution) – outside core territory | Not stated | Not stated |
| Max. covered stay outside core territory | 12 monthsSource | 12 monthsSource |
| Mediation limit per case | €10,000 per casePage 3 | Not stated |
| Mediation limit per year | Not stated | Not stated |
| Own lawyer, court and expert costs | IncludedPage 3 | IncludedPage 3 |
| Opposing party costs (if legally owed) | IncludedPage 3 | IncludedPage 3 |
| Area: Private (Privat) | IncludedPage 5 | IncludedPage 5 |
| Area: Work / employment law (Beruf) | IncludedPage 5 | IncludedPage 5 |
| Area: Home (Wohnen) – tenant/owner-occupier | ||
| Area: Traffic (Verkehr) – motor vehicles | IncludedPage 5 | IncludedPage 5 |
| Extended / special criminal defence (e.g. StrafrechtPlus) | ||
| Traffic disputes as pedestrian / passenger / cyclist (non-owner) | IncludedSource | IncludedSource |
| Contract and property law | IncludedSource | IncludedSource |
| Claims for damages (Schadenersatz) | IncludedSource | IncludedSource |
| Tax law | IncludedSource | IncludedSource |
| Social law | IncludedSource | IncludedSource |
| Administrative law | IncludedSource | IncludedSource |
| Criminal defence | ||
| Regulatory offences / fines (Ordnungswidrigkeiten) | IncludedSource | IncludedSource |
| Rights as victim of a crime (Opferschutz) | IncludedSource | IncludedSource |
| Online purchases and contracts | Not stated | Not stated |
| Copyright / online warning letters (Abmahnung) | €800 per yearPage 5 | €800 per yearPage 5 |
| Cyber-mobbing / online reputation | IncludedSource | IncludedSource |
| Identity theft / phishing | IncludedSource | IncludedSource |
| Data protection (GDPR) | IncludedSource | IncludedSource |
| Investments / securities | Not includedSource | €20,000 per casePage 6 |
| Low-risk financial products | Not stated | Not stated |
| Limited side self-employment | €17,500 per yearPage 5 | €17,500 per yearPage 5 |
| University admission proceedings | ||
| Consumer insolvency | €500 per caseSource | €500 per caseSource |
| Termination agreement (Aufhebungsvertrag) negotiation | €1,000 per yearSource | €1,000 per yearSource |
| Disciplinary and professional-standards law | IncludedSource | IncludedSource |
| Dismissal by employer | IncludedSource | IncludedSource |
| Collective labour law | Not includedSource | Not includedSource |
| Employer insolvency | €500 per caseSource | €500 per caseSource |
| Employment discrimination (AGG) | Not stated | Not stated |
| Family law – consultation / extended limit | €1,250 per casePage 5 | €2,500 per casePage 6 |
| Inheritance law – consultation / limit | €1,250 per casePage 5 | €2,500 per casePage 6 |
| Marital / partnership law (incl. divorce) | Not stated | €2,500 per casePage 6 |
| Inheritance litigation (court) | Not stated | Not stated |
| Maintenance (Unterhalt) | €1,250 per casePage 5 | €2,500 per casePage 6 |
| Guardianship proceedings (Betreuungsverfahren) | IncludedSource | IncludedSource |
| Powers of attorney / advance directives – consultation | €250 per yearSource | €250 per yearSource |
| Will drafting / consultation | €250 per yearSource | €250 per yearSource |
| Partner and children insured | Not stated | Not stated |
| Dependent parents / relatives in need of care | Not stated | Not stated |
| Tenant disputes (Mieter) | ||
| Landlord (Vermieter) cover | Not stated | Not stated |
| Owner-occupied home (Eigentümer) | ||
| Additional owner-occupied units | Not stated | Not stated |
| Short-term letting (Airbnb) | Not stated | Not stated |
| Photovoltaics / renewable energy installations | ||
| Construction disputes (Baurechtsschutz) | Not stated | Add-on€5,000 per contractModule: Immobilien-Rechtsschutz (Ip)6 Monate Wartezeit; nur wenn Immobilien-Baustein ausgewählt wurdePage 6 |
| Expropriation / planning procedures | 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 |
| Development charges (Erschließung / Anliegerabgaben) | ||
| Traffic administrative law (licence matters) | IncludedSource | IncludedSource |
| Vehicle purchase / repair contracts | IncludedSource | IncludedSource |
| Motor vehicles covered | IncludedSource | IncludedSource |
| Traffic fines / parking | IncludedSource | IncludedSource |
| Protection as driver / owner of a motor vehicle | IncludedSource | IncludedSource |
| Water and air vehicles | IncludedSource | IncludedSource |
| Interpreter for criminal case abroad | IncludedSource | IncludedSource |
| Waiting period – employment disputes | 3 monthsSource | 3 monthsSource |
| Waiting period – contract disputes | ||
| Waiting period – housing disputes | ||
| Waiting period – traffic | NoneSource | NoneSource |
| Waiting period – maintenance | NoneSource | NoneSource |
| Waiting period – inheritance litigation | NoneSource | NoneSource |
| Waiting period – divorce litigation | Not stated | Not stated |
| Waiting period – university admission | 60 monthsPage 5 | 60 monthsPage 5 |
| Services available without waiting period | NoneSource | NoneSource |
| Phone legal adviceService, not legal cover | IncludedSource | IncludedSource |
| Service-charge statement check (Nebenkosten)Service, not legal cover | Not stated | Not stated |
| Repair / rental defect checkService, not legal cover | Not stated | Not stated |
| Travel documents serviceService, not legal cover | Not stated | Not stated |
| RadMobilSchutz / CarSharingSchutzService, not legal cover | Not stated | Not stated |
| Online chat with lawyerService, not legal cover | Not stated | Not stated |
| Mobile lawyerService, not legal cover | Not stated | Not stated |
| Mediation / out-of-court settlementService, not legal cover | IncludedSource | IncludedSource |
| Contract / document checkService, not legal cover | Not stated | Not stated |
| Website / T&C checkService, not legal cover | Not stated | Not stated |
| Online will generatorService, not legal cover | Not stated | Not stated |
| Advance-directive generatorService, not legal cover | Not stated | Not stated |
| Employment reference checkService, not legal cover | Not stated | Not stated |
| Employment contract creatorService, not legal cover | Not stated | Not stated |
| Fine notice checkService, not legal cover | Not stated | Not stated |
| KBA driving-points checkService, not legal cover | Not stated | Not stated |
| Flight delay / travel defect helpService, not legal cover | Not stated | Not stated |
| Contractor credit checkService, not legal cover | Not stated | Not stated |
| Psychological emergency consultationService, not legal cover | Not stated | Not stated |
| Cost recovery after conviction for intentional crime | Not includedSource | Not includedSource |
| Business activity excluded without business add-on | Not includedSource | Not includedSource |
"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
The insurer confirms coverage (Kostenzusage) and then directly settles the statutory fees of the policyholder's chosen lawyer, as well as court, bailiff and expert costs, rather than requiring the policyholder to pay first and claim reimbursement.
Territorial scope
Covers legal disputes before courts/authorities in Europe, the Mediterranean riparian states, the Canary Islands, Madeira and the Azores; worldwide cover up to EUR 500,000 applies during a temporary stay abroad of up to one year (subject to exclusions for property and self-employment disputes).
Exclusions
Pre-Existing Dispute Exclusion
Cover applies only if the insured event occurred after the start of cover; for disputes with multiple causes, only the first cause is decisive.
SourceClause A 9.1Section: ARB 2021 > A 9. Welche Voraussetzungen müssen vorliegen, damit Sie Anspruch auf Versicherungsschutz haben?
Diesen Anspruch haben Sie aber nur, wenn der Versicherungsfall nach Beginn des Versicherungsschutzes und vor dessen Ende ... eingetreten ist.
Intentional Crime Exclusion
The base criminal-law module only covers defence against negligently committed offences; intentional offences are excluded unless the optional StrafrechtPlus module applies.
SourceSection: Besondere Bedingungen P > 3.9 Straf-Rechtsschutz
Wird Ihnen jedoch ein vorsätzliches Verhalten vorgeworfen, erhalten Sie zunächst keinen Versicherungsschutz.
Documents
Allgemeine Rechtsschutz-Bedingungen ARB 2021 (opens in a new tab)
Terms & conditions · PDF
Insurance Product Information Document (ARB 2021 / Komfort) (opens in a new tab)
Product information sheet · PDF
Top-Rechtsschutz Komfort tariff overview (PBV/PBVI) (opens in a new tab)
Table of benefits · PDF
Contract documents: ARB 2022, IPID and Top-Rechtsschutz Premium overview (opens in a new tab)
Terms & conditions · PDF
Policy specifics
Modular Coverage Structure
Cover is built from separate modules (Bausteine) for private, employment, traffic and real-estate law; only the modules named in the policy schedule are active.
SourcePage 5Section: Top-Rechtsschutz Komfort > Übersicht PBV/PBVI
Weltweite Deckungssumme: 500.000 Euro
Traffic Legal Protection
Covers disputes for private vehicle owners, drivers and passengers, including as pedestrian or cyclist, in contract, administrative, criminal and fines matters.
SourceClause V1p 1.1Section: Besondere Bedingungen V1p > 1. Welchen Rechtsschutz haben Sie?
Sie haben Versicherungsschutz, wenn Sie rechtliche Interessen wahrnehmen als Eigentümer:in, Halter:in, Erwerber:in, Leasingnehmer:in/Mieter:in, Fahrer:in
Real Estate Legal Protection
Optional module covering self-used residential property disputes for owners, tenants and leaseholders, including landlord and tenant conflicts.
SourceClause Ip 1.1Section: Besondere Bedingungen Ip > 1. Welchen Rechtsschutz haben Sie?
Sie haben in diesem Baustein Versicherungsschutz, wenn Sie Ihre als Wohneinheit selbst genutzten Grundstücke, Gebäude oder Gebäudeteile ... nutzen
Deductible / Claims-Free Bonus System
The deductible starts between EUR 0 and 300 depending on prior claims-free insurance, falls by EUR 100 per claims-free year to EUR 0, and rises to a maximum of EUR 500 after a claim with a cost confirmation.
SourcePage 5Section: Top-Rechtsschutz Komfort > Schadenfreiheits-Rabatt
Sie starten mit einer Selbstbeteiligung (SB) zwischen 0 und 300 Euro abhängig von der Vertragslaufzeit Ihrer Vorversicherung.
Waiting Periods
A three-month waiting period applies to employment law and housing/property law (except claims for damages to real rights); traffic law has no waiting period.
SourceClause A 6.1.1Section: ARB 2021 > A 6.1 Zeitliche Ausschlüsse (Wartezeiten)
In folgenden Leistungsarten gilt eine Wartezeit von drei Monaten. Sie haben keinen Versicherungsschutz, wenn ein Versicherungsfall innerhalb von drei Monaten nach Versicherungsbeginn eintritt.
Free Choice of Lawyer
The policyholder may freely choose a lawyer; the insurer only selects one if the policyholder wishes or fails to name one when urgently needed.
SourceClause A 11.3Section: ARB 2021 > A 11.3 Den Rechtsanwalt können Sie auswählen
Wir wählen den:die Rechtsanwält:in aus, wenn Sie das wünschen oder wenn Sie keine:n Rechtsanwält:in benennen und uns die umgehende Beauftragung ... notwendig erscheint.
Cost Coverage Limits
The insurer pays at most the agreed sum insured per case; payments for the policyholder and co-insured persons in the same case, or in causally linked cases, are aggregated.
SourceClause A 5Section: ARB 2022 > A 5. Wie sieht der Leistungsumfang aus?
Wir zahlen in jedem Versicherungsfall höchstens die in unserem Vertrag vereinbarte Versicherungssumme.
Claim Reporting Obligation
The policyholder must notify the insurer of a legal case without undue delay; intentional breach results in loss of cover.
SourceClause A 11.1 / A 11.5Section: ARB 2022 > A 11. Wie müssen Sie sich im Versicherungsfall verhalten?
Sie müssen uns den Versicherungsfall unverzüglich mitteilen ... Wenn Sie eine der ... genannten Obliegenheiten vorsätzlich verletzen, verlieren Sie Ihren Versicherungsschutz.
AXA Legal expenses insurance