DEVK Legal expenses insurance (Devk Rechtsschutz Nichtselbststaendige)
Underwritten by DEVK Rechtsschutz-Versicherungs-AG · Germany
legal expenses insurance from DEVK for the Germany market, with online purchase.
Verified Oct 18, 2026 · Terms dated 2024-12-11Sources
Key facts
- DEVK
- Starting price: €27.62per monthAs published by the insurer — it does not say who the price is for
Unique selling points
Unlimited sum insured for enforcing the policyholder's legal rights, with only a few specific benefits individually capped (e.g. worldwide cover at €500,000, criminal bail up to €2.2 million).
Customers can cut their premium by up to 15% with the 'clever' service tariffs simply by reporting a claim before instructing a lawyer.
Free telephone legal advice is available even for matters that are not covered by the policy, at no deductible.
The deductible is waived entirely whenever a case is resolved after a consultation, and never applies to phone/online advice or mediation.
The Premium tier adds daily dark-web and internet identity-theft monitoring (IDPROTECT) with alerting, plus an online contract check and a 1,000 GB document vault — services many competitors charge extra for.
Coverage limits
Compare tiers
Every tier of every insurer, answered field by field from the insurer's own terms.
| Policy feature | DEVK2 packages | |
|---|---|---|
| Komfort-Schutz / Komfort cleverfrom€26.73/ month | Premium-Schutz / Premium cleverPrice on request | |
| Price | 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 |
| Standard deductible (Selbstbeteiligung) | ||
| Minimum / standard contract term | Not stated | Not stated |
| Ordinary cancellation notice | 3 monthsPage 60 | 3 monthsPage 60 |
| Deductible reduction after claim-free years | Not stated | Not stated |
| No deductible for first/phone consultation or mediation | IncludedSource | IncludedSource |
| Switching / difference cover (Differenzdeckung) | Not stated | Not stated |
| Sum insured – Europe / core territory | UnlimitedSource | UnlimitedSource |
| Sum insured – outside core territory | €500,000Source | €500,000Source |
| Criminal bail (Strafkaution) – core territory | €2,200,000Source | €2,200,000Source |
| Criminal bail (Strafkaution) – outside core territory | Not stated | Not stated |
| Max. covered stay outside core territory | 12 monthsPage 60 | 12 monthsPage 60 |
| Mediation limit per case | Not stated | Not stated |
| Mediation limit per year | Not stated | Not stated |
| Own lawyer, court and expert costs | IncludedPage 50 | IncludedPage 50 |
| Opposing party costs (if legally owed) | IncludedPage 51 | IncludedPage 51 |
| Area: Private (Privat) | IncludedSource | IncludedSource |
| Area: Work / employment law (Beruf) | 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 | 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 | 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 |
| Extended / special criminal defence (e.g. StrafrechtPlus) | Not stated | Not stated |
| Traffic disputes as pedestrian / passenger / cyclist (non-owner) | Not stated | Not stated |
| Contract and property law | Not stated | Not stated |
| Claims for damages (Schadenersatz) | Not stated | Not stated |
| Tax law | Not stated | Not stated |
| Social law | Not stated | Not stated |
| Administrative law | Not stated | Not stated |
| Criminal defence | IncludedPage 23 | IncludedPage 23 |
| Regulatory offences / fines (Ordnungswidrigkeiten) | IncludedPage 23 | IncludedPage 23 |
| Rights as victim of a crime (Opferschutz) | IncludedPage 24 | IncludedPage 24 |
| Online purchases and contracts | Not stated | Not stated |
| Copyright / online warning letters (Abmahnung) | Not includedPage 5 | €500 per casePage 26 |
| Cyber-mobbing / online reputation | Not stated | Not stated |
| Identity theft / phishing | Not includedPage 5 | IncludedPage 5 |
| Data protection (GDPR) | Not stated | Not stated |
| Investments / securities | Not stated | Not stated |
| Low-risk financial products | Not stated | Not stated |
| Limited side self-employment | Not stated | Not stated |
| University admission proceedings | Not stated | Not stated |
| Consumer insolvency | Not stated | Not stated |
| Termination agreement (Aufhebungsvertrag) negotiation | €1,500 per casePage 22 | €1,500 per casePage 22 |
| Disciplinary and professional-standards law | Not stated | Not stated |
| Dismissal by employer | Not stated | Not stated |
| Collective labour law | Not stated | Not stated |
| Employer insolvency | Not stated | Not stated |
| Employment discrimination (AGG) | Not stated | Not stated |
| Family law – consultation / extended limit | €250 per yearPage 24 | €250 per yearPage 24 |
| Inheritance law – consultation / limit | Not stated | Not stated |
| Marital / partnership law (incl. divorce) | Not stated | Not stated |
| Inheritance litigation (court) | Not stated | Not stated |
| Maintenance (Unterhalt) | Not stated | Not stated |
| Guardianship proceedings (Betreuungsverfahren) | Not stated | Not stated |
| Powers of attorney / advance directives – consultation | Not stated | Not stated |
| Will drafting / consultation | Not stated | Not stated |
| Partner and children insured | Not stated | Not stated |
| Dependent parents / relatives in need of care | Not stated | Not stated |
| Tenant disputes (Mieter) | Not stated | Not stated |
| Landlord (Vermieter) cover | Not stated | Not stated |
| Owner-occupied home (Eigentümer) | Not stated | Not stated |
| Additional owner-occupied units | Not stated | Not stated |
| Short-term letting (Airbnb) | Not stated | Not stated |
| Photovoltaics / renewable energy installations | Not stated | Not stated |
| Construction disputes (Baurechtsschutz) | Not stated | Not stated |
| Expropriation / planning procedures | Not stated | Not stated |
| Development charges (Erschließung / Anliegerabgaben) | Not stated | Not stated |
| Traffic administrative law (licence matters) | Not stated | Not stated |
| Vehicle purchase / repair contracts | Not stated | Not stated |
| Motor vehicles covered | ||
| Traffic fines / parking | Not stated | Not stated |
| Protection as driver / owner of a motor vehicle | ||
| Water and air vehicles | Not stated | Not stated |
| Interpreter for criminal case abroad | Not stated | Not stated |
| Waiting period – employment disputes | 3 monthsSource | 3 monthsSource |
| Waiting period – contract disputes | 1 monthPage 53 | 1 monthPage 53 |
| Waiting period – housing disputes | 1 monthPage 53 | 1 monthPage 53 |
| Waiting period – traffic | NonePage 53 | NonePage 53 |
| Waiting period – maintenance | Not stated | Not stated |
| Waiting period – inheritance litigation | Not stated | Not stated |
| Waiting period – divorce litigation | Not stated | Not stated |
| Waiting period – university admission | Not stated | Not stated |
| Services available without waiting period | NonePage 53 | NonePage 53 |
| Phone legal adviceService, not legal cover | IncludedPage 6 | IncludedPage 6 |
| 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 includedSource | IncludedSource |
| Mobile lawyerService, not legal cover | Not stated | Not stated |
| Mediation / out-of-court settlementService, not legal cover | 1 × per yearPage 11 | 1 × per yearPage 11 |
| Contract / document checkService, not legal cover | Not includedSource | IncludedSource |
| 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 | IncludedSource | IncludedSource |
| 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 includedPage 56 | Not includedPage 56 |
| 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
DEVK übernimmt die Anwalts- und Gerichtskosten im Versicherungsfall und kann die Rechnung nach erteilter Kostenzusage (Deckungsschutz) direkt begleichen – der Anwalt rechnet dann direkt mit der DEVK ab, sodass keine Vorauszahlung durch den Versicherten nötig ist. Voraussetzung ist, dass vorab eine Deckungsanfrage gestellt und von der DEVK bestätigt wurde.
Territorial scope
Legal protection applies where a court or authority in Europe, the Mediterranean neighbouring states, the Canary Islands or Madeira has or would have jurisdiction; some benefit types (e.g. tax, social and administrative law outside traffic matters, victim protection) are limited to German courts and authorities, and worldwide cover applies for stays abroad of up to one year.
Exclusions
Self-employment turnover threshold exclusion
This 'für Nichtselbstständige' policy can only be taken out or continued if neither the policyholder nor their spouse/registered or other life partner carries on a self-employed, freelance or other independent activity that generated more than €30,000 total turnover in the last calendar year.
SourceSection: 2.4.2 Privat-, Berufs- und Verkehrs-Rechtsschutz für Nichtselbstständige
Dieser Versicherungsschutz kann nur abgeschlossen werden oder bestehen bleiben, wenn Sie oder Ihr ehelicher/eingetragener oder sonstiger Lebenspartner keine selbstständige Tätigkeit ausüben, aus der im letzten Kalenderjahr ein Gesamtjahresumsatz von über 30.000 Euro erzielt wurde.
Where to buy
Listed alphabetically by seller. The order does not depend on whether Boleron earns anything from a sale.
Documents
Policy specifics
Unlimited coverage limit for legal expenses
DEVK's legal expenses insurance for non-self-employed persons offers an unlimited sum insured in both the Komfort and Premium tiers, though certain specific benefits within the tariff may carry their own capped limits.
SourceSection: Versicherte Leistungen
Versicherungssumme unbegrenzt unbegrenzt
Worldwide coverage for stays abroad (up to one year)
Legal protection extends worldwide during stays abroad of up to one year, with the sum insured for this worldwide cover capped at €500,000 in both tiers.
SourceSection: Versicherte Leistungen
Versicherungssumme für die weltweite Deckung | 500.000 € | 500.000 €
Standard deductible (self-participation)
Customers choose a deductible of €150 or €250 per claim; the 'clever' service tariff variants fix the deductible at €150.
SourceSection: Selbstbeteiligung
150 Euro 250 Euro 150 Euro bei Komfort clever bzw. Premium clever
Pre-notification requirement for 'clever' tariffs
In the Komfort clever / Premium clever variants, the policyholder must report the claim before instructing a lawyer in order to keep the €150 deductible.
SourceSection: Einfach clever: mit Service-Tarif bis zu 15 % im Rechtsschutz sparen
Melden Sie uns den Versicherungsfall nicht vor Beauftragung einer Rechtsanwältin oder eines Rechtsanwalts, erhöht sich die Selbstbeteiligung für diesen Versicherungsfall auf 300 Euro.
No deductible when the case is settled after a consultation
The agreed deductible does not apply if a claim is resolved after a consultation, and is never charged for telephone advice, online advice or mediation.
SourceSection: 2.1.2 Verkehrs-Rechtsschutz (Komfort-Schutz bzw. Komfort clever)
Die eventuell vereinbarte Selbstbeteiligung entfällt, wenn ein Versicherungsfall nach einer Beratung erledigt ist.
Selectable life-area modules
The private area (Privat) is the base of this product line; the work area (Beruf), traffic area (Verkehr) and housing area (Wohnen) are sold as selectable combinations (e.g. 'Privat- und Berufs-Rechtsschutz', 'Privat-, Berufs- und Verkehrs-Rechtsschutz', or a stand-alone 'Verkehrs-Rechtsschutz'), each available in Komfort or Premium tier.
SourceSection: Leistungen Rechtsschutzversicherung: für jeden Bedarf das richtige Absicherungspaket
Rechtsschutzversicherung Privat inkl. Wohnen + Beruf (ohne Verkehr)
Notfallvorsorge-Schutz (preventive-care advice)
A brokered telephone legal consultation (plus registration support in the Central Register of Preventive Arrangements) is provided on request for drawing up a power of attorney, care directive, living will or will, without charging the deductible.
SourcePage 24Section: 2.3.1 Privat-Rechtsschutz (Komfort-Schutz bzw. Komfort clever) > Notfallvorsorge-Schutz
Bei Vorliegen eines Beratungsbedarfs zur Erstellung oder Änderung einer Vorsorgevollmacht, Betreuungs- oder Patientenverfügung vermitteln wir Ihnen auf Wunsch eine telefonische Rechtsberatung
Sources
- medien.devk.dehttps://medien.devk.de/assets/content/download/produkte/rechtsschutz/devk-rs-kundeninfo-50071-2024-12.pdf(opens in a new tab)
- medien.devk.dehttps://medien.devk.de/assets/content/download/produkte/rechtsschutz/devk-rs-kundeninfo-50071-2024-12.pdf#page=24(opens in a new tab)
- medien.devk.dehttps://medien.devk.de/assets/content/download/produkte/rechtsschutz/devk-rs-kundeninfo-50080-2024-12.pdf?versionId=Nptu.U8NeILothWWMYXhQYCmAtASmIEA(opens in a new tab)
- devk.dehttps://www.devk.de/media/content/download/produkte/rechtsschutz/DEVK-RS-Kundeninfo-50080-2024-05.pdf(opens in a new tab)
- devk.dehttps://www.devk.de/produkte/rechtsschutzversicherung/(opens in a new tab)
- devk.dehttps://www.devk.de/recht(opens in a new tab)
DEVK Legal expenses insurance