Legal Protection FAQ: Important information explained simply

Let's start speaking plainly.

Legal expenses insurance FAQ

Am I legally protected during an internship abroad?

For an internship abroad, I recommend travel legal protection. You need to make sure that the maximum travel duration specified in the policy is suitable for your planned stay abroad.

Will legal expenses insurance for students also help me if I have already submitted a BAföG application?

There is usually a waiting period for administrative legal protection coverage. This is individually regulated in the policy terms. Therefore, if you have already submitted an application, you cannot retroactively obtain this coverage.

Can I choose my own legal expenses lawyer?

Legal protection helps you enforce your rights with a lawyer of your choice. You should definitely keep this in mind when choosing a suitable policy.

Am I insured in the event of disputes concerning my rental agreement? Or in the event of a dispute over the security deposit?

For this to work, you need legal expenses insurance that includes real estate legal protection. You should specify this directly when searching for a suitable policy.

When I drive, I use my parents' car. Does legal expenses insurance cover traffic-related matters in this case?

Yes, as a rule, you are covered by insurance as a driver of someone else's vehicle. Check if this is stated in the terms and conditions of your policy.

I work freelance as a journalist alongside my studies. Does employment law insurance also cover this activity?

You usually need to insure self-employed activities separately, or select this topic directly when choosing your tariff.

Does the insurance also apply during a stay abroad?

Yes, legal protection is generally valid worldwide for up to two years, and even indefinitely within Europe. However, the terms and conditions can vary from policy to policy.

I am a student in a dual study program, meaning I have a training contract with a company and am enrolled at a state-run university (Berufsakademie). Does student legal protection apply to me?

Yes, a student rate should suit you, but it makes sense to double-check this directly with the insurance company before signing the contract.

What does administrative legal protection for traffic law include?

Administrative legal protection for traffic-related matters supports you in the event of disputes before traffic authorities or courts. For example, when it comes to regaining a revoked driver's license.

Why can I take out the insurance with or without legal protection for tenants?

The option to remove legal protection for tenants is aimed primarily at students who still live with their parents.

Which vehicles are covered by legal expenses insurance for traffic damage claims?

Legal protection for asserting one's own claims for damages exists for the policyholder as owner, keeper and driver of all vehicles registered to him (excluding aircraft and watercraft).

What is the maximum insurance coverage in the event of a claim?

The sum insured in the event of damage varies depending on the insurance company.

Do I have to pay the lawyer myself first and will the money then be refunded, or does the insurance company pay immediately?

In the event of a claim, contact your insurance company first before hiring a lawyer. Explain your situation and find out if your case is covered. Once you have received confirmation of coverage, you can submit your lawyer's bill.

Does my legal expenses insurance also cover disputes unrelated to my studies, i.e., disputes concerning private contracts?

Insurance coverage exists only in the case of disputes with the bank regarding a student loan and with the (private) university.

I'm a high school graduate. Does employment legal protection apply to me?

Further FAQs:

As a high school graduate, you are generally entitled to all insurance benefits.

Which internships are considered relevant within the context of insurance?

Generally speaking, all internships during your studies are considered beneficial.

What is meant by deductible?

The deductible is the amount that the policyholder must pay themselves in the event of a claim. Costs exceeding this amount are covered by the insurance company.

Why does a student actually need legal expenses insurance?

Like everyone else, students are exposed to legal risks: at university, in part-time jobs, and in their private lives. As a student, you usually come out on the losing end. The costs for lawyers and court proceedings, expert opinions and witnesses, translators, and other fees are, in most cases, unaffordable for students. Furthermore, legal disputes are very time-consuming, detracting from your studies. Student legal protection allows students to learn about their rights and options and, if necessary, enforce them in court. The costs are covered by ERGO Leistungsservice GmbH. A lawyer handles the case, allowing students to focus on what's most important: their studies.

Are you already informed?

You don't need any more information and would like to order your legal expenses insurance for students directly online? Then you are just one click away from the tariff overview.

Regarding the tariffs