Best Legal Insurance in Germany (ultimate guide)

Andreia Ferreira
by Andreia Ferreira
Updated on

If you’re considering purchasing legal insurance in Germany, we know figuring out the best option for you and how it works can get confusing.

There are several insurance providers to choose from, the conditions can be challenging to understand, and sometimes there isn’t even information in English.

Which, for an expat like you, can make everything ten times more complicated. 

Worry not, we got you.

In this comprehensive guide, we’ll walk you through the options for the best legal insurance (Germany), comparing what 5 insurance companies bring to the table.

We’ll take a closer look at the legal insurance plans from ARAG, HUK-COBURG, Allianz, Getsafe, and Feather.

We’ll also answer all your questions about what may be the best legal insurance in Germany and share with you some important things to keep in mind while choosing legal insurance in Germany.

Let’s dive right in!

Comparison Table

As you know, life is full of surprises. Legal insurance in Germany can be a very powerful resource in protecting you from unexpected legal disputes and high legal fees arising from every sphere of life.

Good legal insurance covers expensive legal costs arising from legal issues related to your private and professional life.

This includes lawyer fees and court costs that without legal insurance can amount to hundreds of euros.

In this next table, we’ll compare the main features of five legal insurance companies.

It’s certainly not easy to synthesize all the information in one table, considering the number of variables involved in the insurance policies.

The cost of your legal insurance policy depends on factors such as your professional and civil status, the deductible you choose, and the type of coverage you want. 

So, for the purpose of this comparison, the price results are made for an individual who is single, employed in the private sector, choosing a deductible of 300€.

ARAG

HUK-COBURG

ALLIANZ

GETSAFE

FEATHER

Prices (base plan)

22.89€/month

14.92€/month

18.52€/month

18.96€/month

19.95€/month

Deductibles

Base plan - 300€ (fixed) Other plans - 0€-300€

150€ or 300€

0€-1000€

300 € (100€ less each year without a claim)

300 € (100€ less each year without a claim)

Waiting periods

0-6 months

0-3 months

0-3 months

0-6 months

0-6 months

Worldwide protection

Yes, Except base plan

Yes

Yes

Yes

Yes

Amount covered

Unlimited

5 million - Unlimited

Europe: 1M - unlimited Worldwide: 100K-1M

Unlimited

250K-500K

Contract duration

1-5 years

1 year

Not specified

No minimum term (cancel anytime)

1-5 years

Private protection

Included

Included

Included

Included

Included

Professional protection

Optional

Included

Base plan - not included Other plans - included

Included

Included

Traffic protection

Optional

Included

Included

Included

Included

Home protection

Optional

Only as an add-on

Only in more advanced plans

Only as an add-on

Included

Extended private protection (Family, civil partnership and inheritance law)

Divorce and alimony only as add-on; inheritance included in premium

Only in advanced plan, for out-of-court resolutions, up to 1000€

Only in premium, up to 1000€

Only legal advice, up to 2500€ in advanced plan

24h telephone legal advice

Included

Included

Included

Included

Included

English customer support

May be limited

May be limited

May be limited

Included

Included

Choice of lawyer

Included

Included

Included

Included

Included

Which legal insurance is right for you?

The best legal insurance in Germany for you is going to depend on what you’re looking for and what you value the most. As you can imagine, there isn’t one definitive answer, and no one can make the choice for you. 

These are our recommendations based on our analysis of 5 legal insurance companies. 

Best Value for Money

Our pick: HUK-COBURG and Feather

These insurers offer a good range of coverage for affordable prices.

Best for Expats

Our pick: Feather

Feather is a digital company specializing in insurance for expats. Their legal insurance plans have wide coverage, affordable prices, and transparent conditions.

Best Premium Plan

Our pick: Allianz

Allianz offers a value-packed Premium plan, covering a very wide range of legal issues with unlimited maximum coverage.

Best Customer Service in English

Our pick: Getsafe and Feather

Both of these companies offer services in English and the freedom to choose an English-speaking lawyer.

Best for Marriage Protection

Our pick: ARAG

This company is one of the only insurers offering divorce and alimony protection as an extension for all the plans they have. 

Best for Landlords

Our pick: ARAG

ARAG is one of the only insurers offering a specialized legal insurance policy for landlords and building owners, directly included in their Premium plan. 

Best for 60+ individuals

Our pick: HUK-COBURG

This company offers additional protection for people 60+, in legal disputes relating to company pension schemes or retirement benefits.

Best Legal Insurances in Germany 2024

Let’s take a closer look at five legal insurance providers that offer legal insurance in Germany.

1. ARAG

ARAG Legal Insurance

ARAG is a German family-owned legal insurance company founded by Heinrich Faßbender in 1935. The company, active in 19 countries, specializes in legal insurance, and it’s one of the leading legal insurers in the world.

ARAG offers an extensive and customizable tariff offer. Their classic legal insurance has 3 plans: “Base”, “Comfort” and “Premium”.

All the plans have private legal insurance included. Then, you can choose between traffic legal insurance, professional insurance,  and home rental legal insurance.

In the “Base” plan, you have to choose a minimum of 3 covered areas. On the “Comfort” and “Premium” plans, if you want to combine private protection with professional protection, then it’s mandatory to pick at least one more area.

Let’s take a look at ARAG’s plans.

For the purpose of this table, we assume the client is a single-employed individual, choosing a 3-year contract. 

ARAG Legal Insurance

 

Base Plan

Comfort Plan

Premium Plan

Price/Month (w/ 250€ deductible)

26.68€

No deductible: 45.70€

No deductible: 65.01€

250€ deductible: 29.20€

250€ deductible: 41.56€

Deductibles

Fixed 300€ deductible

0€-300€

0€-300€

Waiting Periods

Private: 6 months

Private: 3 months

Private: 3 months

Professional: 6 months

Professional: 3 months

Professional: 3 months

Housing: 6 months

Housing: 3 months

Housing: 3 months

Traffic: No waiting period

Traffic: no waiting period

Traffic: no waiting period

Worldwide protection

No (Only Europe)

Yes

Yes

Amount Covered

Unlimited

Unlimited

Unlimited

Divorce protection

Only as an add-on (3-year waiting per.)

Only as an add-on (3-year waiting per.)

Only as an add-on (3-year waiting per.)

Alimony protection

Only as an add-on (1-year waiting per.)

Only as an add-on (1-year waiting per.)

Included (1-year waiting per.)

Inheritance protection

Included (1-year waiting per.)

Landlord Protection

Included (6-month waiting per.)

Mediation service

Included

Included

Included

24h telephone legal advice

Included

Included

Included

ARAG’s legal insurance offers a lot of flexibility when it comes to deductibles.

You can choose between no deductible, or 150€, 250€, flex 0/150€ or Flex 150€/300€. In the “flex” options, if you choose a lawyer brokered by ARAG, your deductible lowers to 0€ or 150€. 

In each plan of this legal insurer, you can choose additional protection, such as marriage, alimony, or internet protection.

One of ARAG’s most exclusive offers is its landlord protection, which can include disputes with a property management company, for example, rarely available from other insurance companies.

Another highlight is their “legal protection with immediate assistance” product.

This product offers legal assistance with no waiting time and can help with cases that happen before taking out the insurance. However, they can’t help you if you already contacted a lawyer or if legal proceedings are pending. 

The obvious drawback is that the prices for this plan are higher than the classic product and the coverage is limited for out-of-court legal expenses. They also have individual products with immediate assistance for traffic and tenant protection.

Pros

Very wide, unlimited coverage of legal costs with good flexibility for the client.

One of the only insurers that have landlord and inheritance protection integrated into their premium plan.

Possibility to add marriage and alimony protection.

They offer retroactive insurance products with no waiting time, including traffic and tenant protection.

Loyalty bonus after five years of no claims.

Cons

Complicated and sometimes confusing tariff structure.

Limited information in English .

2. HUK-COBURG

HUK-COBURG Legal Insurance

HUK-COBURG is a mutual insurance company founded in 1933. It’s one of Germany’s biggest insurers, with over 10 million clients. 

HUK-COBURG offers two legal protection insurance plans covering the legal costs for personal, professional, and traffic protection. The latter is also available individually for a smaller price.

Home legal protection is not immediately included, but can be added to the package. Home protection includes legal assistance with landlord disputes, for example.

The next table shows the tariff for a single employee, choosing a 300€ deductible.

HUK-COBURG Legal Insurance

 

Personal, Professional, Traffic

Personal, Professional, Traffic PLUS

Price (with 300€ deduc.)

179€/year

223€/year

Deductibles

150€ or 300€

150€ or 300€

Waiting periods

0-3 months

0-3 months

Worldwide protection

Yes

Yes

Amount covered

5 million

Unlimited

Home protection

Only as an add-on

Only as an add-on

Family, civil partnership and inheritance law

Yes, only for out-of-court resolutions, and up to 1000€

24h telephone legal advice

Included

Included

If you choose just the traffic legal protection plan, your yearly costs will be 58,41€ or 78,21€ (Plus plan).

Unlike other insurers, HUK’s payment is made yearly, half-yearly or quarterly.

The deductibles are either 150€ or 300€ and can decrease to 0€ if you stay claims-free for a few years. However, if you make multiple claims within a certain time, the deductible can increase to 550€.

Extended services in their advanced plan include:

  • Advice on protection for private copyright infringements on the Internet
  • Extended legal insurance coverage in connection with a photovoltaic system
  • Mediation in construction matters
  • Mediation in family matters
  • Extended advisory legal protection in family, civil partnership and inheritance law
  • A living will, power of attorney

Pros

No-claims system, where the deductible decreases with every claims-free year.

Waiting times only up to 3 months.

Additional protection for people 60+, in legal disputes relating to company pension schemes or retirement benefits.

Very affordable legal insurance plans.

Cons

Home rental legal insurance is not included in their plans, only as an add-on.

The deductible can increase to 550€ if you make more than one claim.

Limited information in English.

3. ALLIANZ

Allianz Legal Protection Insurance

Allianz is a multinational German insurance company founded in 1890, and based in Munich. 

They offer four legal expenses insurance plans: “Base”, “Smart”, “Comfort”, and “Premium”. 

All offers include a free initial legal consultation, even for uninsured matters, as well as the mediation costs for out-of-court settlements.

Extended private services such as family, civil partnership, and inheritance law are available on the premium plan, but only up to 1000€. 

In this next table, we assume the client is a single employed individual, choosing the 300€ deductible. 

Allianz Legal Insurance

 

Base Plan

Smart Plan

Comfort Plan

Premium Plan

Price/Month (with 300€ deduc.)

18.52 €

23.37 €

28.81 €

48.97 €

Deductibles

0€-1000€

0€-1000€

0€-1000€

0€-1000€

Waiting time - General

3 months

3 months

3 months

3 months

Waiting time - Traffic

No waiting time

No waiting time

No waiting time

No waiting time

Worldwide protection

Yes

Yes

Yes

Yes

Amount covered (Europe)

1 million

3 million

5 million

Unlimited

Amount covered (worldwide)

100,000€

300,000€

500,000€

1 million

Private legal insurance

Included

Included

Included

Included

Traffic legal insurance

Included

Included

Included

Included

Professional legal insurance

Included

Included

Included

Housing legal insurance

Included

Included

Extended private services such as family, civil partnership and inheritance law (up to 1000€)

Included

Landlord protection

Only as an add-on

Only as an add-on

Only as an add-on

Only as an add-on

24h telephone legal advice

Included

Included

Included

Included

As we can see, the basic legal insurance policy only includes private and traffic legal protection, leaving out professional and home rental legal insurance. Besides family law assistance, they also offer landlord protection, but only as an additional option.

Allianz offers a flexible deductible scheme, where you can select between 0, 150, 300, 500, and 1,000 €.

The general waiting time is 3 months, except for traffic insurance, which has no waiting time. 

Pros

Very flexible deductible structure.

Premium plan with a very wide, inclusive legal insurance coverage.

Useful additions such as landlord legal insurance.

Free initial consultation.

Discount if you make no claims during 3 years.

Cons

The “Base” plan is very limited, only including private and traffic protection.

Limited protection for family and inheritance law.

4. Getsafe

Getsafe Legal Protection Insurance

Getsafe is a digital insurance company founded in 2015 by Christian Wiens and Marius Simon.

As an alternative to traditional companies, they replace manual paperwork with a simple, intuitive digital platform. They also offer services in English.

Getsafe has one simple legal insurance plan – “Getsafe Comfort” – which includes the private, professional, and traffic sectors.

Home Protection can be added to the package for an extra 3,22€ a month. They also offer an extension for criminal law protection, for an extra 2,20€/month.  

Getsafe Legal Protection Insurance (Comfort Plan)

Price/Month

18.96€

Deductibles

300€ (first year) up to 0€ if claim-free for 4 years

Waiting period

0-6 months

Worldwide protection

Yes

Amount Covered

Unlimited

Private protection

Yes

Professional protection

Yes

Traffic protection

Yes

Home protection

Only as an add-on (+3.22€)

Criminal legal protection

Only as an add-on (+2.20€)

Family, civil partnership and inheritance law

24h telephone legal advice

Yes

English service

Yes

Getsafe is very transparent with its legal insurance offer, and unlike other legal insurance plans from other companies, you can cancel your contract at any time.

Another perk is the possibility of choosing an English-speaking lawyer. The professional advice of a lawyer who can easily communicate with you is invaluable.

Pros

Simple, intuitive, and transparent digital platform (in English).

Freedom to choose an English-speaking lawyer.

Unlimited maximum cover.

Cancelation at any time.

Self-employment covered up to 17,500€.

Deductibles are reduced by 100€ each year without a claim.

Cons

No coverage for divorce, family, civil partnership, and inheritance law.

Deductibles can increase up to 500€ after a claim.

Waiting times are up to 6 months.

5. Feather

Feather Legal Insurance

Feather is a 100% digital insurer, specializing in providing insurance services to expats in Germany.

The company was founded in 2018 by Rob Schumacher and Vincent Audoire after both struggled to navigate the insurance system, including legal insurance, in Germany.

Feather offers two simple legal insurance plans, “Basic” and “Advanced”. The prices shown are for a single employed individual. 

Feather Legal Insurance

Basic Plan

Advanced Plan

Price/Month

19.95€

35€

Deductibles

300€ (first year) up to 0€ if claim-free for 4 years

300€ (first year) up to 0€ if claim-free for 4 years

Waiting period

0-6 months

0-3 months

Worldwide protection

Yes

Yes

Amount Covered

250,000€

500,000€

Private legal insurance

Yes

Yes

Professional Legal insurance

Yes

Yes

Traffic legal insurance

Yes

Yes

Home legal insurance

Yes

Yes

Family and inheritance law (legal advice)

Up to 250€

Up to 2,500€

Both plans cover the 4 main legal insurance areas, up to 500,000€ worldwide in the advanced premium. They also cover legal advice for family and inheritance law up to 2,500€.

Pros

Initial legal consultation with an expert.

Both plans cover all four main areas.

Lawyer recommendation, including English-speaking lawyers.

1-month cancelation period.

Many areas of law are effective immediately in the advanced plan.

Cons

Deductibles can increase up to 500€ after a claim.

Full policy only available in German.

Things To Keep In Mind While Choosing A Legal Insurance in Germany

There are a few things that you should be on the lookout for if you want to buy legal insurance in Germany for yourself.

Legal insurance works just like other types of insurance (liability insurance, health insurance, or car insurance, for example) and can be a huge money-saver.

Legal insurance helps you feel empowered to seek justice when legal issues arise, so make sure you are well-informed about everything.

Most Common Legal Insurance Types

Make sure you choose legal insurance that can cover all or most of these areas:

  • Private Legal Insurance: this covers legal disputes with administrative entities, such as the German tax office (you may disagree with a tax assessment for the tax office, for example); consumer protection; legal issues with a private purchase contract (if you receive a defective product, for eg.); issues with private contracts (energy company or gym, for eg.); travel; home reparations; and several other private matters that require legal assistance.
  • Employment legal insurance: this can cover a legal dispute with your boss, and legal issues pertaining to unfair termination, workplace discrimination, negotiating severance packages, and any professional German law violation.
  • Home rental legal insurance: this covers legal expenses related to legal disputes with a landlord, rent increases, eviction proceedings, noise complaints, and property disputes.
  • Traffic legal insurance: this covers legal conflicts that may arise with traffic accidents, parking ticket disputes, and license suspension appeals.

Most legal insurances cover these four areas, paying for legal expenses such as attorney fees, court fees, witness and translation costs are covered by legal insurance.

Important

Be aware that basic legal insurance plans don’t typically cover legal issues pertaining to divorce law.

Waiting Period

Waiting time refers to the amount of time you have to wait after purchasing the insurance before you can make a claim. 

Legal insurance in Germany typically has a waiting time of between 3 to 6 months.

Certain areas have shorter or no waiting time, like traffic insurance, while others can have a much longer period, like divorce or university issues (can go up to 5 years).

Make sure you read your policy well and check for waiting periods. 

Deductibles 

A deductible is a specific amount you have to pay before your legal insurance policy pays for the remaining costs.

Let’s imagine, the legal case you want covered costs a total of 1000€. If you have a deductible of 300€, the insurance provider will pay the remaining 700€.

Deductibles keep your premium costs lower.

Some companies offer flexibility when it comes to deductibles, some even starting at 0€. Always pay attention to the amounts they offer and choose according to your preference.

Contract Period and Coverage Limits

Be aware of the contract period before signing a policy.

Some companies have contracts that can go from 1 to 5 years. In other companies, such as Getsafe, you can cancel at any time you want.

Also, take a look at coverage limits. This is the maximum amount of costs the insurance will pay for your legal case.

Make sure there’s at least 300k-500k coverage. There are also several options with an unlimited maximum cover.  

English customer support 

Legal insurance in Germany can be tricky to navigate for foreigners because of possible language barriers.

Make sure you look for an insurer who has robust customer support, ideally in English.

FAQs

Both Getsafe and Feather offer English-speaking customer service. 

Yes, typically you can choose your own lawyer.

The companies can also make recommendations from their lawyer network to find a professional who specializes in your legal issue.

Typically, the waiting period ranges from 0 to 6 months.

Most cases fall in the 3-month waiting time. Some cases, for example regarding divorce, can have a 3 to 5-year waiting period. 

The average deductible ranges between 150€ and 300€. However, in general, deductibles can go from 0€ to 1000€ depending on the insurance policy.

Conclusion

There isn’t one single best legal insurance in Germany. The best insurance for you is going to depend on your motivations and budget.

As we saw, several insurance providers offer a wide range of coverage for legal issues, including lawyer fees and court costs.

When choosing your insurance policy, make sure you keep in mind certain things, such as deductibles, waiting periods, contract coverage and limitations, and English-speaking service.

You can also talk to an independent insurance broker to help you choose the best insurance for you.  

Andreia Ferreira
Andreia Ferreira
Andreia is our main writer/researcher here at TwoExpats. She does extensive research on the various products we review as well as writing compelling content that is easy to digest by our readers.

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