What is the best legal protection on the market?

A dispute with a mechanic, a product purchased online but never received, a dispute between a landlord and a tenant… These are all situations in which legal protection . However, how can you find the best legal protection on the market? What criteria should you consider? What are the exclusions from legal protection insurance? Expert answers and advice!

What is legal protection insurance for?

Legal protection insurance provides you with comprehensive assistance in the event of a dispute with a third party, including:

coverage of your legal costs and other legal fees ( lawyer’s fees , bailiff’s fees, etc.),

the provision of a legal team able to provide you with all useful legal information concerning your rights and obligations,

assistance in finding an amicable solution to resolve the dispute without having to go to court.

Legal protection insurance is essential both to defend yourself if you are sued and to sue a third party to recover your losses! The legal protection provided by your bank card is often very limited.

What criteria should be taken into account when choosing the best legal protection?

Here are some criteria to take into consideration in order to choose the best legal protection on the market according to your profile:

Scope of coverage and coverage areas : Check the coverage areas of legal protection to ensure it covers your specific needs. For example, if you are a landlord, make sure the policy covers you in the event of a dispute with your tenant.

possible exclusions of guarantees : this involves finding legal protection capable of covering your real needs in legal matters, and therefore knowing in advance the exclusions of guarantees applied by each insurer,

the price: particularly with regard to the balance of guarantees and variable price between insurers. The guarantees must cover the problems that you might encounter in your everyday life,

the quality and responsiveness of the insurer’s customer service : your legal protection must simplify your access to a qualified legal team capable of quickly providing you with any legal information you are looking for, but not all insurers guarantee the same quality of legal assistance,

the waiting period : serving as an indicator of the effective date of the contract (legal protection with immediate effect having no waiting period). For example, a waiting period (during which you will not be able to claim the guarantees) of 24 months may be imposed in the event of divorce, another of 6 months for inheritances,

compensation limits : an insurer cannot cover your lawyer’s fees or other legal costs without limit, so it is essential to compare the compensation limits applied by the different insurers on the market.

Before finalizing any subscription, carefully review the terms and conditions of your chosen policy, which are generally freely available online. Once you have subscribed and submitted your supporting documents (ID, bank details, etc.), you will receive your contract and the specific terms and conditions.

Personal legal protection is not mandatory! It is only recommended, and available for just a few euros per month.