Compare modules and prices on Check24 or Verivox — both show tariffs from dozens of insurers per module. The rule: tailor the package to your real risks, not the full package. For employees the work module is almost always the most important.
Legal Insurance: Do You Need It
Legal insurance is built from modules: traffic, work, tenancy/home, private. Take the ones with real risk of costly disputes — paying for everything makes no sense.
✓ Verified: 18/07/2026
WHAT TO DO
› Details and tips
👨🏻💻
Max recommends:
I took work + traffic + private, but no tenancy — I live in my own flat, no one to dispute with. That made the premium a third cheaper for the cover I actually need.
👩🏼💼
Lea recommends:
Look not only at price but at the coverage sum and whether mediation is included: a good tariff also covers out-of-court settlement, which often resolves the dispute without court.
FREQUENTLY ASKED QUESTIONS
Who really needs legal insurance? ▾
Employees (employment disputes are the most frequent and costly case), tenants in tense relationships and car owners. For singles without a car and a peaceful tenancy, private cover or none often suffices.
Is it true you should not buy it just in case? ▾
Rather the opposite with real risk: a dismissal case easily costs 3000–5000 €, and the policy repays that in one case. But paying for risk-free modules is wasted money.
Does it cover a dispute already underway? ▾
No: it does not cover what was brewing or happened before signing and before the waiting period ends. Take it out early, not when the conflict is at the door.