The combination that many underestimate

Many people think: "Liability insurance? I have it. Legal expenses insurance? I don't need it."
💡 Harsh truth: Cleverly combining both saves money, stress, and hassle . Liability insurance covers damages, legal expenses insurance covers the costs when things get stressful in court or with a claimant.

Private liability insurance – the small legal expenses insurance

• Why the name?
  Liability insurance not only covers the damage itself, but often also legal and defense costs if someone makes unjustified claims against you.

• Examples:

  • Your child knocks over the neighbor's vase – insurance pays compensation and defends against unjustified claims .

  • Dog bites postman – liability insurance steps in and covers costs for damage and defense.

💡 Remember: Private liability insurance is often the first and cheapest line of defense against expensive legal disputes – hence the term “small legal expenses insurance”.

Legal expenses insurance – the big sister

• It covers everything that liability insurance cannot , e.g.:

  • Dispute with landlord or neighbors

  • Contract disputes (purchase, tradesmen, internet providers)

  • Work-related conflicts, if agreed upon separately

• Advantage: You get your lawyer, court fees and expert fees paid without having to pay them out of your own pocket.

💡 Takeaway: Liability insurance = damage protection & basic legal protection, legal expenses insurance = extended, comprehensive legal protection package.

The perfect complement

• Liability + Legal Protection = Comprehensive Protection:

  • Liability insurance covers accidental damage to third parties.

  • Legal protection covers disputes that extend beyond the immediate damage claim.

• Practical examples:

  • Bicycle accident with neighbor: Liability insurance pays for damages, legal expenses insurance clarifies if he makes unjustified higher demands.

  • Craftsman performs work incorrectly: Legal expenses insurance covers the legal dispute for rectification, liability insurance is excluded.

💡 Harsh truth: Those with only liability insurance are often at a disadvantage in serious disputes. Those with only legal expenses insurance don't cover everyday damages .

Conclusion: The combination is the way to go

• Liability insurance = a small shield against damage claims and initial legal disputes

• Legal protection = a large protective shield for everything beyond that

• Kombi = All-inclusive package that protects you from expensive surprises

💡 Final thought: Those who are clever rely on both : liability insurance for everyday mishaps, legal protection for serious conflicts.