Civil legal protection
What happens if your new computer starts causing problems the week after you bought it but the seller refuses to rectify the problems under the warranty? Or your employer refuses to compensate or pay for overtime that you were requested to work? Legal disputes can arise faster than you’d think, and asserting your rights can be difficult and sometimes very expensive in certain circumstances. It is in cases like this that civil legal expenses insurance comes to your aid, as well as in other situations such as disputes with your landlord or neighbours.
Transportation legal protection
Imagine your vehicle is damaged in a rear-end collision for which you are not at fault, but the liability insurance of the person who caused the accident refuses to pay the damages you are entitled to. Or you are accused of having caused the accident yourself, the police charge you and administrative proceedings (confiscation of your driving licence) are launched against you. In these and in many other cases, you can count on the protection offered by your transportation legal protection insurance. Among other things, this type of insurance provides assistance with compensation claims related to vehicle purchases, leases, hires and repairs as well as with your defence in criminal proceedings.
Internet legal protection
The world wide web offers a wealth of possibilities. You can do your shopping online and order goods from anywhere in the world. The same is true for banking. You can stay in touch with friends via social media. But what happens if the TV you ordered isn't delivered? Or you find purchases on your credit card statement you didn't make? What if someone insults or threatens you on Facebook, or hacks your e-mail account and sends e-mails in your name? These are exactly the type of cases in which internet legal expenses insurance can help. It will support you in the reversal of sales contracts or the deletion of data online that harm your personal rights, for instance.