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2.4 Conditions for the entitlement to cover, Legal Expenses Insurance, Basis
Clause 2.4, Conditions for the entitlement to cover, from Legal Expenses Insurance, Basis, ARB WRS Basis (1-2025nam).
German law applies; only the German wording is binding.
This English text is a courtesy so you can read what you buy, not a contract document.
Where the two differ, the German text decides:
You are entitled to cover if an insured event has occurred. You have this entitlement, however, only if the insured event occurred after the start of cover and before its end. The insured event is:
2.4.1 In damages legal expenses cover, the first event in which the damage occurred or is alleged to have occurred.
2.4.2 In criminal legal expenses cover and in regulatory offences legal expenses cover, the point in time at which the offence alleged was committed or is alleged to have been committed.
2.4.3 Unless otherwise provided, the point in time at which you or another person (for example the opponent or a third party) infringed or is alleged to have infringed legal duties or legal provisions.
2.4.4 If your insured event extends over a period of time, its beginning is decisive.
2.4.5 If several insured events are the cause of your entitlement to cover, the first is decisive. If this first insured event occurs within the term of the contract, you receive cover. If this first insured event occurred before the start of the contract, you have no entitlement to cover. In your favour, insured events that occurred more than one year before the start of cover are disregarded.
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