2.3.1 Scope of benefits in Germany (A), Legal Expenses Insurance, Basis Plus

2.3.1.1 To enable you to resolve a conflict by agreement, we bear the reasonable costs, up to 10,000 euros per mediation, of a mediator proposed by us. (Mediation is a confidential and structured procedure in which parties, with the help of a mediator, voluntarily and on their own responsibility seek to resolve their conflict by agreement.) The mediation may take place with the parties present, by telephone or also online. If persons who are not insured take part in the mediation, we bear the share of the costs attributable to you and to co-insured persons. (Example: you and your spouse have a conflict with a third party. The costs of the mediator are divided equally between the parties. We bear the costs attributable to you and your spouse. The third party must pay their share of the costs, that is, 50 per cent, themselves.) We are not responsible for the work of the mediator. The risk exclusions under clause 3.2 do not apply.

2.3.1.2 The fees of a lawyer who represents your interests. (If you instruct more than one lawyer, we do not bear the additional costs this causes. Nor do we bear additional costs caused by a change of lawyer.) We reimburse at most the statutory fees of a lawyer who is or would be based at the place of the competent court. The statutory fees are governed by the German Lawyers' Remuneration Act (RVG). We also bear the travel costs and absence allowances for a visit to you by the lawyer acting for you up to a distance of 100 kilometres, where the visit is necessary because of special circumstances (mobile lawyer: for example in the case of illness, accident, being indispensable at work). We reimburse the travel costs and absence allowances up to the rates applicable to business trips of German lawyers. German law applies to the contract. The German wording of the conditions alone is binding; this translation is provided for understanding only. Do you live more than 100 km in a straight line from the competent court? Then we bear further lawyer's costs, namely up to the statutory fees of a lawyer who only conducts the correspondence with the lawyer at the place of the competent court (a so called correspondence lawyer). Alternatively we bear, in the same amount, travel costs and absence allowances of the lawyer acting for you. This applies only to the first instance. Exception: in criminal and regulatory offences legal expenses cover we do not bear these further costs. Do you live more than 50 kilometres in a straight line from the competent court? Then, in your court dispute, we additionally bear the necessary travel costs actually incurred to the competent court if you have to appear there as the accused or as a party. The costs are borne up to the rates applicable to business trips of German lawyers.