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3.1 Exclusions in time, Legal Expenses Insurance, Basis Plus
Clause 3.1, Exclusions in time, from Legal Expenses Insurance, Basis Plus, ARB WRS Basis Plus (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:
3.1.1 You have cover for insured events without any waiting period being taken into account.
3.1.2 In the following cases you have no cover:
3.1.2.1 The insured event does occur after the start of cover. It was, however, preceded by your having, before the start of the insurance, made an application to an authority (example: report of an accident to an employers' liability insurance association, reissue of a driving licence), made a claim for benefits under another insurance contract (example: claim to an occupational disability pension or to an accident disability benefit), exercised a right of cancellation, and the insured event is connected with the termination of the cancelled contract (example: you have cancelled a boat hire contract and after the start of the insurance there is a dispute about the deposit). In your favour, applications and cancellations made or exercised more than one year before the start of cover are disregarded.
3.1.2.2 You report an insured event to us but, at that time, you have no longer been insured with us for the area concerned for more than three years.
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