3.1 Exclusions in time, Legal Expenses Insurance, Premium

3.1.1 You have no cover if an insured event occurred within the waiting period. In the following types of cover, a waiting period of three months after inception of the insurance applies:  rental and property legal expenses cover German law applies to the contract. The German wording of the conditions alone is binding; this translation is provided for understanding only. The waiting period does not apply if a similar contract existed with another company for the same risk and the new contractual relationship follows on from the end of the previous contract without a gap. This also applies if you were co-insured under a contract of your parents or of your spouse, registered civil partner or other partner.

3.1.2 In the following cases you likewise have no cover:

3.1.2.1 The insured event does lie after the start of cover. It was, however, preceded by your having, before inception of the insurance,  made an application to an authority (example: accident report to an employers' liability insurance association, reissue of a driving licence),  made an application for benefits under another insurance contract (example: claim to an occupational disability pension or an accident disability benefit),  exercised a right of cancellation, and the insured event is connected with the termination of the cancelled contract (example: you gave notice on a tenancy and after inception of the insurance there is a dispute about the deposit or cosmetic repairs). In your favour, applications and cancellations made or exercised more than one year before the start of cover are disregarded.

3.1.2.2: same wording in Legal Basis, clause 3.1