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Legal Expenses Insurance, Basis

ARB WRS Basis (1-2025nam), risk carrier Württembergische Versicherung AG. 43 clauses, each in full on a page of its own, so you can link to a single number instead of sending a whole PDF. The complete document in one piece is the PDF.

German law applies; only the German wording is binding. This English text is a courtesy so that you can read what you are buying. It is not a contract document. Where the two differ, the German text decides: the German wording of Legal Expenses Insurance, Basis.

Contents

• 2 What legal expenses cover do you have? (A), Basis
• 2.1 Who and what is insured? (A), Legal Basis
• 2.1.1 Insured areas of life (A), Legal Basis
• 2.1.2 Co-insurance (A), Legal Basis
• 2.2 In which areas of law are you insured (types of cover)? (A), Legal Basis
• 2.2.1 Damages legal expenses cover (V), Basis
• 2.2.2 Administrative legal expenses cover in traffic matters (V), Basis
• 2.2.3 Criminal legal expenses cover (V), Basis
• 2.2.4 Regulatory offences legal expenses cover (V), Basis
• 2.2.5 Legal advice by telephone (A), Basis
• 2.3 Scope of benefits (A), Legal Basis
• 2.3.1 Scope of benefits in Germany (A), Legal Basis
• 2.3.1.3 For traffic legal expenses cover the following applies (V):, Basis
• 2.3.2 Scope of benefits abroad (A), Legal Basis
• 2.3.2.2 For traffic legal expenses cover the following applies (V):, Basis
• 2.3.3 In addition, we provide the following in Germany and abroad:, Legal Basis
• 2.4 Conditions for the entitlement to cover, Legal Basis
• 3 What is not insured? (A), Legal Basis
• 3.1 Exclusions in time, Legal Basis
• 3.2 Exclusions as to content, Legal Basis
• 3.3 Limitation of our obligation to pay, Legal Basis
• 4 What must you observe? (A), Legal Basis
• 4.1 Conduct in the insured event, fulfilment of duties, Legal Basis
• 4.2 Further special rules of conduct and duties in traffic legal expenses cover (V), Basis
• 5.1 Where you have cover, Legal Basis
• 5.2 Where you have cover with restrictions, Legal Basis
• 6.1 Start of cover, Legal Basis
• 6.2 Duration and end of the contract, Legal Basis
• 7.1 Payment of premiums, Legal Basis
• 7.2 Insurance year, Legal Basis
• 7.3 Insurance tax, Legal Basis
• 7.4 Payment and consequences of late payment, first premium, Legal Basis
• 7.4.3 Rescission, Legal Basis
• 7.5 Payment and consequences of late payment, subsequent premium, Legal Basis
• 7.6 Timely payment under a SEPA direct debit mandate, Legal Basis
• 7.7 Premium on early termination of the contract, Legal Basis
• 7.8 Premium adjustment, Legal Basis
• 7.9 Change in material circumstances on which the premium is based, Legal Basis
• 8.1 Statutory limitation, Legal Basis
• 8.2 Limitation is suspended, Legal Basis
• 9.1 Applicable law, Legal Basis
• 9.2 Actions against the insurance company, Legal Basis
• 9.3 Actions against the policyholder, Legal Basis