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Legal expenses insurance · ADVOCARD 360°-PRIVAT
A dispute with your employer, your landlord, or in traffic can get expensive long before a verdict is reached. ADVOCARD legal expenses insurance covers lawyers, court, and expert witnesses and puts legal advice at your side around the clock. So you can assert your rights without worrying about the money.
01 · The risk
A termination notice, a traffic fine, a dispute over the utility bill: getting justice costs time, nerves, and above all money. Lawyer, court, and expert fees add up quickly, often to several thousand euros, before it is even clear who will win in the end. Good legal expenses insurance takes exactly this risk off your shoulders.
Important: without legal expenses insurance, many people caught in a dispute weigh whether going to a lawyer is even worth it. With the right coverage, you make that decision freely, because the costs do not end up on your shoulders.
02 · The benefits
With the “ADVOCARD 360°-PRIVAT” package, you bundle exactly the areas that fit your life. On top come services that help long before an annoyance turns into a legal dispute.
Private legal protection
Protection for the many small and large conflicts of private life, from purchase contracts to damage claims.
Employment legal protection
When things go wrong in your working life, you are not on your own – from termination to disputes over pay.
Traffic legal protection
Protection in every role around your car – as driver, registered keeper, owner, passenger, or pedestrian.
Housing legal protection
For tenants and owners: protection in disputes around your apartment, house, or property.
Internet & identity
Internet legal protection and identity protection for when online trouble turns into a real problem.
Advice & prevention
Many issues can be settled before they turn into a conflict – with advice and preventive help with documents.
If you switch from another provider, gap coverage (Differenzdeckung) ensures a seamless transition: your protection continues without interruption, even if ADVOCARD covers more than your old policy did.
03 · Example cases
Example situations from everyday life. They show what you would be left to pay without coverage, and what ADVOCARD takes over.
04 · Your advantage
The greatest value of good legal expenses insurance often lies not in the courtroom, but before it. Unlimited coverage in Europe takes away the fear of costs. And around-the-clock advice helps you resolve many conflicts before they ever escalate.
On top of that, identity protection keeps you safe online, and the document generator helps you draw up key documents such as a living will and power of attorney with legal certainty.
This protection is also built into Generali's Vermögenssicherungspolice (all-in-one property & liability policy), which bundles several lines of insurance in one contract and, depending on the modules, earns you a customer bonus of up to 25 %.
05 · Who it's for
At work, your livelihood can be at stake quickly. With employment legal protection, you are not on your own when facing termination, a warning letter, or a dispute over pay.
Whether it's a dispute over utility bills, with neighbors, or over an online purchase: in a family's everyday life, the occasions where legal protection helps quickly add up.
An accident or a fine notice can happen to anyone. Traffic legal protection applies from day one, with no waiting period. For 18- to 27-year-olds, Young & Law offers an affordable entry plan that grows with you automatically.
06 · Frequently asked questions
With the “ADVOCARD 360°-PRIVAT” package, you bundle the areas of private life, work, traffic, and housing. Covered are, among other things, damage claims, employment and rental disputes, traffic administrative offenses, internet and identity protection, plus legal advice around the clock. Coverage per case is unlimited in Europe and up to 1 million € outside Europe.
As a rule, a waiting period of 3 months applies. There is no waiting period for damage claims, for traffic criminal and administrative-offense law, or for legal advice. For divorce and related matters, the waiting period is one year.
It ensures a seamless switch. When you move from a previous policy to ADVOCARD, your protection continues without any gap, even if the new policy covers more than the old one. That way, switching providers creates no risk from a coverage gap.
Yes. You get telephone and online legal advice around the clock plus preventive advice from a lawyer worth up to 1.000 € per year, even without an active legal case. Many questions can be resolved this way before a dispute ever arises.
The premium depends on the modules you choose, your life situation, and the agreed deductible. That is why I do not quote a flat price. We go through your needs together and put together exactly the coverage that fits you.
Your next step
We go through your situation together and put together exactly the modules you really need. Free of charge, without obligation, in person in Lüdenscheid or via video.
Example benefits and claims scenarios (as of 2026), simplified and rounded. Solely the insurance terms and tariffs of ADVOCARD Rechtsschutzversicherung AG are authoritative. Your specific coverage is defined by your insurance policy. Eduard Strekert is a financial advisor for Deutsche Vermögensberatung AG (DVAG), tied agent, and acts as an insurance intermediary under Sec. 34d GewO (German Trade Regulation). This page is non-binding information and does not replace individual advice.
Free of charge and without obligation. I will get back to you personally to confirm.
