Legal expenses insurance pays your costs, not the damage
Being right is not enough: you also have to be able to pay the lawyer who will prove it. Against an employer, a landlord, a builder, a seller or a public authority, this is the policy that funds your defence and your claims. What remains is to decide which areas of law you actually want covered, the only question that matters before you look at the premium.
Legal expenses insurance does not repair damage: it pays your costs of enforcing your rights, meaning lawyer, expert, bailiff and court fees. It is not compulsory, and you already own pieces of it, scattered across your motor, home and family liability policies. The Belgian market is organised in three tiers, basic, mid-range and extended, which differ by the areas of law they cover. Two rules decide everything: a dispute already born or latent is never covered, and every area of law has its own waiting period. Finally, the 40 % tax reduction has gone for premiums paid since 1 January 2025, which is a reason to review your cover, not to cancel it on reflex.
3 tiers
Basic, mid-range, extended. What changes from one tier to the next is not the service: it is the areas of law covered.
75–160€
What you already pay every year for the small legal sections scattered across your policies. Usually without knowing it.
300k€
The indemnity limit the best policies reach for claims and defence, far beyond the sections tucked inside your other contracts.
What it does, and what it will never do
One confusion comes up in almost every file: believing that legal expenses insurance pays compensation. It pays none. It funds the fight, not its outcome.
Liability insurance
Pays what you owe to others
Your family liability or motor liability cover compensates the victim when you are liable. It looks outwards: what is insured is your debt towards someone else.
Legal expenses insurance
Pays what being right costs you
It covers your costs: lawyer's fees, expert, bailiff, mediator, court and procedural costs. It is most useful when you are the victim or the claimant, exactly the situation in which a liability policy is of no help.
The simplest test: ask yourself "who is claiming from whom?". If you are the one who has to pay someone, it is liability insurance. If you are the one claiming, or having to defend yourself in court, it is legal expenses insurance.
Three items are never covered, whoever the insurer: the damage itself, fines, criminal settlements and confiscations, and disputes already born or latent. We come back to that last one below, because it is the rule that disappoints most people.
This page deals with private legal expenses insurance. The professional version works on the same mechanisms but covers different matters and different stakes: see our page on legal expenses insurance for the self-employed and SMEs.
Basic, mid-range, extended: what really changes
Every company has its own commercial names and its own breakdown, but the Belgian market always follows the same logic: areas of law are stacked on top of one another. With a given insurer, the level of service, the quality of the in-house lawyers and the limits do not fundamentally change from one tier to the next. What changes is the matters covered.
Area of law covered
Basicthe unforeseen
Mid-range+ contractual
Extended+ assets & family
Defending yourself and claiming
Civil recourse: claiming after damage suffered
✓
✓
✓
Civil defence: when something is claimed from you
✓
✓
✓
Criminal defence and Salduz assistance
✓
✓
✓
Criminal bail, third-party insolvency, advances on funds
✓
✓
✓
Your everyday life
Disputes with your own insurers and your health fund
✓
✓
✓
Post-fire and related perils affecting the home
✓
✓
✓
Neighbour disputes: nuisance suffered noise, smells, smoke, planting, damage caused by the neighbour, not ownership disputes
✓ covered— not coveredoption for an additional premiumvaries depending on the insurer
"Neighbour disputes" does not mean every dispute with a neighbour
This is the most frequent misunderstanding about the table. The neighbour disputes cover in the basic tier is about the nuisance you suffer: noise, smells, smoke, invasive planting, damage caused to your property by the neighbour. It belongs to the law of liability: someone causes you a nuisance, you claim.
Everything touching ownership, by contrast, belongs to property law and only appears in the extended tier: challenging a boundary, boundary setting, an easement or right of way, a party wall, the distance of a hedge or a fence, a building encroaching on your land. And those are precisely the neighbour disputes that drag on and cost money, because they almost always require a surveyor and an expert report.
In other words: if your concern is a boundary or a party wall, a basic tier will not cover you. It is a frequent reason to move up a tier, and a question to ask before signing, not after.
This table is a generalisation, and not entirely one
It summarises the offering of several specialist Belgian insurers to give you a reading grid. No single company matches this breakdown exactly. An area of law that sits in the mid-range tier with one insurer only appears in the extended tier with another; employment law is sometimes included, sometimes sold as a separate module; limits per matter vary by a factor of two, and some companies apply no minimum amount in dispute where others impose one.
In other words: the name of the tier tells you nothing, the table of insured matters tells you everything. That is the table to ask for and read, at every insurer, before comparing two premiums.
The point nobody makes: not every company still sells all three tiers
This is the most important development on the Belgian market, and it appears on no consumer page. The three tiers described above are not available everywhere:
Some companies have stopped selling their extended tier. What is now presented as their top tier is in fact the former mid-range one. The name stayed, the content moved backwards, and a client who renews without re-reading believes they are keeping the same level.
Others sell nothing but extended cover, playing not on the matters covered but on the indemnity limits: two tiers from the same insurer cover the same areas of law, one with significantly higher amounts than the other.
Two very concrete consequences. First, if you are looking to cover succession, tax, a divorce or construction requiring planning permission, the choice narrows to a handful of insurers. It is no longer a budget question, it is a question of availability.
Second, tier and price are no longer correlated from one company to another. An extended tier with moderate limits can cost less than a rich mid-range tier at a competitor, for a significantly wider range of matters. In that context, comparing two premiums without comparing the two tables of cover no longer makes any sense.
The insurers we work with
We consult the companies and the specialist legal expenses units active on the Belgian market. Some do nothing else; others are the legal expenses arm of a generalist group. The distinction matters: the day your dispute is with one of your own insurers, your legal expenses cover had better not depend on that insurer. It is one of the points we check before recommending a policy.
Three parameters, finally, move the premium at identical cover, and deserve to be put on the table before signing: whether or not there is a deductible on lawyer's fees, since a tier with a €500 deductible costs noticeably less than the same one without; the minimum amount in dispute, that is the threshold below which the insurer does not intervene, from zero to a few hundred euros depending on the company; and the indemnity limit per matter, which runs from a few thousand euros for family matters to €150,000 – 300,000 for claims and defence.
You already pay for legal expenses cover. In pieces.
Before taking anything out, open the policies you already have. Three of them almost always carry a legal section, strictly confined to disputes connected with the main policy, and with limits far lower than those of a dedicated contract.
In your motor policy
Recourse against the liable third party and criminal defence after a road accident. It stops at the car door.
In your home policy
Disputes linked to the insured building: neighbours, water damage, the aftermath of a fire. It does not follow a tenant into a dispute about rent.
In your family liability policy
Limited civil recourse, often with a low limit, against whoever caused damage you suffered in private life.
What none of the three covers
Employment, the lease seen from the tenant's side, purchases and works, public authorities, tax, family and succession.
The calculation nobody makes
These sections are almost never itemised on your renewal notice: they are folded into the overall premium of each policy. Here is what they represent, line by line.
€15 – 40
legal section of your family liability policy
€10 – 30
legal section of your home policy
€50 – 90
legal section of your motor policy
Total already paid, every year: €75 to 160
Scattered across your policies
€75 – 160 a year
Three small sections, three different insurers
Each confined to the disputes of its own policy
Low indemnity limits
Nothing for employment, the lease, purchases or tax
Three people to call on the day it goes wrong
instead of
Bundled, basic tier
€90 – 130 a year
One policy with a specialist insurer
Claims, civil defence, criminal defence, neighbours, medical
Limits of €150,000 to 300,000
One point of contact, with dedicated lawyers
Extendable afterwards, matter by matter
This is the most useful finding on this page, and it is counter-intuitive: a separate basic tier costs barely more, sometimes less, than the sum of the sections you already pay for, while being significantly wider and far better covered. There is no need to aim straight at a mid-range or extended tier: simply bundling what you already have into a basic tier with a legal expenses specialist is often worth the exercise.
The gain is practical too. An insurer who does nothing but legal expenses has no conflict of interest when your dispute is with one of your own insurers, which is precisely the case where a section built into your motor or home policy becomes uncomfortable.
And if your situation justifies it, the next step is more accessible than people think: moving from basic to mid-range adds all the everyday contractual ground andemployment law, meaning purchases, works, the lease, the dispute with an employer. For an employee who rents, that is often where the real legal risk of a lifetime sits.
The options: what is not in the base policy
The scope of a private legal expenses policy is your private life and your home. On that point there is no nasty surprise: the home you live in is always covered, whether you own it or rent it. Two categories, however, fall outside the policy and have to be added expressly.
Your other properties
A buy-to-let property, a flat you rent out, a second home, a garage or a plot of land that is not your home are not covered automatically. Each property is insured separately, and the rate depends on its use: private, rented out or business.
Indicative: €70 – 150 per property per year
Your vehicles
Traffic-related legal expenses cover is a separate section: claims after an accident, criminal defence at the wheel, a dispute with a garage or a seller. Some tiers include a first vehicle; the following ones are charged individually, with discounts from three or four vehicles.
Indicative: €40 – 120 per vehicle per year
Good news on that last point: with most specialist insurers, bicycles, electric bikes, trailers and personal mobility devices are covered at no extra premium, and occasionally driving someone else's vehicle is included. Motorised two-wheelers, however, generally count as a vehicle.
Beyond those two items, there is no other option for a private individual to plan for. If a business activity comes into play, whether self-employed, a company or staff on the payroll, you leave the logic of this page for that of professional legal expenses insurance.
The rule that decides everything: the latent dispute
This is reason number one for a refusal, and the biggest source of disappointment. A dispute already born is obviously not insurable. But the rule goes further: a merely latent dispute is just as excluded.
Latent means any disagreement whose underlying facts you already knew when you took out the policy, or which you could reasonably suspect was going to surface. The first letter of formal notice. The crack you have already reported. The rent reminder. The appraisal meeting that went badly. From the moment those facts exist, the dispute that follows will not be taken on, even if it only breaks out officially months later, and even if you genuinely had not imagined it would escalate.
Divorce: only the first divorce occurring after you take out the policy is covered
This is the strictest case of all, and it deserves reading twice. The cover only operates for a first divorce, or a first end of legal cohabitation, occurring after the policy takes effect. An earlier divorce is not covered. Nor is a second divorce.
And above all: anything connected to an earlier divorce stays excluded, with no time limit. Failure to comply with a divorce settlement, revision of maintenance, an application to change the children's living arrangements, the late liquidation of a matrimonial regime: all of these disputes stem from a situation born before the policy. They do not become insurable again with the passing years.
Waiting periods: even with no dispute in sight, you have to wait
A different mechanism, a similar consequence. The waiting period is the time following the start of the policy during which a given matter is not yet covered, even for a wholly unforeseeable dispute. The more foreseeable or expensive a matter is, the longer the period.
Orders of magnitude observed on the Belgian market
Claims, civil and criminal defence
immediate
Disputes with your insurers
immediate
Contracts, purchases, rental
3 – 9 months
Employment law
3 – 12 months
Tax, administrative, succession
12 months
Construction with permission or architect
24 months
First divorce, legal cohabitation
24 – 36 months
Indicative durations, varying by company, to be checked policy by policy. Worth knowing: several insurers waive the waiting period when you arrive from an equivalent policy taken out with a competitor, with no gap in between. It has to be asked for; it is not granted automatically.
The practical conclusion fits in one sentence, and it is the only real piece of advice on this page: you take out legal expenses insurance while everything is fine. If you are building in three years, if you will inherit one day, if your relationship is wobbling, today is when to sign, not when the problem arrives.
A true story
Three thousand euros of tiling, nothing recovered
A couple near Ciney have their bathroom renovated. The tiling comes away six months later. The contractor admits the problem on the phone, promises to come back, then stops answering. The quote to put it right comes to €3,200. Nothing extraordinary, and that is precisely the problem: too much to walk away from, too little to justify advancing a lawyer's fees without knowing whether anything will be recovered.
They had no separate legal expenses policy. Their home insurance did cover "disputes relating to the building", but within the framework of an insured loss such as water damage or a fire, not a contractual dispute with a contractor. That matter starts at the mid-range tier. They gave up. The contractor never paid a thing.
They took out a mid-range tier straight afterwards. Two years later, a dispute with a window supplier: file opened, formal notice sent by the insurer, amicable settlement in six weeks. Cost to them: nothing.
It is not the seriousness of the dispute that decides, it is the ability to carry its cost. Legal expenses insurance does not make you stronger: it stops you giving up.
The tax advantage has gone: a reason to review everything
Between 2019 and 2024, a policy meeting the conditions of the Act of 22 April 2019 gave entitlement to a 40 % tax reduction on the premium. It was the sector's number one selling point. It no longer exists: the Act of 18 December 2025 abolished the advantage, as confirmed by the tax authorities in circular 2026/C/8. Only premiums paid up to 31 December 2024 still gave entitlement to a reduction; for those paid since 1 January 2025 there is nothing to enter in the 2026 tax return.
Be wary of what you will read elsewhere: a large share of Belgian pages still advertise the 40 %. If a comparison site or a broker still mentions it, the information has not been updated.
Should you keep a policy that complies with the 2019 Act?
The question is a fair one, since those policies met a specification whose only reward was a tax one. But the right answer is neither "keep it" nor "cancel it". It is: take the opportunity to review your cover.
Because abolishing the advantage had a considerable side effect. As long as the tax carrot existed, market products were largely built around it. Once the government agreement fell, the companies launched new products, with different tier breakdowns, different matters and different rates. The policy you signed three years ago is no longer necessarily the best cover-to-price ratio on the market, in either direction.
The order in which to ask the questions
This is the heart of the reasoning, and almost everyone takes it the wrong way round. The first question is never "what does it cost". It is "what is my insurable interest".
Step 1
List the areas of law in your current tier
Not the name of the tier: the table of insured matters in your policy schedule. What you actually have, matter by matter.
Step 2
Compare it with what the new products offer
Put the tables side by side. You will quickly see what has been added, what has gone, and what has moved to another tier.
Step 3
Ask what actually concerns you
Owner or tenant? Employee or retired? Works in prospect? A succession on the horizon? A property let out? Every situation activates different matters, and makes others entirely pointless.
Step 4
And only then, look at the premium
The question finally becomes answerable: is this extra cover worth its price? If the answer is no, drop a tier and keep the difference in cover as a risk you carry yourself. That is a deliberate trade-off, not a surrender.
Taking the problem from the premium rather than from the cover is the best way to pay less for something that will be of no use to you, or to pay a lot for a matter you will never activate. The premium is a conclusion, not a starting point.
Your lawyer, and what happens if the insurer refuses
Two statutory guarantees, often overlooked, that change the balance of power.
Free choice of lawyer (article 156)
Article 156 of the Insurance Act of 4 April 2014 requires your policy to state expressly your freedom to choose the lawyer, or any other qualified person, as soon as judicial or administrative proceedings have to be started, or as soon as a conflict of interest arises with your insurer. The Court of Justice of the European Union extended that freedom to mediation. Two practical caveats: the fee scale set out in the policy remains enforceable and anything above it is yours to pay, so ask to see that scale before signing; and the majority of files are settled amicably by the insurer's in-house lawyers, without a lawyer of your own.
The objectivity clause (article 157)
If your insurer considers your case hopeless and refuses to start proceedings, article 157 gives you an arbiter: you consult a lawyer of your choice for a second opinion, at the insurer's expense.
Outcome 1
The lawyer agrees with you
The insurer must take the file on, even if it remains convinced of the opposite.
Outcome 2
The lawyer agrees with the insurer
You bear half the cost of that consultation. You remain free to act alone.
Outcome 3
You go ahead anyway, and you win
If you obtain a better result than the one predicted, the insurer must step in and reimburse the share you had borne.
A refusal is therefore never the last word. Write, ask expressly for the objectivity clause to be applied, and keep a record. This is typically the step a broker takes on your behalf, because they know which article to rely on.
Legal expenses insurance or free legal aid (pro deo)?
The two are not in opposition: they target different audiences, and a large share of the population sits exactly between them. Second-line legal aid, formerly known as pro deo, allows a lawyer to be appointed at the State's expense, subject to income conditions. Since 1 September 2026:
Situation
Fully free
Partly free
Single person
net monthly income < €1,670
between €1,670 and €1,988
Cohabiting (household income)
< €1,988
between €1,988 and €2,305
A deduction of €348.26 applies per dependent. The application is filed with the Legal Aid Office (BAJ) of the judicial district.
The conclusion is blunt and rarely put into words: a household on two average incomes is far above those thresholds, and far below the comfort needed to advance several thousand euros in fees without thinking about it. That is exactly the zone legal expenses insurance covers, a middle-class insurance.
"People do not give up because they are wrong. They give up because they cannot advance the costs."
We handle claims all day, and legal expenses insurance is the only policy whose effect we see before court: in most files, a formal notice sent by a legal expenses insurer is enough to unblock a situation that had been dragging on for months. The other side understands that it is no longer facing a tired individual but an organisation that will see it through. Our two pieces of advice are short. First, when you are shown a tier, do not look at its name, ask for the table of insured matters. It is the only document that tells the truth, and it is where two policies at the same price turn out to be incomparable. Second, when an intervention is refused, do not hang up: ask in writing for the objectivity clause to be applied. We have triggered it several times, and the insurer took the file on. You just have to know the right exists, and most policyholders do not, because nobody reminds them of it.
Frequently asked questions
Is legal expenses insurance compulsory in Belgium?
No, no Belgian law requires it. It is nonetheless one of the few policies that pays for itself with the very first file: civil proceedings of average length, with an expert report and two levels of jurisdiction, easily run into thousands of euros in fees, court registry and bailiff costs, on top of which comes the procedural indemnity owed to the other side if you lose. The real issue is therefore not the rare, catastrophic risk, as in fire insurance, but effective access to justice: without legal expenses cover, many people give up a right they hold simply because they cannot advance the costs. One useful nuance: you already own pieces of it, scattered across your motor, home and family liability policies. So the question is almost never yes or no, but which matters remain uncovered, and at what price.
What is the difference between a basic, mid-range and extended tier?
It is a question of areas of law covered, not of quality of service. The basic tier covers what happens to you without your looking for it: claiming after damage suffered, defending yourself in civil and criminal proceedings, disputes with your own insurers and your health fund, neighbour nuisance, a medical accident. The mid-range tier adds the everyday contractual ground, meaning purchases, services, works without an architect, lease and rental disputes, often online protection, as well as employment law, which remains a paid option in the basic tier. The extended tier adds asset and family matters: property law, construction requiring permission or an architect, administrative law, tax law, succession, gifts and wills, a first divorce and family mediation. One point nobody makes: the three tiers are no longer available everywhere. Some companies have stopped selling their extended tier, so what is presented as their top tier is in fact the former mid-range one; others sell nothing but extended cover, playing on indemnity limits rather than on the matters covered. As a result, if you are looking to cover a succession, a tax audit, a divorce or construction requiring planning permission, the choice narrows to a handful of insurers, and price stops being an indicator of the level of cover. It is the table of insured matters you have to read, never the name of the tier.
I am already covered by my motor, home and family liability policies: do I need a separate contract?
This is the most profitable question to ask yourself, and the arithmetic is often counter-intuitive. Three everyday policies carry a legal section: motor insurance, with recourse against the liable third party and criminal defence after an accident; home insurance, with disputes linked to the insured building; and family liability insurance, with limited civil recourse. Each is confined to disputes connected with its main policy, with generally low indemnity limits. Added together, those sections already amount to something like €75 to 160 a year, roughly €15 to 40 for the one in your family liability policy, €10 to 30 for the one in your home policy and €50 to 90 for the one in your motor policy, for cover that is both narrow in areas of law and limited in amounts. Yet a basic tier with an insurer specialising in legal expenses sits in the same order of magnitude, barely more expensive, with limits of €150,000 to 300,000 and a far wider scope. The right reflex is therefore neither to pile up nor to refuse: it is to take out your policies, add up what you already pay for those sections, and compare with a bundled tier. In many cases, bundling costs almost nothing more and completely changes the level of protection.
Is a dispute that has already started covered?
No, and this is the strictest rule in the whole subject. A dispute already born is not insurable, but the rule goes further than that: a merely latent dispute is excluded too. Latent means any disagreement whose underlying facts you already knew when you took out the policy, or which you could reasonably suspect was going to surface. The first letter of formal notice, the crack you have already reported, your landlord's reminder, the appraisal meeting that went badly: from the moment those facts exist, the dispute that follows will not be taken on, even if it only breaks out officially months later. Insurers say so explicitly in their wordings: conflicts existing when the policy is taken out are not covered, and the same applies where the insured is aware of facts giving rise to a conflict. On top of that come waiting periods, which are a different mechanism: even with no dispute in sight, certain matters are only covered after several months or several years of cover. The practical consequence is always the same: you take out legal expenses insurance while everything is fine, never once things start to smell of trouble.
Is a divorce covered by legal expenses insurance?
Yes, but on particularly strict conditions, and only in the extended tier. The rule is twofold. First, only the first divorce occurring after the policy is taken out is covered: an earlier divorce, or one already contemplated when you signed, is not, and nor is a second divorce. Second, anything connected to an earlier divorce stays excluded, even long afterwards: failure to comply with a divorce settlement, revision of maintenance, an application to change the children's living arrangements. Those disputes stem from a situation born before the policy, and they do not become insurable again with time. On top of that comes a waiting period, generally twenty-four to thirty-six months depending on the insurer, and a specific limit markedly lower than for other matters, in the order of three to four thousand euros per insured person. The reading is simple: divorce cover is a safety net for the unforeseen, not a solution for a separation already under way. If the question arises today, it is already too late; if it does not, this is the right moment to check what your policy provides.
Does the 40 % tax reduction still exist, and what should I do with my policy?
It no longer exists. Since 2019, policies meeting the conditions of the Act of 22 April 2019 gave entitlement to a 40 % tax reduction on the premium. The Act of 18 December 2025 put an end to it, and the tax authorities confirmed this in circular 2026/C/8: only premiums paid up to 31 December 2024 still gave entitlement to a reduction, and there is nothing to enter in the 2026 tax return. Be careful what you read elsewhere, since a large share of Belgian pages still advertise the 40 %. But the good news lies elsewhere. Because the tax advantage shaped the products on the market, its disappearance freed the insurers, almost all of whom have launched new tiers. So this is the moment to have your policy reviewed, and the order in which you do it is decisive. Start with your insurable interest: list the areas of law covered by your current tier, compare them with those of the new products, and ask yourself which ones really matter for your situation. Only then do you look at the premium, to settle a single question: is this extra cover worth its price, or is it better to drop a tier and carry the difference yourself? Taking the problem from the premium rather than from the cover is the best way to pay less for something that will be of no use.
Can I choose my own lawyer, and what if my insurer refuses to intervene?
These are two separate statutory guarantees, and both are worth knowing. Free choice of lawyer comes from article 156 of the Insurance Act of 4 April 2014: every legal expenses policy must state expressly your freedom to choose the lawyer or any other qualified person as soon as judicial or administrative proceedings have to be started, or as soon as a conflict of interest arises with your insurer. The Court of Justice of the European Union extended that freedom to mediation. Two practical caveats: your freedom of choice does not remove the fee scale set out in the policy, and the majority of files are settled amicably by the insurer's in-house lawyers, without a lawyer of your own. Refusal to intervene falls under article 157, which organises the objectivity clause. If your insurer considers your case hopeless, you may consult a lawyer of your choice for a second opinion at the insurer's expense. If that lawyer agrees with you, the insurer must take the file on. If they agree with the insurer, you bear half the cost of the consultation. And if, despite a negative opinion, you act alone and obtain a better result than the one predicted, the insurer must step in and reimburse you. A refusal is therefore never the last word: write, ask expressly for the objectivity clause to be applied, and keep a record.
What does private legal expenses insurance cost in Belgium in 2026?
The orders of magnitude on the Belgian market, to be confirmed against current rates and your situation, are as follows: around €90 to 130 a year for a basic tier, €220 to 450 for a mid-range tier and €300 to 700 for an extended tier. The last two ranges overlap, and that is not a mistake: because some companies no longer sell anything but mid-range cover and others nothing but extended cover, an extended tier with moderate limits can cost less than a rich mid-range tier at a competitor. A vehicle adds in the order of €40 to 120, and covering a property other than your home costs between €70 and 150 per property. Several levers move these amounts: a tier with a €500 deductible on lawyer's fees costs noticeably less than the same one without, a single person with no children often benefits from a discount, and bundling several vehicles or several policies brings the total down. Two reference points to place that price. First, it compares with the real cost of a file, not with zero: a few hours of a lawyer's time already use up a year's premium. Second, it is now a net price, since the 40 % tax reduction has gone for premiums paid since 1 January 2025.
We read the tables of cover for you
Send us your motor, home and family liability policies. We add up what you already pay in legal sections, list the matters that remain uncovered, and compare the market at equivalent cover.
Our claims team handles files every week whose outcome depends not on the law but on the client's ability to go the distance: formal notices, adversarial expert reports, refusals to intervene that have to be challenged. That is what makes us uncompromising on three points of a legal expenses policy: the table of insured matters, the waiting periods and the fee scale. At Cinassur we do not sell a product: we compare the market and negotiate the cover that genuinely matches your situation. Our method →
This page is for information only and does not constitute personal advice within the meaning of the Belgian Insurance Act of 4 April 2014. The tiers described summarise the offering of several specialist Belgian insurers and do not correspond to the catalogue of any one of them. Amounts, covers, limits, waiting periods and tax rules are indicative and vary by company and with changes in legislation. For an analysis matching your situation, contact Cinassur.
