At the moment when you were least expecting it, you may be faced with significant legal costs, for instance because a dispute has arisen regarding a contract or because you need to hold somebody liable. Legal Assistance insurance from OOM Insurance enables you to insure yourself against these costs abroad as well.
Claims handling transferred to ARAG Rechtsbijstand
By law, all claims for Legal Assistance insurance must be processed by an independent party. ARAG Rechtsbijstand processes claims for OOM. The following must be taken into account in this:
- You may claim this insurance only if the interest (the money at stake) is at least € 200.
- If multiple persons are insured on a single policy, then this insurance can only be taken out for all insured persons on the policy.
- Normally, claim adjustment will take place in the Netherlands.
- If claim adjustment is not possible in the Netherlands, however, then you may seek assistance locally in consultation with ARAG.
- These costs will be compensated to a maximum of € 15,000.
- For legal assistance with regard to immovable property (applies to Top coverage only), a maximum of € 7,500 in external costs will be compensated.
- You can choose between basic coverage or Top coverage.
Basic Coverage
Coverage for anyone who needs straightforward legal assistance when abroad. You will have global coverage for the costs of assistance for redress, criminal law assistance and contractual assistance.
Top Coverage
This insurance is intended for, for example, expatriates posted to a secondment abroad by their employer. It is also very suitable for emigrants requiring legal assistance in the field of the law of persons or family law.
In addition to the issues insured under the basic coverage, disputes in the fields of employment law and social security law, conflicts regarding immovable property, and legal assistance with regard to the law of persons, family and inheritance are also covered.
Coverage for immovable property and property rental
Two additional forms of immovable property coverage can also be taken out with the extended (Top) coverage. These can be taken out if you are leaving a home behind in the Netherlands and require legal assistance in any disputes involving that home.
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Category E, for example, provides coverage for disputes relating to maintenance of the home or disputes involving neighbours.
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Category F provides coverage for disputes arising from rental of immovable property.
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You can see exactly what is insured in the policy terms .
More information?
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The Dutch Association of Insurers has published a
product guide with information about Legal Assistance Insurance.
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Would you like more information on what to consider when taking out insurance? Please visit 'Wijzer in geldzaken.nl', an initiative from the Dutch Ministry of Finance.
