A large number of insurers offer legal expenses insurance, but the legal help provided comes from a handful of legal expenses providers such as ARAG, SAR and DAS. Even so, comparing legal expenses insurance is advisable, because cover and premiums can sometimes differ considerably. The main legal expenses insurers are listed below, each with a short explanation. This page describes the situation in the Netherlands.
The different insurers
In the Netherlands, various insurers offer legal expenses insurance. It is always difficult to choose which insurer is the best. That is why the different insurers are discussed below. Most Dutch insurers offer their website and policy documents in Dutch only.
a.s.r. (DAS)
With legal expenses insurance from a.s.r., the insured receives help from the legal professionals at DAS. The basic cover is Consumer & Housing (Consument & Wonen). In addition, the following modules are available:
- Traffic & Holiday (Verkeer & Vakantie)
- Personal & Family (Persoon & Familie)
- Tax & Assets (Fiscaal & Vermogen)
- Work (Werk)
There is no excess and no waiting period. If the insured chooses their own lawyer in proceedings when this is not strictly necessary, an excess of €250 applies. Checked on 9 November 2026 at asr.nl.
DAS
DAS is an insurer with the ambition of making legal help accessible to everyone. More than 700 legal specialists work at DAS. The legal expenses insurance DAS voor Particulieren Totaal provides standard help with conflicts about traffic and injury, housing, purchases, family and relationships, and income, tax and assets. Work and divorce mediation can be added as options.
DAS applies a threshold of €175. If the case concerns a smaller amount, the insurer does not provide cover. Checked on 9 November 2026 at das.nl.
ABN AMRO (ARAG)
ABN AMRO works together with ARAG. This means you can choose what you want to be insured for, there is no excess as standard and the legal service is of excellent quality. The legal expenses insurance has come out best in tests by the Dutch Consumers' Association (Consumentenbond) several times in a row, and that certainly says something. One disadvantage, though, is that this legal expenses insurance is only available to people who have a current account with ABN AMRO. That ARAG provides the legal help and that a current account with ABN AMRO is required was checked on 9 November 2026 on abnamro.nl.
Interpolis (SAR)
For legal expenses insurance from Interpolis, SAR, or Stichting Achmea Rechtsbijstand, is called in. SAR has more than 700 legal professionals. Each case is assigned a permanent and suitable legal professional, which makes communication easier.
Legal expenses insurance from Interpolis can be put together in modules. In addition to the basic cover, the insured chooses 1 or more of the following modules; the basic cover cannot be taken out on its own:
- Traffic (Verkeer)
- Consumer & Housing (Consument & Wonen)
- Work, Income & Pension (Werk, Inkomen & Pensioen)
- Family, Tax & Assets (Familie, Belasting & Vermogen)
A plus point is the discount when several insurance policies are taken out with Interpolis. This discount can be as much as 12%. Checked on 9 November 2026 at interpolis.nl.
ANWB (ARAG)
ANWB is of course known for its expertise in road infrastructure and mobility, but it also has an extensive range of insurance. According to the policy conditions (from September 2022), ANWB Rechtsbijstand itself provides the legal help for the Traffic module and ARAG for the other modules. More than 500 legal professionals and lawyers are ready to help. ANWB legal expenses insurance can be put together yourself from five different modules:
- Traffic (Verkeer)
- Consumer & Housing (Consument & Wonen)
- Employment & Income (Arbeid & Inkomen) (only available in combination with the Consumer & Housing module)
- Personal & Family (Persoon & Familie) (only available in combination with the Consumer & Housing module)
- Tax & Assets (Fiscaal & Vermogen) (only available in combination with the Consumer & Housing module)
Checked on 9 November 2026 at anwb.nl. In principle there is no excess, except when an external lawyer or legal professional is called in when this is not necessary. The excess is then €250. When it is necessary, there is no excess.
Univé (Univé Rechtshulp)
At Univé, legal assistance is provided by the more than 200 legal professionals of Univé Rechtshulp. This insurer offers a choice of six modules:
- Traffic & Vehicles (Verkeer & Voertuigen)
- Housing (Wonen)
- Consumer & Family (Consument & Familie)
- Work & Salary (Werk & Salaris)
- Tax & Assets (Belasting & Vermogen)
- Benefits, Allowances & Pension (Uitkeringen, Toeslagen & Pensioen)
According to Univé, the insured pays no excess. A minimum claim threshold (franchise) of €175 does apply; below this, Univé Rechtshulp will not take on the case, but it does give legal advice. For traffic damage and criminal cases, among others, there is no minimum claim amount. Checked on 9 November 2026 at unive.nl.
FBTO (SAR)
FBTO's legal expenses insurance is another one that relies on the legal services of SAR, just as Interpolis does. SAR works with more than 700 legal professionals. At FBTO, in addition to the basic insurance, there is a choice of five modules:
- Consumer & Housing (Consument & Wonen)
- Traffic (Verkeer)
- Work, Income & Pension (Werk, Inkomen & Pensioen)
- Family, Tax & Assets (Familie, Belasting & Vermogen)
- Medical (Medisch)
The legal expenses insurance can be taken out for one person, two people, or three or more people. If you choose three or more people, all family members are automatically insured. Checked on 9 November 2026 at fbto.nl.
ING (DAS)
ING's legal expenses insurance is for customers who have a current account there, just as with ABN AMRO. ING's legal expenses insurance is also rated very positively by the Consumentenbond. This legal expenses insurance relies on DAS and can be extended with all kinds of modules:
- Traffic (Verkeer)
- Housing (Wonen)
- Work, income and pension (Werk, inkomen en pensioen)
- Tax and asset management (Belastingen en vermogensbeheer)
- Divorce mediation (Mediation bij echtscheiding)
For an external lawyer, a maximum of €30,000 is covered, and for conflicts outside the European Union cover is limited to €5,000. Cover for mediation is also fairly limited, with a maximum payment of €3,000.
OHRA (ARAG)
With OHRA's legal expenses insurance, the legal specialists and lawyers of ARAG are ready to help the insured. OHRA focuses strongly on tailor-made cover and offers various modules:
- Traffic (Verkeer)
- Consumer and Housing (Consument en Wonen)
- Income (Inkomen) (only in combination with Consumer and Housing)
- Tax and Assets (Belasting en Vermogen) (only in combination with Consumer and Housing; this also includes mediation in divorce)
If the insured chooses their own lawyer in court or administrative proceedings when this is not compulsory, an excess of €250 per set of proceedings applies. Checked on 9 November 2026 at ohra.nl.
Read also: Waiting period for legal expenses insurance and switching legal expenses insurance.
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Frequently asked questions about legal expenses insurance
How do I report a case to my legal expenses insurer?
That differs from insurer to insurer. Some insurers ask you to contact them or offer an online reporting tool, while other insurers refer you straight to the legal expenses provider. Sometimes it can also depend on the type of legal assistance you are looking for. At ANWB, for example, you can always contact them about traffic damage, while for other claims you are referred to ARAG.
Can I choose the start date of the legal expenses insurance myself?
With almost all insurers, you can choose the start date yourself. This means the old legal expenses insurance can be cancelled and the new legal expenses insurance takes over immediately.
I don't have legal expenses insurance. Can I still get help?
With some insurers, it is still possible to get legal help for a small fee. There are also countless other options for free or affordable legal help, for example through a trade union or through subsidised legal aid (gesubsidieerde rechtsbijstand).
What do insurers mean by external costs?
External costs are costs incurred outside the services of the legal expenses provider. Examples include expert fees, the costs of external lawyers, the costs of witnesses called by the court, court fees (griffierecht) and so on. These costs can run high, so always check to what extent they are covered.
Does legal expenses insurance apply to a company car?
Private legal expenses insurance in principle only applies to private individuals. As far as a company car is concerned, it therefore often depends on why the car was being used at the time. For private use, for example on a trip to a theme park, the legal expenses insurance will often provide cover. The policy conditions can make this clear.