It might seem obvious, but it’s important to note that legal insurance does not cover fines or tickets. For example, if you get a driving ticket, it’s your responsibility to pay the ticket. Legal insurance would help you get advice from a lawyer and pay for the legal costs of going to court. It would not, however, pay for your driving ticket.
Deductibles / general excess
You are also responsible for paying your deductible, sometimes referred to as your general excess. Your deductible is the amount you pay before your legal insurance provider pays. For example, let’s say you have €600 worth of legal fees and your deductible is €200. In this case, you would pay €200 and your legal insurance would pay the remaining €400. Deductibles for legal insurance usually range from €150 to €300. Some legal insurance providers will decrease your deductible each year if you don’t file any claims.