Information about your legal protection insurance

As of October 1st, 2015

Consumer information according to § 1 of the VVG information obligation regulation .................. 2

General conditions for legal protection insurance ARB 2015 .......................... 4

Note on data processing ............................................... ................................. 15

Dear Customer,
Dear customer,

the insurance conditions form the basis for our mutual contractual relationship. The insurance coverage specifically
agreed between you and us results from the Request, the Insurance policy and his Supplements.

These are important contract documents!

Please keep them with the insurance policy.

To a good partnership
Your HUK-COBURG legal protection insurance
RBAIRB15 as of 10/2016
MAT No. 921-350-330

HUK-COBURG legal protection insurance AG

Willi-Hussong-Strasse 2, 96443 Coburg

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 Consumer information according to § 1 of the VVG Information Duty Ordinance

Identity of the insurer

The insurer is HUK-COBURG-Rechtsschutzversicherung AG. Register court Coburg. Commercial register no.
240. Company headquarters: Willi-Hussong-Str. 2, 96444 Coburg.

Loadable address of the insurer

Our address for summons is:
HUK-COBURG-Rechtsschutzversicherung AG, Willi-Hussong-Str. 2, 96444 Coburg. Hanspeter Schroeder
and Rainer Neckermann (deputy) are authorized to represent.

Main business activity of the insurer

The HUK-COBURG legal protection insurance operates the legal protection insurance business.

Contract bases and type and scope of the insurance benefit

The insurance contract is based on the application, the insurance policy and any supplements, as well as the General Terms and Conditions for Legal Protection Insurance (ARB) that are
relevant for new contracts.
In the event of an insured legal protection event, we shall in particular bear up to the agreed sum insured
• the costs of an out-of-court dispute resolution ( for example mediation);
• the costs of the lawyer working for you;
• court costs and costs for experts;
• the opposing legal fees, insofar as you have to bear them;
• translation costs;
• Deposit loan up to the agreed amount;
• On request, the costs of an initial telephone consultation arranged by us also.
You can request the assumption of the costs to be borne by us as soon as you can prove that you are obliged to pay them or that you have already fulfilled the obligation.

Insurance contribution
The amount of the premium can be found in the insurance application. The insurance premium takes the insurance tax into account.

Contribution payment

The first premium is due two weeks after receipt of the insurance policy. It is then to be paid immediately within 14 days. A subsequent premium is due for payment at the time specified in
the insurance policy or in the premium invoice.
If direct debit has been agreed from your account, the debit will be made after the due date.

Validity of the offer

If there is a period of more than four weeks between the offer and the start of the contract, the premiums may change if a new tariff is introduced in the meantime or a premium adjustment takes place
on the basis of § 10 ARB.

Conclusion of the insurance contract and start of insurance cover

The insurance contract comes into being when we accept your application. This is regularly done through receipt of the insurance policy.
The insurance cover does not begin until you have paid the premium stated in your insurance policy, but not before the agreed time.

Right of withdrawal

Right of withdrawal

You can revoke your contract declaration within 14 days in text form (e.g. letter, fax, email) without giving reasons. The period begins after you have received the insurance policy, the contract
provisions including the general insurance conditions, the further information in accordance with Section 7 Paragraphs 1 and 2 of the Insurance Contract Act in conjunction with Sections 1 to
4 of the VVG Information Duties Ordinance and this instruction in text form, but not before fulfilling our obligations according to § 312i Paragraph 1 Clause 1 of the Civil Code in conjunction
with Article 246c of the Introductory Act to the Civil Code. Timely dispatch of the cancellation is sufficient to meet the cancellation deadline.

The revocation must be sent to:

HUK-COBURG legal protection insurance AG

Willi-Hussong-Str. 2

96443 Coburg

Email: info@huk-coburg.de

Consequences of cancellation

In the event of an effective cancellation, the insurance cover ends and we will reimburse you for the part of the premiums that is due after receipt of the cancellation, if you have
agreed that the insurance cover begins before the end of the cancellation period. In this case, we may withhold the part of the premium that is due up to the receipt of the
revocation; This is an amount that is calculated as follows: 1/360 of the annual premium (for annual premium payments) or 1/180 of the half-yearly premium (for semi-annual
premium payments) or 1/90 of the quarterly premium (for quarterly premium payments) multiplied by the number the days on which insurance cover existed. Amounts to be repaid
will be reimbursed immediately, at the latest 30 days after receipt of the revocation.

special instructions
Your right of withdrawal expires if, at your express request, both you and us have completely fulfilled the contract before you have exercised your right of withdrawal.

If you revoke a contract or rate change, the original insurance contract continues. Your HUK-COBURG legal
protection insurance AG

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Duration of the contract

The insurance contract is concluded for the agreed period, for a maximum of one year. The contract is extended by one year at a time unless you or we terminate the contract.

Termination of the contract

You can terminate the contract with one month's notice, we can terminate the contract with three months notice to the end of the respective insurance year and without giving reasons (Section 8 ARB). Further
termination rights are regulated in Sections 10, 11 and 13 ARB.

There are no contractual penalties.

Member states of the EU whose law the insurer applies as a basis prior to the conclusion of the contract
We base the establishment of relationships with you before the conclusion of the insurance contract on the law of the Federal Republic of Germany.

Law Applicable to the Contract

German law applies to the contractual relationship.

Court in charge

Lawsuits against us as an insurer:

If you want to sue us, you can file the lawsuit at the following locations:
• At the registered office of the insurance company or at the registered office of the branch responsible for your contract,

• or, if you are a natural person, also at the court of your place of residence. ( A "natural person" is a person, as opposed to a "legal person". This is for example a GmbH, an AG or a registered
association.) If you do not have a place of residence, you can bring the action at the court of your habitual residence.

Lawsuits against you as the policyholder:

If we need to sue you, we can file the claim in the following locations:
• If you are a natural person, at the court in your place of residence. ( A “natural person” is a person, as opposed to a “legal person”. This is for example a GmbH, an AG or an association.) If you do
not have a place of residence, we can bring the action to the court of your habitual residence.

• If your place of residence or habitual abode is not known at the time the action is brought, at the registered office of our insurance company or at the registered office of the branch responsible for your
contract.

• If you are a legal person or a general partnership, limited partnership, company under civil law or a registered partnership, the court at your registered office or branch is
responsible.

languages
We provide the insurance conditions and information in German; During the term of this contract, we will communicate with you in German.

Disagreements
Insurance ombudsman
Are you not satisfied with one of our decisions? Or did a negotiation with us not lead to the desired result? Then you can contact the insurance ombudsman: Versicherungsombudsmann
e. V., Postfach 080632, 10006 Berlin, Email: beschwerde@versicherungsombudsmann.de , Phone: 0800 3696000 * Fax: 0800 3699000 * (* free of charge from the German telephone
network).

The insurance ombudsman is an independent arbitration board for out-of-court dispute resolution that works free of charge for consumers. We have committed to take part in the arbitration
process. Further information is available from us or on the Internet: www.versicherungsombudsmann.de.

As a consumer, did you conclude this contract online (for example via a website)? Then you can also use the online dispute resolution platform http://ec.europa.eu/consumers/odr/ for your
complaint. From there, your complaint will be forwarded to the insurance ombudsman.

Insurance supervision
If you are not satisfied with our support or if there are differences of opinion when processing the contract, you can also contact the supervisor responsible for us. As an insurance company, we are
subject to supervision by the Federal Financial Supervisory Authority (BaFin), Insurance Supervision Sector, Graurheindorfer Straße 108, 53117 Bonn, email: poststelle@bafin.de , telephone: 0228
4108-0, fax: 0228 4108-1550. BaFin is not an arbitration board. It cannot make binding decisions on individual disputes.

Legal process

You also have legal recourse.

You can find more information on this at www.HUK.de/beschwerde

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 General conditions for legal protection insurance (ARB 2015)

1. What is legal protection? § 13 In which cases can the contract be terminated early? . . . . . 11 § 14 When do

§1 What tasks does the legal protection insurance have? . . . . . . . . . . . . . . 4 For which claims from the insurance contract expire? . . . . . 11 § 15 What legal status do

§2 legal matters is there legal protection? . . . . . . . . . . 4 Which legal matters does co-insured persons have? . . . . . . . . . . . 11 § 16 What is to be observed with

§3 legal protection not include? . . . . . 5 notifications and statements to us? . . 11

§ 3a In which cases can your lawyer decide whether the 3. What should be considered in a legal protection case?
Is the refusal of legal protection justified? . . . . . . . . . . . . . . . . . . . 6
§ 17 What rights and obligations exist after a
§4 When does the right to legal protection arise? . . . . . . . . 6 What applies to a Legal protection case? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

§ 4a change of insurer? . . . . . . . . . . . . . . . . . . . . . . . 6 What costs do we assume? . . § 20 Which court is for claims arising from the insurance contract
responsible and which law is applicable? . . . . . . . . . . . . . . . . . 12th
§5 . . . . . . . . . . . . . . . . . . . . . . . . . . 7th

§ 5a What costs for out-of-court dispute resolution 4th In what forms is legal protection offered?
(e.g. mediation) do we take over? . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8th
§ 21 Traffic legal protection. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 Section 22 Legal Protection
§ 5b How does no claims affect your excess? . . . . . . . 8 Where does the legal protection
for Drivers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 Section 23 Private legal protection for the
§6 insurance apply? . . . . . . . . . . . . . . . . . . . . . . . . 9
self-employed. . . . . . . . . . . . . . . . . . . . . . . 13th

2. What are the rules of the contractual relationship between you § 24 Professional legal protection for the self-employed, legal protection

and us? for companies and clubs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13th

§7 When does the insurance cover start? . . . . . . . . . . . . . . . . . . . . . . . 9 For how long is § 25 Private and Professional Legal Protection. . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 Section 26 Private,

§ 8th the contract concluded? . . . . . . . . . . . . . . . . 9 What should be considered when Occupational and Traffic Legal Protection. . . . . . . . . . . . . . . . . . . 13 Section 27 Legal Protection for

§9 paying the premium? . . . . . . . . . . . . . . . 9 Agriculture and Traffic. . . . . . . . . . . . . . . . . . 14 Section 28 Private, professional and traffic legal protection

for the self-employed. . . . . . 14th

§ 10 What developments can lead to an adaptation
of the post? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Section 29 Legal protection for owners and tenants of apartments
and land. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14th
§ 11 How does a change affect your personal or
factual circumstances affect the contribution? . . . . . . . . . . . . . . . . . . 10 § 30 HUK-COBURG legal advice. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 § 31 Legal Protection

§ 12 What happens if the insured interest lapses? . . . . . . . . . . 11 PLUS for §§ 25 and 26.. . . . . . . . . . . . . . . . . . . . . . . . 15th

• rights in rem. ( Real rights are rights that apply to everyone and must be
1. What is legal protection? respected by everyone, for example property.)

§ 1 - What tasks does the legal protection insurance have?

This only applies if your interests concern property, buildings or parts of
You would like your legal interests or, in the run-up to a legal dispute, the options for
buildings. ( Example: disputes about the course of the property line.);
an out-of-court dispute resolution
(for example a mediation) perceive. The scope of our services, with which we support
you, is described in the insurance application, in the insurance policy and in these d) Legal protection in contract and property law
insurance conditions.
in order to protect your legal interests, arising from obligations under private law
and rights in rem. ( For example, there is a “debt relationship” between buyer and
§ 2 - For which legal matters is there legal protection?
seller. A dispute over a right in rem can, for example, consist between the owner
Depending on the agreement ( compare §§ 21 to 31) the insurance cover includes the and the owner of the surrender of an item.)
following types of benefits:

a) Legal protection for damages This insurance cover does not apply if it concerns a matter from the following
areas:
for the assertion of your claims for damages.
• Legal protection for damages ( see § 2 a),
Such claims for damages may not be based on a breach of contract or a violation
of a right in rem to land, buildings or parts of buildings. ( Real rights are rights that • Legal protection at work ( see § 2 b) or
affect everyone and must be respected by everyone, for example property.)
• Housing and property legal protection ( see § 2 c);

e) Tax legal protection

(This means for example:
• We cover claims for damages against the damaging party due to damage to a
television. However, we do not cover claims for defective television repairs.
• We cover claims for damages against the other party due to a car accident.
However, we do not cover claims in the event of poor craftsmanship - such as
from a car repair.
You can insure this through legal protection under contract and property law according to § 2 d).);
in order to safeguard your legal interests in connection with taxes and duties
before German tax and administrative courts, but only after the legal proceedings.
The tax legal protection only applies to the private non-self-employed sector, the traffic
legal protection as well as the legal protection of apartments and land.
In traffic legal protection, insurance cover also includes the tax administrative
procedure;

f) Social court legal protection

b) Legal protection at work to safeguard your legal interests before German social courts, but only after the
to protect your legal interests judicial process;

• employment relationships, G) Administrative legal protection in traffic matters

• Public service relationships with regard to service law and pension law claims; to protect your legal interests in traffic law matters before administrative
authorities and administrative courts;

c) Housing and property legal protection H) Disciplinary and professional legal protection

to protect your legal interests
• Rent and lease relationships ( Example: disputes over rent increase),
• other usage relationships ( Example: dispute over a right of residence),
for defense in disciplinary and professional law proceedings. ( Disciplinary law deals with
misconduct, for example by civil servants or soldiers. Professional law deals with
professional issues relating to the liberal professions, for example employed doctors or
employed lawyers.);

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i) Criminal legal protection
aa) for the defense, if you are committing a traffic law offense
is thrown. ( A traffic law offense is a criminal offense that criminalizes the
violation of safety and order in road traffic and is at least threatened with a
prison sentence of less than one year or a fine.)
Exception: A court finds that you have committed the offense
deliberately have committed. In this case you are obliged to reimburse us for
the costs incurred.
They have none Insurance coverage if you have one crime
is accused. ( A crime is an offense with a minimum of one year
imprisonment.)
bb) for the defense, if you have any other, i.e. non-traffic
legal, Offense is accused. ( Offenses are criminal offenses that are at least
threatened with imprisonment of less than one year or a fine.)
You have insurance coverage under following requirements:
• the offense is punishable by law with intent and negligence
• and you are accused of negligent behavior.
However, if you are accused of willful behavior, you will initially not receive
insurance cover. If you are not convicted of willful behavior, you will receive
retrospective insurance cover. If the accusation changes to negligent
behavior during the procedure, insurance cover will apply from this point in
time.
You therefore have no insurance cover in the following cases:
• You will be a crime accused. ( A crime is an offense with a minimum of one
year imprisonment. Crimes include manslaughter, robbery, sexual assault,
rape, and arson.)
• You will be a Offense accused, which can only be committed willfully. ( Offenses
are offenses that are at least threatened with imprisonment of less than one
year or a fine. Only offenses that can be committed intentionally are, for
example, insulting, theft and fraud.)
It does not matter whether the accusation is justified or how the criminal proceedings turn out;
j) Administrative offense legal protection
for your defense if you are accused of an administrative offense.
(Example: You violate the seat belt duty or cause impermissible noise.);
k) Advisory legal protection in family, civil partnership and inheritance law
for advice or information from a lawyer licensed in Germany on family, civil
partnership and inheritance matters. In this case, we will cover the consulting
costs without deducting the excess. If the lawyer acts beyond this, we will only
reimburse the costs incurred through the advice or the information. The
reimbursement of costs is limited to the statutory fees provided for this ( see § 5
paragraph 1 a) sentence 4);
l) Victims legal protection
as a joint plaintiff for a public charge before a German criminal court. The
prerequisite is that you or a co-insured person as
Victim of a violent crime were injured.
A violent crime exists in the case of violation of sexual self-determination, serious
violation of physical integrity (the latter according to §§ 224,
225 or 226 Criminal Code, possibly as bodily harm in office also in connection with Section
340 Criminal Code) and personal freedom as well as in murder and manslaughter.
You also have insurance cover for the assistance of a lawyer:
• in preliminary proceedings before a German authority,
• in criminal proceedings before a German court,
• for
Act,the application according to § 1 Protection against Violence
• for the so-called perpetrator-victim compensation in accordance with Section 46a No. 1 of the Criminal
Code in matters not related to property law.
You also have insurance cover for the out-of-court enforcement of claims under
the Social Security Code and the Victims Compensation Act following
requirements:
• You are entitled to secondary action,
• You have been injured by one of the above crimes and
• This caused permanent bodily harm.
Exception: You can make use of the free appointment of a lawyer as assistance
within the meaning of the Code of Criminal Procedure. In this case, there is no
insurance cover even if the above conditions are met.
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§ 3 - Which legal matters does the legal protection not include?
You have no insurance cover in the following cases:
(1) Any representation of interests in causal connection with
a) war ( Exception: Damage as a result of a bombing blind walk
gers from World War II remain insured within the scope of the agreed types of
benefits), hostile acts, riot, civil unrest, strike, lockout or earthquake;
b) Nuclear and genetic damage. ( Exception: Nuclear and genetic
Damages that are causally related to medical treatment remain insured);
c) Mining damage and impairment due to mining-related immissions on land,
buildings or parts of buildings.
(Such effects are, for example, vibrations.);
d) Any safeguarding of interests in causal connection with aa) the
purchase or sale
• a plot of land that is to be built on.
• a building or part of a building not used by you or a co-insured person
for residential purposes;
bb) the planning or construction of a building or part of a building that
is owned or owned by you, or that you intend to acquire or possess;
cc) the structural changes to a property, building or part of a building that
require approval / notification. You own or own this property, building or
part of a building, or you would like to acquire or possess it.
Also with the financing You do not have insurance cover for one of the projects
mentioned under d).
(2) a) You want to fend off claims for damages. ( Example: You have one
Traffic accident and the enemy wants compensation from you. This is not covered
by the legal protection insurance, but as part of the liability insurance.)
Exception: The claim for damages is based on a breach of contract. ( Example: The
lessor of the rental vehicle is demanding compensation for late return. This is
insured on the basis of the rental agreement on legal protection in contract and
property law.);
b) Disputes arising from collective labor or service law ( Example: the co-
right of determination in companies and businesses);
c) Disputes arising from the law of commercial companies or from employment relationships of
legal representatives of legal entities ( Example: managing directors of a GmbH or board
members of a stock corporation);
d) Disputes in causal connection with patent, copyright, trademark, design / utility
model rights or other rights from intellectual property;
e) Disputes arising from antitrust or other competition law;
f) Disputes in causal connection with
aa) Game or betting contracts, promises to win, deadline or comparable
cash speculative transactions;
bb) the purchase, the conclusion, the sale, the administration or
the financing of
• Securities ( e.g. stocks, bonds, fund shares),
Stock rights that are equivalent to securities, participations ( for example
on investment models, silent companies, cooperatives),
• Financial and asset investments ( for example life and annuity insurance,
savings contracts and capital-building benefits);
g) Disputes in the area of family, civil partnership and inheritance law.
Exception: You have agreed legal protection advice in family, civil partnership and
inheritance law ( see § 2 k);
h) You want to take action against our company or the claims processing company
working for our company under the legal protection insurance contract;
i) Disputes about
• the tax assessment of land, buildings or parts of buildings,
• Development and other resident taxes.
Exception: These are ongoing charges for property supply;
j) You want to safeguard interests in connection with the acquisition or sale of
timeshare rights ( Timeshare) on:
• land,
• buildings,
• building parts;
 k) Disputes in connection with the purchase, installation and operation of a
photovoltaic system;
l) Disputes that are causally related to racist, extremist, pornographic or other
immoral offers, statements or representations. This only applies insofar as this
has been carried out or initiated by you or should have been carried out or
initiated.
(3) a) You defend your legal interests before constitutional courts;
b) You take your interests before international or supranational courts of law ( Example:
European Court of Justice) true.
Exception: You protect your legal interests as an employee of international or
supranational organizations from employment relationships or public service
relationships;
c) Any safeguarding of interests in causal connection with insolvency proceedings that
have been opened or are to be opened against your assets. ( Example: foreclosure of
the vehicle as a result of your bankruptcy petition);
d) disputes
• in expropriation, plan approval, land consolidation matters,
• in matters regulated in the Building Code;
e) You are safeguarding your legal interests in the context of an administrative
offense or administrative procedure due to a stopping or parking violation;
f) You defend your legal interests in the context of an asylum and / or immigration
law procedure;
g) Disputes in causal connection with the allocation of study places;
h) Disputes in administrative proceedings that protect the environment ( in front
everything from soil, air and water) serve or have the object of receiving
subsidies.
(4) a) You protect your legal interests in disputes between
You and other policyholders of the same insurance contract.
Disputes between co-insured persons or against you are also not insured;
b) Disputes between unmarried and unregistered civil partners of any gender, if
these disputes are causally related to the partnership. This also applies when
the partnership has ended;
c) Claims or liabilities are transferred to you or have been transferred to you after
a legal protection case has already occurred.
(Example: Your work colleague has had a traffic accident and transfers his claims for
damages to you. You want to assert these against the other party involved in the accident.
This is not insured.);
d) You want to assert someone else's claims. ( Example:
You can assign a friend's claims for damages against a third party in order to
assert them. This is not insured.);
e) You should be responsible for someone else's debts. ( Example: you
Work colleague buys a vehicle. You vouch for the loan agreement with the car seller.
Disputes arising from the guarantee contract are not insured.)
(5) There is a causal association in the types of services according to § 2 a) to h)
related to a criminal offense that you have intentionally committed.
If this becomes known later, you are obliged to repay the services we have
provided.
§ 3a - In which cases can your lawyer decide whether the rejection
legal protection is justified?
(1) We can provide insurance coverage reject, if our view
to
a) the protection of your legal interests according to § 2 a) to g) no
sufficient prospect of success Has
or
b) you want to defend your legal interests. ( Deliberately
This is the case if the likely costs are grossly disproportionate to the desired
success.) In this case, we will reject your application for insurance cover
because the legitimate interests of the insured community would be impaired.
In both of these cases, we must inform you of the rejection immediately in writing,
stating the reasons. ( "Immediately" does not necessarily mean "immediately", but
rather "without undue hesitation or as quickly as possible".)
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(2) What happens if we and you reject a performance obligation according to § 3a
in order to Not agree?
In this case, you can have the lawyer working for you or still to be commissioned
give a reasoned opinion on the following questions:
• There is a reasonable chance of success and
• Is the enforcement of your legal interests in an appropriate relationship to the
desired success?
We assume the costs for this statement.
The lawyer's decision ( "Casting vote") is binding for you and us. This does not
apply, however, if the lawyer's decision obviously deviates significantly from the
actual factual or legal situation.
(3) We can give you a period of at least one
Set month. In order for the lawyer to be able to give his opinion, you must inform
him completely and truthfully about the situation. You must also provide the
evidence. If you fail to meet these obligations in time, your insurance cover will no
longer apply.
We are obliged to inform you of these legal consequences associated with the expiry of the deadline
( Loss of insurance cover) to point out.
§ 4 - When does the right to legal protection arise?
(1) You are entitled to insurance cover if a legal protection case occurs
stepped. However, you only have this right if the legal protection case after the start
of the insurance cover ( see § 7) and occurred before its end.
The legal protection case occurs:
a) in the legal protection for damages according to § 2 a) from the damaging event on which the
claim is based;
b) in advisory legal protection for family, civil partnership and inheritance law according to
§ 2 k) from the event that results in a change in your legal position or a change in the
legal position of a co-insured person;
c) in all other cases from the point in time at which you or someone else has committed or
is supposed to have committed a breach of legal obligations or legal provisions;
d) in legal protection at work in addition to § 4 paragraph 1 c) also by the offer of a
termination agreement by the employer.
For the types of benefits according to § 2 b) to d) and f), however, insurance cover only
exists three months after the start of insurance Waiting period).
Exception: You represent legal interests in connection with the services in traffic
legal protection. In this case there is no waiting time.
(2) If there is a legal protection case before the start of the insurance cover according to § 7 or
occurred during the waiting period, there is still legal protection if the risk concerned
has been insured with us for at least five years without interruption and the contract
has run without damage until the legal protection case is reported.
(3) If the insurance protection according to § 7 begins within one week after
Admission of a motor vehicle on land, notwithstanding paragraph 1, there is also
insurance cover for legal protection cases that are directly related to the contract
for the purchase of the vehicle within the scope of traffic legal protection.
(4) If the legal protection case extends over a period of time, it begins
essential. If several legal protection cases are responsible for safeguarding legal
interests, the first one is decisive. However, any legal protection case that occurred
more than one year before the start of the insurance cover for the subject matter of
the insurance or, if the legal protection case extends over a period, has ended, is
not taken into account.
(5) There is no legal protection in the following cases:
• A declaration of intent or a legal act that you have undertaken before the start of the
insurance cover triggers the violation under Paragraph 1 c) or the offer under Paragraph
1 d).
• You first assert your right to legal protection later than three years after the end
of the insurance cover for the insurance subject concerned.
(6) In tax legal protection ( see § 2 e) there is no legal protection if the
actual or alleged prerequisites for the tax or levy assessment on which the matter
is based occurred or should have occurred prior to the start of insurance specified
in the insurance policy.
§ 4a - What applies to a change of insurer?
So that you have as few disadvantages as possible when changing insurer, you are entitled to
insurance cover from us in the following cases ( this applies in deviation from the regulations § 4
paragraph 5 and 6):
• The legal protection case occurred during our contract period. The insurance cover also
applies if the declaration of intent or legal act that triggered the legal protection case falls
within the contract period of the previous insurer.
• The legal protection case lies within the contract term of the previous insurer, but the
claim is made later than three years after the end of the previous insurance. However,
reporting to the previous insurer must not have been negligent or intentional. ( Example
of "grossly negligent behavior": someone violates the due care required in traffic to an
unusually high degree.)
• The legal protection case in tax legal protection ( Example: tax assessment) falls within our
contract period, but the basis for your tax or duty assessment occurred during the contract
period of the previous insurer. ( Example: You will receive a tax assessment during our contract
period, which relates to a tax year in the contract period of the previous insurer.)
requirement for insurance cover, in all of the above-mentioned cases,
• you are insured with us against this risk,
• You were insured against this risk with your previous insurance and
• the switch to us has taken place without a break.
§ 5 - What costs do we assume?
(1) If the legal protection case occurs, we provide and arrange services,
so that you can safeguard your interests to the extent explained below.
a) In the event of a legal protection case in Germany, we shall bear the remuneration one For
You work lawyer. We reimburse a maximum of the statutory remuneration of a
lawyer who is or would be resident at the place of the competent court. The
statutory remuneration is based on the Lawyers' Remuneration Act.
If the activity of your lawyer is limited to the following services, then we shall bear the
costs for each legal protection case within the upper limits applicable to advising a
consumer in the version of the Lawyers' Remuneration Act valid at the time the legal
protection case occurs (currently: § 34 Paragraph 1 sentence 3 RVG):
• Your lawyer will give you verbal or written advice,
• He gives you information or
• He will prepare an expert opinion for you.
After the occurrence of a legal protection case, we will also bear the costs of one
mediated by us at your request Telephone initial legal advice. The advice extends
to the insured scope of coverage of the contract and sets the occurrence of a
legal protection case ( see § 4) ahead.
In addition, we will pay an additional lawyer in the following cases:
• The first lawyer was recommended by us and your change of lawyer will take place
at the latest after the initial consultation ( Satisfaction guarantee).
• The original legal mandate ended due to the closure of the law firm, loss of
license to practice law or death of the lawyer. Exception: The mandate can
be continued within the law firm concerned or by its processor.
• You live more than 100 km as the crow flies from the competent court. In this case the
following applies:
Then we will assume further legal costs in the case of your legal dispute in the
service types § 2 a) to g). We will assume this up to the amount of the statutory
remuneration of another lawyer who only conducts correspondence with the
lawyer at the place of the competent court ( so-called traffic attorney). However,
this only applies to the first instance;
b) In the event of a legal protection case abroad, we will bear the costs of a lawyer working
for you. This can be:
• a resident at the place of the competent court, more foreign Lawyer or
• a lawyer in Germany.
We remunerate the lawyer in Germany as if the legal dispute were to be
brought to court at the location of his lawyer's office in Germany.
This remuneration is limited to the statutory remuneration.
Is a foreign lawyer working for you and you live more than 100 km as the crow flies
from the competent court ( abroad) away?
Then we take over additionally the cost of a lawyer in your place of residence.
We pay this lawyer up to the amount of the statutory remuneration of a lawyer
who conducts correspondence with the lawyer at the place of the competent
court ( so-called traffic attorney).
-7-
This only applies to the first instance.
Did the legal protection case arise from a motor vehicle accident with a vehicle
from an EU country in another European country? Then we also bear the
costs of a domestic lawyer for settling with the claims settlement officer or the
compensation office in Germany for his work within the framework of the
statutory fees;
c) We cover the court costs including compensation for witnesses and experts
who are called in by the court. We also cover the costs of the bailiff;
d) The assumption of the fees for an out-of-court dispute settlement procedure is
based exclusively on § 5a. ( Out-of-court dispute resolution procedures are, for
example, arbitration, conciliation procedures or mediation.);
e) We assume the costs in proceedings before administrative authorities, including
compensation for witnesses and experts who are called in by the administrative
authority. In addition, we assume the costs of enforcement by administrative
means;
f) We pay the usual remuneration
aa) for a publicly appointed technical expert or
a legally competent, technical expert organization ( Example: TÜV or Dekra) in
the following cases:
• During the defense in a traffic law criminal and administrative offense
proceeding.
• You protect your legal interests from purchase and repair contracts for
motor vehicles and trailers;
bb) in addition for an expert resident abroad,
if you want to assert claims for damages due to damage to a motor
vehicle or trailer that occurred abroad;
g) We will bear your actual costs for a trip to a foreign court if:
• You have to appear there as a suspect or party to the litigation and
• You can only avoid legal disadvantages by appearing in person.
We assume the costs actually incurred up to the amount of the rates
applicable for business trips by German lawyers;
h) We shall bear the costs incurred by the opponent in safeguarding his legal
interests, insofar as you are obliged to reimburse them.
(2) a) We will reimburse the costs to be borne by us if you can prove
that you
• are obliged to pay them or
• have already paid these costs;
b) If you have paid these costs in a foreign currency, we will reimburse you in euros.
We use the exchange rate of the day on which you advanced the costs as the
basis for billing.
(3) Restriction of our obligation to perform
We will reimburse the following costs Not:
a) Costs that you have assumed without being legally obliged to do so;
b) Costs that have arisen from an amicable settlement and that do not correspond to
the ratio of the result you are aiming for to the result achieved. ( Example: You are
requesting compensation of 1,000 euros (= 100%). You come to an agreement with
the opponent and receive an amount of 800 euros (= 80%). In this case we will
assume 20% of the costs incurred - namely for the part that you could not enforce.)
This does not apply if a different cost allocation is required by law;
c) From the costs to be borne by us, we deduct those according to the no-claims
system with variable excess ( see § 5b) agreed deductible.
Exceptions:
• The legal protection case is settled with an initial consultation or an out-of-court
dispute resolution by a service provider / mediator proposed by us in
accordance with § 5a. In this case, we will assume the costs incurred without
deducting the excess.
• Several legal protection cases are related in terms of time and cause. In this case,
we will only deduct the excess once in your favor;
d) Costs that arise as a result of the fourth or any further enforcement measure per
enforcement order. ( "Enforcement titles" are, for example, an enforcement order
or a judgment.);
 e) Costs due to enforcement measures that are initiated later than five years after
the enforcement order becomes final
(“Enforcement titles” are, for example, an enforcement order or a judgment.);
f) costs for criminal enforcement proceedings of any kind after a fine or fine of less than € 250
has become final;
g) costs that someone else would be obliged to bear if the legal protection
insurance contract did not exist;
h) You also agree on undisputed or uninsured claims.
(4) In each legal protection case, we pay at most the agreed insurance
sum of money. We add up payments for you and co-insured persons due to the
same legal protection case. This also applies to payments due to several legal
protection cases that are related in terms of time and cause.
(5) We take care of
a) the translation of the documents, if this is necessary in order to protect your
legal interests abroad. We also cover the costs for the translation;
b) the payment of an interest-free loan up to the agreed amount for a deposit that
must be made to temporarily spare you from criminal prosecution.
(6) All provisions that concern the lawyer apply accordingly
a) in matters of voluntary jurisdiction and in advisory legal protection in family,
civil partnership and inheritance law ( see § 2 k) for notaries;
b) in tax legal protection ( see § 2 e) for relatives of tax advisors
Jobs;
c) when safeguarding legal interests abroad for legally and competent
representatives resident there;
d) in social court legal protection ( see § 2 f) for retirement counselors.
§ 5a - What costs for out-of-court dispute resolution ( in addition
game mediation) do we take over?
(1) After the occurrence of the legal protection case ( see § 4) in advance of a
Attempt an out-of-court dispute resolution to safeguard legal interests in
Germany? At your request, we will support you in answering the question of
whether your specific concern has a useful out-of-court conflict resolution
potential. An important prerequisite is that the out-of-court dispute settlement
relates to a type of service agreed in the legal protection contract.
(2) In cases suitable according to Paragraph 1
• At your request, we will support you in your selection of an out-of-court dispute
resolution procedure that best suits your specific concern ( compare below
under paragraph 3),
• We will suggest you a suitable service provider at your request
(e.g. arbitrator, arbitrator, mediator) in front
and
assume the costs incurred by you personally in full height.
Exception: You and the other party have already agreed on a different service
provider. ( Such a service provider is, for example, an arbitrator, an arbitrator or a
mediator.) Then we will bear the personal costs incurred by you. We bear this up to
the amount of the fees that arise in the event of an appeal to a competent state court
of first instance.
Are uninsured persons also involved in the conflict resolution? Then we will cover
the costs proportionally in relation to you and the uninsured persons.
(3) There are a large number of procedures for out-of-court conflict resolution.
(Such procedures are, for example, arbitration or conciliation procedures,
alternative conflict resolution support, out-of-court or near-court mediation.) Mediation,
for example, is a procedure for voluntary, out-of-court conflict resolution. With the
help of the moderation of a neutral third party, the mediator, the parties work out a
solution of their own responsibility. All procedures for out-of-court conflict resolution
can only voluntary respectively. This means that all parties, i.e. both you and your
conflict partner, must agree to the proposed procedure and the proposed service
provider / mediator.
(4) We only suggest service providers / mediators who
meet current legal requirements and have sufficient experience in the specifically
selected procedure for out-of-court conflict resolution.
(5) The service provider / mediator is in the context of the out-of-court conflict
is prevented for legal reasons from giving you legal advice on the same matter.
Because of this, you have the legal one
- 8th -
Accompaniment of the out-of-court dispute resolution by a party lawyer of your
choice, whom we would be happy to recommend to you at your request. The
same is true if while (further) legal advice is required to resolve the conflict. In both
cases, we bear the costs of the advising lawyer within the scope of the statutory
fees.
During an out-of-court dispute resolution, we will also bear the costs of any
mediated by us at your request telephone legal advice.
(6) Insurance cover for out-of-court conflict resolution ( for example
Mediation) does not exist in legal protection cases abroad.
Exception: You and your conflict partner are resident in Germany and the
out-of-court dispute settlement procedure takes place in Germany under German
law.
(7) We are not responsible for the activity of the service provider / mediator.
This means that they are personally and directly liable to you.
§ 5b - How does freedom from claims affect your excess?
(1) Classification in no-claims classes ( SF classes)
The classification of the contract and the resulting deductible are based on the
claims experience. See the tables in paragraph 6.
(2) Classification at the start of the contract
a) Initial classification in SF class 0:
We classify the insurance contract in SF class 0 if you agree with us on the
no-claims system with variable deductible for the first time;
b) Offsetting the claims experience from preliminary contracts:
We do not take into account the claims experience from previous contracts with other
insurers or from previous contracts without a no-claims system that existed with us;
c) Crediting of the claims history after the interruption of the contract with us:
If there is a period of no more than four years between the termination and the new
conclusion of the insurance contract, we will classify the insurance contract in the SF
class that was relevant at the time of termination.
For a period of more than four years, we classify the contract in SF class 0.
(3) Upgrade if the course is free of damage
a) Annual upgrade:
If the contract has run without any claims during an insurance year and the insurance
cover has been in place without interruption during this period, we will classify the
contract in the next better SF class according to the table in paragraph 6 a);
b) Coming into effect:
The upgrade applies from the beginning of the new insurance year. (4) Downgrading in
the event of a loss-affected course
a) Current contracts:
If the contract is burdened with damage, we will downgrade it on the date of the cover commitment
according to the table in paragraph 6 b).
The new deductible applies to the next reported legal protection case;
b) Terminated contracts:
For legal protection cases for which we issue a cover letter after the contract
has ended, the classification existing at the time of billing is decisive. There is
no downgrade.
(5) Damage-free or damage-burdened course within the meaning of the no-claims
systems
a) Damage-free course:
aa) The contract has run smoothly if the insurer
insurance cover existed from the beginning to the end of an insurance year and we
• have not made a payment in the out-of-court procedure or
• have not issued a cover letter for legal proceedings and no measures
have been taken that would trigger a cost risk according to § 5. ( Such
measures include, for example, hiring a lawyer or filing a lawsuit.);
bb) The contract is also deemed to be free of damage in the following cases:
• The legal protection case is concluded with an initial consultation.
• The legal protection case is in suitable cases ( that means regularly in the types of
services listed under § 2 a) to d)) settled with the help of an out-of-court dispute
resolution by a service provider / mediator proposed by us in accordance with §
5a.
 b) Damage-burdened course: § 6 - Where does the legal protection insurance apply?

aa) The course of the contract is burdened with damage if we weh- (1) Here you have insurance coverage:
rend one insurance year for a legal protection case
You have insurance cover if a court or an authority is or would be legally competent
• have made payment in out-of-court proceedings or in the following areas and you are pursuing your legal interests there:

• have given a cover letter for legal proceedings and measures have
been initiated that trigger a cost risk according to § 5. ( Such measures • in Europe,
include, for example, hiring a lawyer or filing a lawsuit.)
• in the countries bordering the Mediterranean,

• in the Canary Islands,

The reporting of several legal protection cases in one insurance year, which lead to a
loss-burdened course, triggers a multiple contract burden as well as multiple • in Madeira,
downgrades according to the table in paragraph 6 b);
• in the Azores.

Exception: Do you have tax, social justice, victim or administrative legal protection
bb) The contract is subject to damage in the following cases
( see § 2 e), § 2 f), § 2 l) and § 31 paragraph 1 d) insured, this only applies in
not before:
German courts. Do you have advisory legal protection in family, civil partnership
• The legal protection case is concluded with an initial consultation. and inheritance law or extended advisory legal protection ( see § 2 k) and § 31
paragraph 1 e) insured, you can only seek advice from a lawyer licensed in
• The legal protection case is in suitable cases ( that means regularly in the types of
services listed under § 2 a) to d)) settled with the help of an out-of-court dispute Germany.
resolution by a service provider / mediator proposed by us in accordance with §
5a.
(2) Here you have insurance coverage with restrictions:

c) Rights of termination remain unaffected by the freedom from damage and the burden of damage.
(6) Tables for the no-claims system with variable excess
a) Classification and deductible:
For the safeguarding of your legal interests outside the scope according to § 6
Paragraph 1, we shall pay the remuneration of the foreign lawyer commissioned
by you within the scope of the agreed types of services up to three times the
amount that would apply if the Lawyers' Remuneration Act (RVG ), up to a
maximum of € 300,000.

Duration of the damage-free uninterrupted course

We do this under following requirements:

Excess € • Your legal protection case must have occurred there during a maximum of six
months' stay.
Insurance years SF class Start 250 € Start 150 €
• Insurance coverage must not be limited to German courts
10 10 0 0 (see exception to § 6 paragraph 1).

9 9 50 0

8th 8th 50 50 2. What are the rules of the contractual relationship between you
7th 7th 100 50 and us?
6 6 100 50
§ 7 - When does the insurance cover begin?
5 5 150 100
Insurance cover begins at the time specified in the insurance policy. The prerequisite
4th 4th 150 100
for insurance cover is that you pay the first premium immediately 14 days after receipt
3 3 200 100 of the insurance policy. ( "Immediately" does not necessarily mean "immediately", but
2 2 200 150
rather "without undue hesitation or as quickly as possible".)

1 1 250 150
An agreed waiting time remains unaffected. ( That means: It applies in any case.)
0 250 150

M0 300 300 § 8 - How long is the contract concluded?

M1 350 350 (1) Contract duration:

M2 400 400 The contract is concluded for a period of one year. (2) Tacit

M3 450 450 extension:

M4 500 500 The contract is extended by one year at a time, unless you or we terminate the contract.

b) Downgrading in the event of legal protection: (3) Ordinary termination:

Cancel she the insurance contract, the cancellation must be given to us at the latest
from SF class according to SF class one month be received before the end of the respective insurance year.

10 0
Cancel we the insurance contract must be given to you at the latest three months be
9 M0
received before the end of the respective insurance year.
8th M0

7th M0
§ 9 - What should be considered when paying the premium?
6 M0
A. Insurance Tax and Payment Period
5 M0
(1) The insurance premium includes the insurance tax that you in the
4th M0
have to pay the amount determined by law.
3 M0
(2) You must pay the contributions for your insurance as agreed
2 M0 Pay the payment period (= insurance period). The payment period is 1 year, 6
months or 3 months depending on the agreement. You can see from your insurance
1 M0
policy whether you have agreed an annual, 6-month or 3-month payment with us.
0 M0

M0 M4 B. Payment and consequences of late payment / first premium

M1 M4 (1) Due date for payment:

M2 M4 When you receive the insurance policy from us, you must pay the first premium
M3 M4 immediately after 14 days. ( “Immediately” does not necessarily mean
“immediately”, but rather “without undue delay or as quickly as possible”.)
M4 M4

-9-
(2) Later start of insurance cover:
If you pay the first premium at a later point in time, the insurance cover does not
begin until this point in time. However, we must have drawn your attention to this
consequence of a late payment, in writing ( e.g. letter, fax, e-mail) or by a
conspicuous note in the insurance policy.
If you can prove to us that you are not responsible for the late payment, the
insurance cover begins at the agreed time.
(3) Resignation:
If you do not pay the first premium on time, we can withdraw from the contract as
long as the premium has not been paid. We cannot withdraw if you can prove that
you are not responsible for the late payment.
C. Payment and consequences of late payment / subsequent premium
(1) The subsequent contributions are due at the agreed time. (2) delay:
If you do not pay a follow-up premium on time, you will be in default, even without
having received a reminder from us. We are then entitled to demand compensation
for the damage we suffered as a result of the delay.
You will not be in default if you are not responsible for the late payment.
(3) Payment request:
If you do not pay a follow-up premium on time, we can give you a payment
period. This is done in text form ( e.g. letter, fax, e-mail) and at your expense. This
payment period must be at least two weeks.
Our request for payment is only effective if it contains the following information:
• The outstanding amounts, the interest and the costs must be specified in detail and
• The legal consequences associated with exceeding the deadline according to Paragraph 4 must
be specified.
(4) Exceeding the deadline:
• Loss of insurance coverage:
If you have still not paid by the end of the payment period, you will not have any
insurance cover from this point in time until payment. However, we must have
informed you of the loss of insurance cover when we requested payment in
accordance with paragraph 3.
• Termination of the insurance contract:
If you have still not paid after the payment deadline, we can terminate the contract without
observing a deadline. However, we must have informed you of the possibility of
termination without notice when we requested payment in accordance with paragraph 3.
If we have terminated your contract and you then pay the requested amount
within one month, the contract continues. But then you have legal protection
cases that occurred between the expiry of the payment period and your
payment, no insurance coverage.
D. Timeliness of payment for direct debit schemes (SEPA direct debit mandate)
(1) If you have agreed with us to collect the premium from an account,
payment is deemed to be on time if
• the contribution can be collected on the due date and
• Do not object to confiscation.
What happens if the premium due cannot be collected through no fault of yours?
In this case, the payment is still on time even if you have received a request in
writing ( e.g. letter, fax, e-mail) pay immediately. ( "Immediately" does not
necessarily mean "immediately", but rather "without undue hesitation or as
quickly as possible".)
(2) End of the direct debit procedure:
If you are responsible for the fact that the premium due cannot be collected, we
are entitled to demand payment outside of the direct debit procedure in the future.
However, you do not have to pay until we inform you in writing ( e.g. letter, fax,
e-mail) have asked.
E. Contribution in the event of early termination of the contract
In this case we are only entitled to that part of the premium that corresponds to
the period of insurance cover. This applies unless otherwise specified.
- 10 -
§ 10 - Which developments can lead to an adjustment of the contribution
to lead?
(1) For existing insurance contracts, we are at least once in
Calendar year entitled and obliged to check the contributions to see whether they
can be maintained or whether an adjustment has to be made. ( An adjustment
leads to an increase or decrease in the contributions.)
The purpose of the review is to ensure that:
• the long-term fulfillment of our obligations from the insurance contracts,
• the proper calculation of the contributions ( Tariff) and
• the balance of performance when the contract was concluded ( Offer insurance cover) and
consideration ( Pay insurance premium).
We apply the recognized principles of actuarial mathematics and actuarial
engineering for the review.
Insurance contracts which, according to actuarial principles, allow a similar risk
profile to be expected are summarized during the review.
(2) We are only entitled to make changes to the since the last time the
Contributions actually incurred and the development of claims costs (including claims
settlement costs) expected up to the next inspection must be taken into account. The
approach for profit as well as individual premium surcharges and deductions remain
unchanged.
(3) If the review reveals higher contributions than the previous ones, we are entitled
them to raise the difference.
If the review reveals lower contributions than the previous ones, we are obliged to reduce
them by the difference.
(4) Are the determined contributions for existing contracts higher than the contributions?
For new contracts to be concluded and if the tariffs for the existing and for the new
contracts to be concluded contain the same tariff features, the same information
on tariff features and the same scope of insurance, we can also only charge the
premiums for new contracts for the existing contracts .
(5) The premium will be changed at the beginning of the next insurance year
effective.
(6) If the adjustment consists of an increase in the previous contribution, it will be
only effective if we inform you of the increase in writing at least one month before it
takes effect ( e.g. letter, fax, e-mail) notify. The notification must show the difference
between the previous and the increased contribution. You can terminate the insurance
relationship within one month of receipt of the notification at the time at which the
increase should take effect ( see paragraph 5). We have to inform you of the right of
termination in the notification. An increase in the insurance tax does not constitute a
right of termination.
Section 11 - How does a major change affect your personal
or factual circumstances affect the contribution?
(1) If a circumstance occurs after the conclusion of the contract that, according to our tariff, is a
justifies higher than the agreed contribution? In this case, we can demand the
higher contribution for the higher risk arising from the occurrence of this
circumstance. If the higher risk is not covered according to our tariff, even in return
for a higher premium, we can exclude coverage for the higher risk.
You can terminate the insurance contract in the following cases:
• Your contribution increases by more than 10 percent or
• We refuse to cover the higher risk.
You can then terminate the contract within one month of receipt of our notification without
observing a notice period. We have to point out this right of termination in the notification.
We can only exercise our rights within one month of becoming aware of them.
(2) If a circumstance occurs after the conclusion of the contract which, according to our tariff, is a
justifies less than the agreed contribution? In this case, we can only demand the
lower premium from the onset of this fact. If you notify us of this fact later than
two months after it occurs, we will only reduce the premium from the receipt of
the notification.
(3) You must inform us within one month of receiving a request
provide the information required to calculate the premium. If you breach this obligation,
we can terminate the contract with one month's notice if your breach of obligation was
intentional or grossly negligent. You must prove that there was no gross negligence. If
you intentionally incorrectly provide this information by the deadline or if you
deliberately fail to provide the required information and if the legal protection case
occurs later than one month after the time at which we should have received the
information, you will not have any insurance cover. This does not apply if we were
aware of the occurrence of the circumstance at the time. Is the failure to provide the
required information or the
 incorrect information on gross negligence, we can reduce the scope of the
insurance cover in a proportion corresponding to the severity of your fault. You
must prove that there was no gross negligence. You still have insurance cover if
the deadline for our termination had expired at the time of the legal protection
case and we have not terminated. The same applies if you can prove that the risk
was neither the cause of the legal protection case nor the scope of our service.
(4) The above regulations do not apply if there is a risk
increased only insignificantly. The same applies if, according to the circumstances, it is to be regarded
as agreed that the increase in risk should also be insured.
§ 12 - What happens if the insured interest lapses?
(1) If the insurance cover is no longer necessary because the external circumstances
have changed? ( Example: You tell us that you no longer have a car.) Then the
following applies ( unless otherwise agreed):
The contract ends as soon as we have learned that the external circumstances have changed.
We are only entitled to partial contributions up to this point in time.
(2) The insurance cover continues after your death until the end of
Insurance period if the premium was paid on the day of death and the insurance
is not terminated for other reasons or the subject of the insurance is no longer
applicable. When the next premium due is paid, insurance cover remains in place
on the day of death.
The person who paid the premium or for whom it was paid becomes the policyholder
instead of the deceased. Within one year of the date of death, he can request that the
insurance contract be terminated from the date of death.
§ 13 - In which cases can the contract be terminated early?
(1) After each occurrence of a legal protection case, you are subsequently entitled to
our legal protection decision the right to prematurely terminate the contract. We must
receive the notice of termination within one month.
(2) If at least two legal protection cases have been filed within twelve months
and is there insurance coverage for this? In this case, we can also terminate the
contract early.
When do we have to cancel? You must receive the notice of termination within one month after
we have confirmed our obligation to provide benefits for the second or a further legal protection
case. Notice of termination must be given in writing.
(3) If you cancel, your cancellation will take effect as soon as we receive it. she
can, however, determine that the termination will take effect at a later date; however,
at the latest at the end of the insurance year.
Our cancellation will take effect one month after you have received it.
§ 14 - When do the claims from the insurance contract expire?
(1) Statutory limitation:
The claims from the insurance contract expire after three years. The calculation of the
deadline is based on the general provisions of the German Civil Code.
(2) The statute of limitations is suspended ( "inhibited"):
If you have registered a claim from your insurance contract with us, the statute of
limitations is suspended. The suspension takes effect from the time you register
until you receive our decision in text form ( e.g. letter, fax, e-mail) approaches. ( That
means: When calculating the limitation period, we do not take into account, in your
favor, the period from the notification until you receive our decision.)
§ 15 - What legal status do co-insured persons have?
(1) Insurance cover exists for you and to a certain extent for
the other persons named in § 21 to § 28, §§ 30, 31 or in the insurance policy.
In addition, there is insurance cover for claims to which natural persons are
entitled by law if they or a co-insured person have been injured or killed. ( A
“natural person” is a person, as opposed to a “legal person”. This is for example a
GmbH, an AG or a registered association.)
If you or a co-insured person has been killed by a criminal offense according to § 2 l), legal
protection exists for participation as a joint plaintiff according to § 2 l) for the respective
spouse / registered life partner or another person from the group of the respective children,
parents and siblings.
(2) Co-insured life partners are:
a) legitimate or registered partners;
b) unmarried or unregistered life partners.
- 11 -
The co-insurance of the unmarried or unregistered civil partner presupposes that
there is a domestic cohabitation and that neither you nor your civil partner are
otherwise married or that there is another registered civil partnership for them.
(3) For co-insured persons, the relevant provisions apply analogously.
according to. However, you can object if another co-insured person than your
marital / registered partner demands legal protection.
§ 16 - What do you have to consider with notifications and statements to us?
(1) All notifications and declarations intended for us are in text form ( to the
Example letter, fax, e-mail) submit. They should be sent to the head office or to
the office designated as responsible in the insurance policy or its supplements.
(2) If you have not notified us of a change in your address, one is sufficient
Declaration of intent to be given to you, the sending of a registered letter to the last
known address. The declaration becomes effective at the point in time at which you
would have received it without the change of address in the case of regular
transport.
3. What should be considered in the event of legal protection?
§ 17 - What rights and obligations exist after a legal
protection case?
Obligations describe all rules of conduct that you and the insured person must
observe in order to be entitled to insurance cover.
(1) What do you have to do if a legal protection case arises and you insure
need protection?
a) You or the lawyer commissioned by you must report the legal protection case
to us immediately notify, if necessary by telephone. ( "Immediately" does not
necessarily mean "immediately", but rather "without undue delay or as quickly
as possible".);
b) You or the lawyer commissioned by you must contact us
• complete and truthful inform about all circumstances of the legal protection
case,
• provide all evidence and
• make documents available to us on request.
All documents submitted by you are transferred to our property at the same
time as they are sent;
c) Cost-generating measures must be coordinated with us if possible, as far as
this is reasonable for you. ( Measures that generate costs include, for example,
bringing a lawsuit or filing an appeal.);
d) (not applicable)
(2) We will confirm the scope of the insurance coverage for the
specific legal protection case exists.
However, take measures to enforce your legal interests,
• before we have confirmed the scope of the insurance cover and
• Are there costs associated with such measures?
Then we just wear the costs, which we would have had to bear if the insurance cover had
been confirmed before these measures were initiated.
(3) You have the right to a free choice of lawyer. That means the legal
walt can she Select from the group of lawyers whose remuneration we pay according to §
5 Paragraph 1 a) and b). You are not bound to a recommendation from us.
If you have not yet engaged your lawyer, we can do so on your behalf.
(4) We choose the lawyer,
• if you request it or
• if you do not appoint a lawyer and we consider it necessary to hire a lawyer
immediately.
If we select the lawyer, we will hire him on your behalf. We are not responsible for
the lawyer's work.
(5) After hiring the lawyer, you must do the following: Your
Lawyer
• teach completely and truthfully,
• indicate the evidence,
• provide the possible information,
• Obtain the necessary documents and
• Provide us with information on the status of your matter on request.
(6) If you have one of the obligations mentioned in paragraphs 1 to 5 in front- If you do not have a place of residence, we can bring the action to the court of your habitual
additionally violate, you lose your insurance coverage. residence.

At grossly negligent breach of an obligation we are entitled to reduce our • If your place of residence or habitual abode is not known at the time the action is brought,
at the registered office of our insurance company or at the registered office of the branch
performance in a proportion corresponding to the severity of your fault. ( Example of responsible for your contract.
"grossly negligent behavior": someone violates the required due diligence to an
unusually high degree.)
• If you are a legal person or a general partnership, limited partnership, company
If you breach an obligation to provide information or to provide clarification after the occurrence under civil law or a registered partnership, the court at your registered office or
branch is responsible.
of the legal protection case, this can also lead to the complete or partial loss of insurance
cover. However, this assumes that we have given you a separate notification in writing
beforehand ( e.g. letter, fax, e-mail) have informed about these obligations.

4. In what forms is legal protection offered?

The insurance cover remains in effect if you can prove that you have not violated the
obligations through gross negligence.
§ 21 - Traffic legal protection
The insurance cover also remains in place in the following case:
(1) You are insured in your capacity as owner or
You prove that the breach of obligations was not the cause Holder of any motor vehicle registered for you or with an insurance number in
• for the occurrence of the legal protection case,
your name or, as the hirer, of any motor vehicle rented by you as a self-drive
rental vehicle for temporary use on land and a trailer. The insurance cover
• for the establishment of the legal protection case or extends to all persons in their capacity as authorized drivers or authorized
• for the determination or the scope of our service. ( Example: You have not coordinated occupants of these motor vehicles. ( Any person who drives or uses the vehicle
your appeal with us. In the event of a subsequent check, however, we would have with your consent is authorized.)
confirmed the assumption of costs even if we agreed in good time.)

The insurance coverage does not exist if you fulfill your obligation (2) The insurance cover can be limited to similar motor vehicles according to paragraph 1.
Motorcycles, passenger cars and station wagons, trucks and other commercial vehicles,
malicious have hurt.
buses and trailers are considered to be of the same type.
(7) You can only claim insurance benefits with our
cede written consent. ( "Assignment" means: You transfer your claims to
insurance benefits that you have against us to your lawyer or another person.) (3) Notwithstanding paragraph 1, it can be agreed that insurance cover for one or
more of the motor vehicles specified in the insurance policy exists on land, on
water or in the air, as well as trailers (vehicles), even if they are not registered
(8) If another ( Example: your opponent) You costs of legal for you or yours Names are marked with an insurance label.
If we have to reimburse, then this claim is transferred to us as far as we have already
paid these costs.
(4) The insurance cover includes:
You have to give us the documents we need to enforce this claim. You must also
• Legal protection for damages. . . . . . . . . . . . . . . . . (§ 2 a)
cooperate in enforcing the claim if we request it.
• Legal protection in contract and property law. . . . . . (§ 2 d)

If you deliberately violate this obligation and we therefore do not get these costs • Tax legal protection. . . . . . . . . . . . . . . . . . . . . . . (§ 2 e)
reimbursed by the others, then we do not have to reimburse any further costs
• Administrative legal protection in traffic matters. . . . . (§ 2 g)
beyond the costs paid. If you have acted with gross negligence, we are entitled to
reduce the costs in proportion to the severity of your fault. You must prove that • Criminal legal protection. . . . . . . . . . . . . . . . . . . . . . . . . (§ 2 i)
you did not act with gross negligence. ( Example of "grossly negligent behavior":
• Legal protection against administrative offenses. . . . . . . . . . . . (§ 2 j)
Someone violates the due care required in traffic to an unusually high degree.)
• Victims legal protection. . . . . . . . . . . . . . . . . . . . . . . . (§ 2 l)

(5) Legal protection in contract and property law can be excluded.

In some cases, after the conclusion of a legal protection case, repayments may
also be made, which we may be entitled to in whole or in part and therefore have
(6) In the cases of paragraphs 1 and 2, legal protection under contract and property
to be repaid to us. Please contact us immediately if you receive a payment. We
law also applies to contracts with the aim of purchasing motor vehicles on land
then clarify together who is entitled to the amount and thus avoid later claims. ( "Immediately"
and trailers for non-temporary personal use, even if these vehicles are not
does not necessarily mean "immediately", but rather "without undue hesitation or
registered for you or not have an insurance label in your name.
as quickly as possible".)

§ 18 - (not applicable) § (7) With the exception of legal protection under contract and property law, insurance
cover also exists for you when participating in public traffic in your capacity as
19 - (not applicable)

• Driver of any vehicle that neither belongs to you nor is registered in your name
§ 20 - Which court is for claims from the insurance contract or has an insurance license plate in your name,
responsible and which law is applicable?
• passenger,
(1) Applicable law:
• Pedestrians, wheelchair users, roller skaters, skateboarders, kickboarders and inline skaters as well
German law applies to this insurance contract. (2) Lawsuits

against the insurance company:

• cyclists.
If you want to sue us, you can file the lawsuit at the following locations:
(8th) When the legal protection case occurs, the driver must have the required driving
license, be authorized to drive the vehicle and the vehicle must be registered or
• At the headquarters of our insurance company or at the headquarters of the branch responsible have an insurance license plate. In the event of a breach of this obligation, legal
for your contract,
protection exists only for those persons who were not aware of this breach ( Waiver
of objection of grossly negligent ignorance).
or

• if you are a natural person, also at the court of your place of residence.
The insurance cover remains in effect even if the insured person or the driver can prove
(A "natural person" is a person, as opposed to a "legal person". This is, for
that the breach of the obligation was neither the cause of the occurrence or the
example, a GmbH, an AG or a registered association.) If you do not have a place of
establishment of the legal protection case nor the establishment or scope of the service
residence, you can bring the action at the court of your habitual residence.
incumbent on us.

(9) If, in the cases of paragraphs 1 and 2, no vehicle has been registered for you for at
(3) Lawsuits against the policyholder:
least six months or is no longer provided with an insurance number in your name,
If we need to sue you, we can file the claim in the following locations: you can cancel the insurance contract immediately, without prejudice to your right
to reduce the premium under Section 11 paragraph 2 Demand effect.

• If you are a natural person, at the court in your place of residence. ( A “natural
person” is a person, as opposed to a “legal person”. This is for example a GmbH, (10) If a vehicle insured according to paragraph 3 is sold or it is noticed
an AG or a registered association.)
otherwise, there is insurance cover for the vehicle that is connected to

- 12 -
 replaces the previously insured vehicle ( Follower vehicle). In these cases, legal
protection in contract and property law extends to the contract on which the actual
or intended acquisition of the subsequent vehicle is based.
You must notify us of the sale or other loss of the vehicle within two months and
designate the following vehicle. In the event of a breach of these obligations, legal
protection is only available if you have not intentionally neglected the obligation to
notify and indicate ( Waiver of objection to grossly negligent violation of the duty to
notify and label).
The insurance cover remains in place even if you can prove that the breach of the
obligation was neither the cause of the occurrence or the establishment of the legal
protection case nor of the establishment or the scope of the service incumbent on us.
If the follow-up vehicle is acquired before the insured vehicle is sold, it remains
insured until it is sold, but no longer than one month after the acquisition of the
follow-up vehicle without an additional contribution. If a vehicle is acquired within
one month before or within one month after the sale of the insured vehicle, it is
assumed that it is a follow-up vehicle.
(11) Notwithstanding paragraph 1 sentence 1, it can be agreed that insurers
Insurance coverage is provided for all motor vehicles on land or trailers that are
registered for you and your life partner who is co-insured in accordance with Section
15 (2) or that have an insurance number. The same also applies to vehicles that are
permitted for underage children as well as unmarried children of full age who are not
in a registered civil partnership, provided that the latter are not yet engaged in a
permanent professional activity and receive a performance-related remuneration for
this.
Paragraph 7 applies accordingly to the co-insured persons.
§ 22 - Driver legal protection
(1) Insurance cover exists for the person named in the insurance policy
but when participating in public transport in their capacity as the driver of any
motor vehicle on land, on water or in the air, as well as a trailer (vehicle) that
neither belongs to them nor is registered on them or has an insurance number in
their name . Insurance cover also exists when participating in public transport as
• passenger,
• Pedestrians, wheelchair users, roller skaters, skateboarders, kickboarders and inline skaters as well
• cyclists.
(2) Companies can arrange the insurance protection according to paragraph 1 for all drivers
in the exercise of their professional activity for the company. This agreement can also be
made by companies in the motor vehicle trade and trade, driving schools and petrol
stations for all employees.
(3) The insurance cover includes:
• Legal protection for damages. . . . . . . . . . . . . . . . . (§ 2 a)
• Tax legal protection. . . . . . . . . . . . . . . . . . . . . . . (§ 2 e)
• Administrative legal protection in traffic matters. . . . . (§ 2 g)
• Criminal legal protection. . . . . . . . . . . . . . . . . . . . . . . . . (§ 2 i)
• Legal protection against administrative offenses. . . . . . . . . . . . (§ 2 j)
• Victims legal protection. . . . . . . . . . . . . . . . . . . . . . . . (§ 2 l)
(4) If, in the cases of Paragraph 1, a motor vehicle is registered on land for the person
named in the insurance policy or is provided with an insurance number in their name,
the insurance cover is converted into such a vehicle in accordance with Section 21
Paragraphs 3, 4, 7, 8 and 10 . The safeguarding of legal interests in connection with
the acquisition of this motor vehicle on land is included.
(5) When the legal protection case occurs, the driver must have the required driving
license, be authorized to drive the vehicle and the vehicle must be registered or
have an insurance license plate. In the event of a breach of this obligation, legal
protection is only available if the driver was not aware of this breach ( Waiver of
objection of grossly negligent ignorance).
The insurance cover remains in effect even if the driver proves that the breach of the
obligation was neither the cause of the occurrence or the establishment of the legal
protection case nor of the establishment or the scope of the service incumbent on us.
(6) If, in the cases of paragraph 1, the person named in the insurance policy has not had a
driving license for more than six months, the insurance contract ends. If you report the
lack of a driver's license within two months of the end of the six-month period at the latest,
the insurance contract ends when the six-month period expires. If we receive the
notification later, the insurance contract ends upon receipt of the notification.
- 13 -
§ 23 - Private legal protection for the self-employed
Not available
§ 24 - Professional legal protection for the self-employed, legal protection for companies
and clubs
Not available
§ 25 - Private and professional legal protection
(1) For the private and the non-self-employed professional area exists
Insurance cover for you and your co-insured life partner in accordance with Section 15 (2).
There is no insurance cover for the exercise of legal interests in connection with
a commercial, freelance or other self-employed activity.
(2) The following are also insured:
a) underage children;
b) unmarried children of full age, including those not living in a registered civil
partnership, but no longer than the point in time at which they first start a
permanent professional activity and receive a performance-related
remuneration for this.
(3) The insurance cover includes:
• Legal protection for damages. . . . . . . . . . . . . . . . . (§ 2 a)
• Legal protection at work, also as an employer
for domestic employment
and care conditions. . . . . . . . . . . . . . . . . . . . . (§ 2 B)
• Legal protection in contract and property law. . . . . . (§ 2 d)
• Tax legal protection. . . . . . . . . . . . . . . . . . . . . . . (§ 2 e)
• Social court legal protection. . . . . . . . . . . . . . . . . . (§ 2 f)
• Disciplinary and professional legal protection. . . . . . . . . . (§ 2 h)
• Criminal legal protection. . . . . . . . . . . . . . . . . . . . . . . . . (§ 2 i)
• Legal protection against administrative offenses. . . . . . . . . . . . (§ 2 j)
• Counseling legal protection in family,
Civil partnership and inheritance law. . . . . . . . . . . . (§ 2 k)
• Victims legal protection. . . . . . . . . . . . . . . . . . . . . . . . (§ 2 l)
• HUK-COBURG legal advice. . . . . . . . . . . . . . . . (§ 30)
(4) The insurance cover does not include the perception of legal interests as owner,
keeper, purchaser, lessor, lessee, lessee or driver of a motor vehicle on land, on
water or in the air or as a trailer.
(5) (not applicable)
(6) Legal protection60 ( Private legal protection):
Notwithstanding paragraphs 1 to 4, it can be agreed that the insurance cover is in
labor legal protection ( see § 2 b) relates exclusively to the safeguarding of legal
interests from a company pension scheme as well as with regard to retirement
payments and claims under public law from an employment relationship under
public law.
The prerequisite for this is that you have reached the age of 60.
The safeguarding of legal interests from existing employment / employment relationships -
even for persons who are also insured - is not insured.
§ 26 - Private, professional and traffic legal protection
(1) For private and non-self-employed professional areas, there is
You and your co-insured life partner in accordance with Section 15 (2) have insurance cover.
With the exception of the transport sector, there is no insurance cover for the
pursuit of legal interests in connection with a commercial, freelance or other
self-employed activity.
(2) Also insured are:
a) underage children;
b) unmarried children of full age, including those not living in a registered civil
partnership, but at the latest until the point in time when they first start a
permanent professional activity and receive a performance-related
remuneration for this;
c) all persons in their capacity as authorized drivers and authorized occupants,
anyone who is authorized to use you, your co-insured partner or co-insured
children at the time the contract is concluded or during the term of the
contract, or has an insurance label in their name or is self-propelled by this
group of people. Rental vehicle for temporary use of rented motor vehicles on
land and trailers.
(3) The insurance cover includes:
• Legal protection for damages. . . . . . . . . . . . . . . . . (§ 2 a)
• Legal protection at work, also as an employer
for domestic employment
and care conditions. . . . . . . . . . . . . . . . . . . . . (§ 2 B)
• Legal protection in contract and property law. . . . . . (§ 2 d)
• Tax legal protection. . . . . . . . . . . . . . . . . . . . . . . (§ 2 e)
• Social court legal protection. . . . . . . . . . . . . . . . . . (§ 2 f)
• Administrative legal protection in traffic matters. . . . . (§ 2 g)
• Disciplinary and professional legal protection. . . . . . . . . . (§ 2 h)
• Criminal legal protection. . . . . . . . . . . . . . . . . . . . . . . . . (§ 2 i)
• Legal protection against administrative offenses. . . . . . . . . . . . (§ 2 j)
• Counseling legal protection in family,
Civil partnership and inheritance law. . . . . . . . . . . . (§ 2 k)
• Victims legal protection. . . . . . . . . . . . . . . . . . . . . . . . (§ 2 l)
• HUK-COBURG legal advice. . . . . . . . . . . . . . . . (§ 30)
(4) There is no legal protection for the pursuit of legal interests as the owner,
keeper, buyer, lessor, tenant and lessee of a motor vehicle on water or in the air.
(5) When the legal protection case occurs, the driver must have the required driving
license, be authorized to drive the vehicle and the vehicle must be registered or
have an insurance license plate. In the event of a breach of this obligation, legal
protection exists only for those persons who were not aware of this breach ( Waiver
of objection of grossly negligent ignorance).
The insurance cover remains in effect even if the insured person or the driver can prove
that the breach of the obligation was neither the cause of the occurrence or the
establishment of the legal protection case nor the establishment or scope of the service
incumbent on us.
(6) (not applicable)
(7) If you, your co-insured partner or the co-insured children have not been registered
with a motor vehicle on land and no trailer has been registered for at least six
months, or if they have been given an insurance number in their name, you can
request that the insurance cover change to one Section 25 is converted. Such a
conversion occurs automatically if the same requirements are met and you, your
co-insured partner and the co-insured children no longer have a driving license. If
we are notified of the facts that caused the conversion of the insurance cover later
than two months after their occurrence, the conversion of the insurance cover will
not take place until the notification is received.
(8th) Legal protection60 ( Private and traffic legal protection):
Notwithstanding paragraphs 1 to 7, it can be agreed that the insurance cover is in
labor legal protection ( see § 2 b) relates exclusively to the safeguarding of legal
interests from a company pension scheme as well as with regard to retirement
payments and claims under public aid law from an employment relationship under
public law.
The prerequisite for this is that you have reached the age of 60.
The safeguarding of legal interests from existing employment / employment relationships -
even for persons who are also insured - is not insured.
(9) Single private, professional and traffic legal protection:
Notwithstanding paragraphs 1 and 2, it can be agreed upon your request that
the insurance cover relates exclusively to you, unless you wish to take out legal
protection60 (private and traffic legal protection).
The prerequisite for this is that you
• are unmarried,
• have no registered or illegitimate partner and
• do not have any children who are still insured.
If your living circumstances change so that one of these requirements no longer
applies to you, your insurance cover changes into private, professional and traffic
legal protection. The insurance coverage is not restricted to you. We collect the
contribution retrospectively at the time of your changed life situation.
§ 27 - Legal protection for agriculture and traffic
Not available
§ 28 - Private, professional and traffic legal protection for the self-employed
Not available
- 14 -
Section 29 - Legal protection for owners and tenants of apartments and
Land
(1) Insurance coverage exists
a) for self-used residential units
for all residential units in Germany that are used exclusively for residential
purposes, that is, not for freelance, commercial or other self-employed
activities. Legal protection cases related to personal use are insured. This
also applies if they only occur after moving out of an insured property. The
same applies to legal protection cases that relate to a new property and occur
before the planned or actual move. Garages or vehicle parking spaces
allocated to a residential unit are included. Disputes among co-owners or
tenants of the same insured property are excluded. A residential unit that is
partially used for commercial purposes is treated as equivalent if the
commercial use is less than 20%.
b) for residential units, commercial units and land that you do not use yourself as
• owner,
• landlord,
• lessor,
• tenants,
• tenants,
• Beneficiary
of land, buildings or parts of buildings that are specified in the insurance
policy. Garages or vehicle parking spaces allocated to a residential unit are
included. Disputes among co-owners as landlords or co-tenants of the same
insured property are excluded.
(2) The insurance cover includes:
• Housing and property legal protection. . . . . . . (§ 2 c)
• Tax legal protection. . . . . . . . . . . . . . . . . . . . . . . (§ 2 e)
(3) Insofar as the premium for rented properties is calculated on the basis of the gross
annual rent, the relevant gross annual rent increases or decreases according to the
percentage at which the price index for housing rents of the Federal Statistical Office for
the month of June of each year is compared to the corresponding percentage Previous
year's value changed.
The adjustment will take effect at the beginning of the next insurance year.
You can object to the change within one month of receipt of the notification. We are
then entitled to provide the services only to the extent that it corresponds to the
ratio of the agreed contribution to the contribution resulting from the actual gross
annual rent at the time of the legal protection case.
§ 30 - HUK-COBURG legal advice
(1) The insurance cover includes initial legal counseling
speak. The costs per consultation are based on the version of the Lawyers'
Remuneration Act (RVG) valid at the time the legal protection case occurs and are
limited by the upper limit applicable to advising a consumer (currently: Section 34
(1) sentence 3, third half - sentence RVG). In this case there is no excess.
(2) Insurance cover exists for you and your life partner who is co-insured according to Section 15
(2)
a) for the private sector;
b) for the professional area in the exercise of a salaried activity.
(3) The following are also insured:
a) underage children;
b) unmarried children of full age, including those not living in a registered civil
partnership, but no longer than the point in time at which they first start a
permanent professional activity and receive a performance-related
remuneration for this.
(4) You are entitled to legal protection if you need advice on your own matters. This
also applies if there is no change in the legal situation or a violation of legal
obligations or legal provisions ( see § 4)
present.
§ 3 does not apply.
(5) If there is a need for forms or sample texts within the framework of HUK-COBURG legal
advice, we will make sure that they are available.
(6) The prerequisites for the initial telephone consultation are set according to your
telephone inquiry checked. At your request, we will connect you to an
independent law firm at our expense. We are not responsible for the work of the
lawyer.
§ 31 - Rechtsschutz PLUS for §§ 25 and 26
The insurance coverage of private and professional legal protection ( see § 25) and private,
professional and traffic legal protection ( see § 26) can be expanded as follows:
(1) The insurance cover also includes:
a) Legal protection in contract and property law. . . . . . (§ 2 d)
aa) notwithstanding § 3 paragraph 2 f) bb) there is insurance cover
also for safeguarding legal interests from the capital investment transactions
listed there as well as financial and asset investments;
bb) notwithstanding § 3 paragraph 2 j) there is insurance cover for the
Safeguarding legal interests in the causal connection with the acquisition
or sale of timeshare rights ( Time sharing) on land, buildings or parts of
buildings.
The reimbursement of costs for these legal protection cases according to paragraph 1 a) is on
10,000 € per legal protection case limited. We add up payments for you and
co-insured persons due to the same legal protection case;
b) Tax legal protection. . . . . . . . . . . . . . . . . . . . . . . (§ 2 e)
notwithstanding § 2 e) there is insurance cover in the private,
non-self-employed area for the protection of legal interests in the objection
proceedings preceding the action;
c) Social court legal protection. . . . . . . . . . . . . . . . . (§ 2 f)
Notwithstanding § 2 f), insurance cover also exists for the perception of legal
interests in the objection proceedings preceding the action;
d) Administrative legal protection. . . . . . . . . . . . . . . . . . (§ 2 g)
Notwithstanding Section 2 g), there is insurance cover for the perception of legal
interests in non-traffic law matters before German administrative courts and in
objection proceedings that precede these legal proceedings. This only applies if the
insurance cover is not already included in the types of benefits according to § 2
paragraphs b), c),
e) or h) is included.
However, insurance cover only exists three months after the start of insurance
( Waiting period);
e) Extended legal protection for advice
aa) the lawyer in matters of § 2 k) will use the advisory
out of court, there is also insurance cover for the out-of-court
representation of interests. However, this does not apply to separation
and follow-up matters or divorce and follow-up matters, as well as in the
case of termination of the civil partnership. The reimbursement of costs
is limited to € 1,000 per legal protection case;
bb) for a counseling interview with someone who is approved in Germany
Lawyer for drawing up or amending a living will including a power of
attorney or the drawing up of a will or care decree. Reimbursement is
limited to € 250 per insurance year. In this case, we will not deduct the
deductible agreed with you.
You are entitled to this benefit if you need advice on your own matters;
f) Legal protection in care proceedings
for safeguarding legal interests in direct connection with care orders
according to §§ 1896 ff. BGB against you or a co-insured person. The
reimbursement of costs is limited to € 1,000 per legal protection case.
You are entitled to this benefit when the supervision procedure is initiated;
g) Legal protection for out-of-court conflict resolution in construction matters
Notwithstanding § 3 Paragraph 1 d), there is insurance cover for the matters listed
there for an out-of-court dispute resolution mediated by us ( e.g. mediation) according
to § 5a for each construction item;
h) Legal protection for photovoltaic systems
notwithstanding § 3 Paragraph 1 d), § 3 Paragraph 2 k), there is insurance cover
for safeguarding legal interests in connection with the acquisition, installation and
operation of a photovoltaic system for private and commercial use. However, this
only applies if the facility
• Does not require a permit or procedure according to the relevant state
building regulations and
- 15 -
• is on the roof of an object owned by you and / or by the co-insured persons;
i) Legal protection for out-of-court dispute settlement in family, civil partnership and
inheritance law
Notwithstanding Section 3 (2) g), there is insurance cover for matters of
family, civil partnership and inheritance law for an out-of-court dispute
settlement procedure proposed by us
(for example mediation) according to § 5a per legal protection case.
In matters of family and civil partnership law, you can only use one of our
proposed out-of-court dispute settlement procedures once for legal protection
cases in causal connection with a marriage or partnership, even after its
termination
(for example mediation) according to § 5a.
In separation and follow-up matters or divorce and follow-up matters,
insurance cover only exists for legal protection cases that have occurred after
a waiting period of three months from the commencement of insurance.
j) Advice on legal protection in the event of private copyright infringements on the Internet
Notwithstanding § 3 Paragraph 2 d), there is insurance cover for disputes in
causal connection with copyrights for an initial consultation with a lawyer
licensed in Germany. This assumes that you or a co-insured person as a
private person is accused of violating copyright on the Internet. In this case
we will not deduct the deductible agreed with you. If the lawyer acts beyond
this, we will only reimburse the costs incurred through the initial consultation
within the framework of the statutory fees provided for this see § 5 paragraph
1 a) sentence 4). Reimbursement is limited to € 1,000 per insurance year;
k) Extended criminal legal protection. . . . . . . . . . . . . . . . (§ 2 i)
Notwithstanding § 2 i), insurance cover also exists for the defense against
accusations of a deliberate offense in the private and non-self-employed
professional area as well as in the exercise of an unpaid voluntary activity. ( Offenses
are offenses that are at least threatened with imprisonment of less than one
year or a fine. Only offenses that can be committed intentionally are, for
example, insults, theft and fraud.)
You have insurance cover as long as you have not been convicted of an
intentional act. If it is legally established that you intentionally committed the
offense, the insurance cover does not apply retrospectively. In this case, you are
obliged to reimburse us for the costs that we have borne for the defense on
account of the allegation of willful behavior.
They have none Insurance coverage if you have one crime is accused. ( A
crime is an offense with a minimum of one year imprisonment. Crimes include
manslaughter, robbery, sexual assault, rape or arson.)
(2) Are also insured
a) Your parents and grandparents living in the same household as you, registered
there and retired. Under the same conditions, this also applies to the parents
and grandparents of your partner who is co-insured under Section 15 (2);
b) Your unmarried grandchildren, including those not living in a registered partnership,
who live with you in the same household and are registered there. However, the
co-insurance is valid up to the point in time at which you first engage in a permanent
professional activity and receive a performance-related remuneration for this. Under
the same conditions, this also applies to the grandchildren of your co-insured partner
in accordance with Section 15 (2).
This does not apply if you have agreed individual legal protection in accordance with Section 26 (9).
(3) Extended Worldwide Coverage
Notwithstanding Section 6 (2), there is insurance cover if your legal protection
case occurred there during a stay of no more than 12 months.
Note on data processing
The HUK-COBURG insurance group has committed to complying with the Code of
Conduct. These “rules of conduct for the handling of personal data” were drawn up jointly
by the German Insurance Association (GDV), the data protection supervisory authorities
and the Bundesverband eV (Consumer Central Association). The rules voluntarily go
beyond the applicable data protection regulations and underline that the protection of
customer data has top priority. With this self-commitment, the insurance industry is taking
on a pioneering role when it comes to data protection. The complete wording of the rules of
conduct is available at www.huk.de/datenschutz.