Legal protection cover in your insurance

If you find yourself involved in a legal dispute and need financial support, you should always use the legal protection cover under your insurance. Legal protection cover should help to cover your expenses for legal counsel in disputes relating to your private life. Legal protection is automatically included in virtually all Swedish home and contents, home, and residential and leisure home insurances and in comprehensive insurance of boats and comprehensive/partial motor car insurance.

For the legal protection cover in your insurance to come into effect the dispute must have arisen with another party. You should have taken out insurance before the dispute arose. Some insurance have a rule that you must have had your insurance for at least two years in order to be able to make use of the legal protection cover. If you are in a dispute with someone you have been married to or living with, the legal protection cover does not normally apply if the dispute arises within two years of the marriage or the partnership coming to an end.

The conditions for legal aid can vary from one insurance company to another. Information about your legal protection cover can be found in your insurance policy, in the terms and conditions of insurance, or on the insurance companies' websites. Contact your insurance company where you are insured for further information.

Legal aid or legal protection cover

The main rule is that you should make use of the legal protection cover in your insurance when you need financial help in a legal dispute. This means that normally you will not receive legal aid if you have legal protection cover. If you have no insurance whatsoever this does not mean that you will be automatically entitled to legal aid. You cannot therefore decide not to take out home insurance and instead rely on being granted legal aid.