Legal Protection Insurance
Your convenient access to legal assistance. Anyone may need legal assistance or advice. We offer a sense of security and the opportunity to get free legal advice by phone every working day.
Why take out Legal Protection Insurance?
ERGO will reimburse the money spent on securing justice, will stand up for your rights in court, and will provide guidance on how to act in such a situation. If you get into a legal dispute, you can conveniently ask an ERGO lawyer for advice by phone. We have long-term experience in providing Legal Protection Insurance, including previously under the brand name D.A.S. Õigusabikulude Kindlustuse Aktsiaselts.
Advice by phone
If you have a dispute or suspect that you are the subject of unfair treatment, you can call us and ask for legal advice. Whether you are at home, on a trip or playing sports, a lawyer is just a phone call away.
You are equal to the opposing party
Whether the opposing party is a large company or a person behaving in an abusive manner, you can safely stand up for your rights with Legal Protection Insurance.
You can protect your whole family
In addition to yourself, you can also include your family members in the Legal Protection Insurance contract.
What does ERGO cover with Legal Protection Insurance?
The insurance premium for the Legal Protection Insurance basic plan starts from EUR 9 per month. It covers legal expenses of up to EUR 10,000. A monthly payment of EUR 12.75 covers legal expenses in the amount of EUR 15,000 and EUR 15 in the amount of EUR 20,000. This includes the following covers.
Adult with minor children
One adult and their minor children are insured. This includes your shared children as well as your and your spouse’s or partner’s child(ren) from previous cohabitation.
Main immovable property
The plan also includes one main immovable property, which is usually your home.
What does ERGO cover with Legal Protection Insurance?
The insurance premium for the Legal Protection Insurance basic plan starts from EUR 9 per month. It covers legal expenses of up to EUR 10,000. A monthly payment of EUR 12.75 covers legal expenses in the amount of EUR 15,000 and EUR 15 in the amount of EUR 20,000. This includes the following covers.
One adult and their minor children are insured. This includes your shared children as well as your and your spouse’s or partner’s child(ren) from previous cohabitation.
The plan also includes one main immovable property, which is usually your home.
Additional covers
In addition to the legal covers in the basic plan, you can also choose additional covers for an extra fee.
Another adult
Your partner or spouse and their minor child(ren) are also insured.
From EUR 3 per month.
Vehicles
You can add cover to disputes related to your own vehicles and those owned by other insured persons in the contract (including leased cars) and to the resolution of disputes arising from driving.
EUR 3 per month.
Additional immovable property
Adding another immovable property belonging to you or other insured persons and protecting yourself from disputes arising from it (e.g., rent disputes).
EUR 3 per month.
Additional covers
In addition to the legal covers in the basic plan, you can also choose additional covers for an extra fee.
Your partner or spouse and their minor child(ren) are also insured.
From EUR 3 per month.
You can add cover to disputes related to your own vehicles and those owned by other insured persons in the contract (including leased cars) and to the resolution of disputes arising from driving.
EUR 3 per month.
Adding another immovable property belonging to you or other insured persons and protecting yourself from disputes arising from it (e.g., rent disputes).
EUR 3 per month.
Why choose ERGO Legal Protection Insurance?
Legal Protection Insurance helps in situations where you or your family have been treated unfairly and involve financial expenses or lost indemnities. Why sign a contract with ERGO?
At ERGO, minor children are always protected free of charge in their parents’ contract. In addition to biological children, it is permitted to include the child(ren) of your partner or spouse from previous cohabitation.
If you enter into at least three (3) different property insurance contracts at ERGO, the deductible in home and motor hull insurance cases is EUR 100 cheaper for you.
Providing legal protection for yourself and your family is very advantageous compared to hiring a lawyer. You can get basic cover from as little as EUR 9 per month.
Examples of our clients
Here you will find a number of examples of areas where ERGO legal assistance helped to solve the problem. Take out Legal Protection Insurance and keep your worries under control!
The repair company took an advance payment, but did not carry out the agreed work
The client contacted ERGO Legal Protection Insurance because they had ordered the renovation of their apartment from the repair company, but after paying the advance payment, the repair company began to delay the start of work.
The prepayment was paid by the insured person in cash; however, the client was fortunate enough to obtain written confirmation from the member of the company’s management board regarding the payment. They also managed to take a photo of the identity document of the member of the management board. Later, the member of the management board of the repair company repeatedly made promises to start repair work and set various new deadlines, but failed to fulfil all their promises. In the end, the insured person was no longer able to contact the member of the management board of the repair company, which is why they contacted ERGO Legal Protection Insurance.
Since the repair company had significantly delayed the start of work, i.e., violated the obligations arising from the contract for services, the lawyer prepared an application for withdrawal from the contract on behalf of the client. At the same time, a claim was submitted to the repair company for the return of money paid in advance. The opposing party objected to the claim, arguing that they had not received any money in advance. When the lawyer sent a written confirmation of receipt of the advance payment to the member of the management board of the repair company, which they had prepared themselves, together with a copy of their identity document, then the member of the management board of the repair company no longer responded to the lawyer’s letters.
Then there was no choice but for the lawyer to prepare an application for an expedited payment order to the court. The opposing party did not raise any further objections. The court ordered the repair company to pay in favour of the client the amount paid in advance, interest on arrears, as well as the costs of the proceedings.
The employer unilaterally changes the terms and conditions of the contract
Legal Protection Insurance was contacted by a client whose employer unilaterally began to change the terms and conditions of the employment contract, more precisely the procedure for calculating the additional fee, when the coronavirus hit. As a result, the employee would have lost an estimated 20–30% of their salary on a monthly basis. Although it was a difficult time, lowering the employer’s business risks at the expense of employees was not justified.
In cooperation with the lawyer from Legal Protection Insurance, the client sent a letter to the employer informing that the premium scheme cannot be changed unilaterally. In this case, the premium was a part of the salary, the amendment of which is possible only by agreement of the parties. The letter also informed the employer that the employee is ready to contact the labour dispute committee to protect their rights, and if the client incurs legal expenses, they will be indemnified by ERGO Legal Protection Insurance. The employer realised that they had behaved incorrectly and that there was no point in arguing with the employee.
After a slight delay, the employer paid the employee a lesser-paid premium.
You have the right to receive a refund for a package tour that was cancelled due to an emergency situation
The tour operator cancelled the family’s package tour due to the national emergency situation declared this spring and initially refused to refund the money. The tour operator offered the client a new trip for a certain period of time as a replacement, but the family did not want it. The client decided to contact Legal Protection Insurance, and lawyers began to handle the case.
The lawyers prepared a reasoned demand letter with legal bases for the tour operator, and after a short correspondence between the lawyer and the tour operator, the tour operator returned all the travel instalments paid by the client. The client did not incur any extra costs, as the client had Legal Protection Insurance, and the extrajudicial procedural costs were indemnified by ERGO.
Getting a full refund for a used car
The client bought a used car, which, according to the advertisement, was supposed to be in good condition, well maintained, many body parts replaced, and anti-corrosion was done. After the client had been driving the vehicle for a while, a suspicious knocking sound began to be heard. When the client went to the repair shop, it turned out that the bottom of the vehicle had completely eroded, and according to the workshop, driving the car was even life-threatening.
The client then wanted to withdraw from the sales contract, but the seller did not agree. They contacted ERGO Legal Protection Insurance for help, but the seller refused to return the money even after a withdrawal application sent by ERGO’s lawyers.
The lawyers recommended ordering an expert assessment of the vehicle, which established that driving the vehicle was life-threatening and, given the price of the vehicle, it should have been in very good condition. However, the seller still refused to return the money after the result of the expert assessment.
Following lengthy negotiations with the help of ERGO’s lawyers, the seller agreed to inspect the car and take it back if the vehicle was in the same condition as when it was sold. That is what they finally did.
Examples of our clients
Here you will find a number of examples of areas where ERGO legal assistance helped to solve the problem. Take out Legal Protection Insurance and keep your worries under control!
The client contacted ERGO Legal Protection Insurance because they had ordered the renovation of their apartment from the repair company, but after paying the advance payment, the repair company began to delay the start of work.
The prepayment was paid by the insured person in cash; however, the client was fortunate enough to obtain written confirmation from the member of the company’s management board regarding the payment. They also managed to take a photo of the identity document of the member of the management board. Later, the member of the management board of the repair company repeatedly made promises to start repair work and set various new deadlines, but failed to fulfil all their promises. In the end, the insured person was no longer able to contact the member of the management board of the repair company, which is why they contacted ERGO Legal Protection Insurance.
Since the repair company had significantly delayed the start of work, i.e., violated the obligations arising from the contract for services, the lawyer prepared an application for withdrawal from the contract on behalf of the client. At the same time, a claim was submitted to the repair company for the return of money paid in advance. The opposing party objected to the claim, arguing that they had not received any money in advance. When the lawyer sent a written confirmation of receipt of the advance payment to the member of the management board of the repair company, which they had prepared themselves, together with a copy of their identity document, then the member of the management board of the repair company no longer responded to the lawyer’s letters.
Then there was no choice but for the lawyer to prepare an application for an expedited payment order to the court. The opposing party did not raise any further objections. The court ordered the repair company to pay in favour of the client the amount paid in advance, interest on arrears, as well as the costs of the proceedings.
Legal Protection Insurance was contacted by a client whose employer unilaterally began to change the terms and conditions of the employment contract, more precisely the procedure for calculating the additional fee, when the coronavirus hit. As a result, the employee would have lost an estimated 20–30% of their salary on a monthly basis. Although it was a difficult time, lowering the employer’s business risks at the expense of employees was not justified.
In cooperation with the lawyer from Legal Protection Insurance, the client sent a letter to the employer informing that the premium scheme cannot be changed unilaterally. In this case, the premium was a part of the salary, the amendment of which is possible only by agreement of the parties. The letter also informed the employer that the employee is ready to contact the labour dispute committee to protect their rights, and if the client incurs legal expenses, they will be indemnified by ERGO Legal Protection Insurance. The employer realised that they had behaved incorrectly and that there was no point in arguing with the employee.
After a slight delay, the employer paid the employee a lesser-paid premium.
The tour operator cancelled the family’s package tour due to the national emergency situation declared this spring and initially refused to refund the money. The tour operator offered the client a new trip for a certain period of time as a replacement, but the family did not want it. The client decided to contact Legal Protection Insurance, and lawyers began to handle the case.
The lawyers prepared a reasoned demand letter with legal bases for the tour operator, and after a short correspondence between the lawyer and the tour operator, the tour operator returned all the travel instalments paid by the client. The client did not incur any extra costs, as the client had Legal Protection Insurance, and the extrajudicial procedural costs were indemnified by ERGO.
The client bought a used car, which, according to the advertisement, was supposed to be in good condition, well maintained, many body parts replaced, and anti-corrosion was done. After the client had been driving the vehicle for a while, a suspicious knocking sound began to be heard. When the client went to the repair shop, it turned out that the bottom of the vehicle had completely eroded, and according to the workshop, driving the car was even life-threatening.
The client then wanted to withdraw from the sales contract, but the seller did not agree. They contacted ERGO Legal Protection Insurance for help, but the seller refused to return the money even after a withdrawal application sent by ERGO’s lawyers.
The lawyers recommended ordering an expert assessment of the vehicle, which established that driving the vehicle was life-threatening and, given the price of the vehicle, it should have been in very good condition. However, the seller still refused to return the money after the result of the expert assessment.
Following lengthy negotiations with the help of ERGO’s lawyers, the seller agreed to inspect the car and take it back if the vehicle was in the same condition as when it was sold. That is what they finally did.
Good to know / FAQ
Legal Protection Insurance helps in situations where you or your family have been treated unfairly and this has resulted in financial expenses or lost indemnities. We will protect you in relation to the following topics:
- disputes related to employment;
- disputes related to real estate;
- disputes related to the purchase of products and the consumption of services;
- disputes related to vehicles and traffic accidents;
- accidents in everyday life.
Most often, clients take the opportunity to call a lawyer and ask for instructions on how to solve their legal problem.
We recommend that you have Legal Protection Insurance, as it covers important areas of your family in their daily life.
For private persons, legal expenses will be covered for you and your children up to the age of 21 and, if you wish, for your spouse or partner.
The annual payment for Legal Protection Insurance, for the provision of legal aid to the whole family, is the same as the cost of one hour for a lawyer.