[wjnc]

Yup,that's called legal insurance and is often quite an affordable backstop, at least in the EU. Pro-tip is to get yours at another supplier than your regular insurance to best align incentives. In things like consumer conflicts I've never had to use my legal insurance, just announcing that you'll get them involved usually is met with some kind of compromise.

[ascar]

Absolutely second the benefits of legal insurance. It clearly shows others you are not afraid to fight this out as the costs are covered.

The free legal counseling hotline my insurance provides helps me at least twice a year with the right approach to tackle problems. And they have such a large network of lawyers that I'm always speaking to a specialist in my problem's area.

The combination of legal counseling and the simple fact that I had legal insurance helped me compromising in my favor or outright win all legal disputes I had since buying the insurance without actually using it.

Legal insurance is also probably a very lucrative insurance model. They avoid a lot of cases for their customers by their pure display of power and can advise their clients about which battles are worth fighting for in the first place. Furthermore (afaik) the losing side pays most of the legal fees of both parties.

[roel_v]

That's not the same. What you are talking about is an 'insurance' where you, when you get into legal trouble, are reimbursed for (some of) your legal costs. That's not what the GP meant.

[wjnc]

What the GP meant is literally quite strange. You get reimbursed re conditions of the contract, period. If the insurer doesn't pay it's either a legally correct action or not. If legally correct you get what you paid for. If incorrect you need legal recourse. The only type of insurance possible against an insurer not paying is legal insurance. Otherwise you are asking for an insurance for you not understanding the terms and conditions. That's typical.

[jopsen]

> Otherwise you are asking for an insurance for you not understanding the terms and conditions.

Is this an unreasonable request? :)

Whenever I get insurances through work I rarely get terms and conditions? If I do, I rarely get something specific, it's very ambiguous.. and contains unqualified conditions.

I find that agents can rarely answer questions I have, how was I suppose to understand things?

[tomjen3]

Or you need insurance against your insure going bankcrupt which I would want for life insures, at a minimum.