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A detailed examination
In today's digital age, many are on the hunt for insurance solutions that are not only effective but also convenient and accessible. Getsafe, renowned for its digital services and offerings in English, has made waves in this arena. However, when choosing the right legal protection insurance, we hesitate to recommend Getsafe as the preferred provider. Here, we delve into the reasons for our reservations in more detail.
The core of our concerns:
Clarity and Transparency
As insurance brokers, we place the needs and understanding of our customers at the forefront of our consultation. Our goal is not just to ensure customer satisfaction but also to ensure that they fully comprehend their purchases. This is crucial in avoiding future misunderstandings and dissatisfaction. At Getsafe, we have observed that the information and conditions surrounding their legal protection insurance do not always exhibit the clarity and customer-centric approach we consider essential. The language barrier – with English as the primary language – can pose an additional challenge for some of our customers who feel more secure in the German legal language.
Specific Concerns:
Deductibles and Waiting Periods
A central issue that raises our concerns is the structure of deductibles and waiting periods within Getsafe's legal protection insurance. While the deductible starting at €300 in the first year and decreasing by €100 annually until it can be eliminated after three years may seem appealing at first glance, the increase to €500 in case of a claim and the complex regulations regarding waiting periods for different legal protection areas do not contribute to clarity. This complexity can confuse our clients who value simple and transparent solutions.
A Comparison:
NRV Legal Protection Insurance
In contrast, our preference leans towards NRV Legal Protection Insurance, distinguished by its straightforward, transparent, and customer-friendly terms. With a maximum general waiting period of two months across all cases and a consistent deductible of €150 – regardless of the chosen lawyer or the year of the claim – it provides high predictability and security. This clarity empowers our clients to grasp their rights and options within the insurance, cultivating long-term satisfaction.
Why simple tariffs are often the preferred choice
Most top-tier legal protection insurance policies offer similar benefits. Therefore, when selecting a plan, looking for price, coverage, simplicity, and clarity makes sense. Our experience shows that insurance companies always deliver according to their terms. The best terms equate to the best protection. A straightforward, easily understandable policy minimizes the risk of misunderstandings and ensures reliable coverage.
Conclusion:
Our priority - Your understanding and protection
Our priority as insurance brokers is to ensure that you, as a customer, receive the best possible advice and insurance products tailored to your needs. We believe transparency, clarity, and customer satisfaction should go hand in hand. While digital offerings and English-language services have their place in the insurance market, we prefer providers who share and implement these values in their products. Therefore, we recommend competitive, robust tariffs, and distinguished by their simplicity and clarity.
