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LEGAL PROTECTION DATA

This page contains some basic data on legal protection insurance worldwide. Countries included are: Austria, Belgium, Canada, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Japan, Latvia, Luxembourg, the Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, South Africa, Spain, Switzerland, Turkey, the United Kingdom, and the USA. To see the data, click on the titles and move the cursor over the graphs to see more details.
The last update was done on 15 January 2018.

Download: DE, FR

To help members better understand the distinctive topography of legal protection insurance, RIAD has studied the factors that influence how it is delivered around the world today.

RIAD delves into the parameters shaping the operating environment for legal protection insurance. The results, which make extensive use of statistical data about the almost €10bn global legal protection insurance market, detail substantial differences between both the legal protection insurance products offered to customers and the business models in place.

From a consumer perspective, such differences are substantial: prices for a standard personal stand-alone legal protection policy range from €30 to €320. And even within the European Union - where legal protection insurance is subject to European level regulation and the product is typically well known and distributed widely - significant differences in pricing remain as a result of national variations. For example in France, premium levels are around a third of the premiums paid in the most mature markets.

Legal protection insurers are subject to insurance regulation and supervision. As players in the legal services market, legal protection insurers are also subject to legal services regulation. This combined regulatory burden makes a big effect on the business models used in each jurisdiction.

Divergent national approaches also explain why the legal protection insurance offering can differ so considerably from one country to the next. RIAD has identified the reasons for and effects of these differences and quantifies why and how the characteristics of legal protection insurance products vary according to the national rules regarding:

     - the insurers’ ability to provide services with in-house staff (i.e. the extent of lawyers’ monopoly on legal services);
     - the cost levels incurred for settling claims;
     - the possibility to recover expenses (e.g. application of the loser-pays-principle);
     - the predictability of costs; and
     - the possibility to control expenses (e.g. tariff-based system or free negotiation of lawyer and other fees).

RIAD’s investigation establishes just how deeply entwined the legal protection insurance business model is with the national legal system. It also notes that technological innovation is delivering new ways of providing legal services and that so-called LegalTechs have real potential to change the way how legal services are supplied and consumed which, in turn, have a substantial impact on the operating environment for legal protection insurers and benefit consumers.  

The full RIAD report on Legal Protection Insurance – Determining Factors is only available to members. It includes the statistical data published on this webpage but also covers substantial aspects of the insurance product referred to above – including areas of law covered, costs covered, services provided by in-house staff, etc. – and describes the legal protection insurance business models in place – including the claims handling procedure, distribution channels used and the use of panel lawyers.

Disclaimer: although all information used for this publication was taken carefully from reliable sources, RIAD does not accept any responsibility for the accuracy or the comprehensiveness of the information given. The information provided is for information purposes only and, in no event, shall RIAD be liable for any loss or damage arising from the use of this information.