Hello everyone,

With all the layoffs happening lately, I’m considering getting legal insurance (Rechtsschutzversicherung) in Germany for some peace of mind.

I work with an unlimited contract, and my company falls under IG Metall. While checking Check24, I saw that the “Beruf” (work-related) coverage doesn’t apply if you’re a freelancer or managing director

I’m mainly looking for protection in two areas:
• Workplace issues (layoffs, salary disputes, unfair termination, etc.)
• Neighborhood or housing issues (landlord disputes, noise complaints, etc.)

My question is:
Would you recommend going for a private legal insurance policy, or is joining IG Metall the smarter move for someone like me, given that they offer legal support too?

Any tips, experiences, or provider recommendations would be really appreciated. Thanks in advance!

by Sad-Candle2545

5 comments

  1. Unions are great for protecting your rights as a worker. They cover everything wirk related. They will also give advice on housing/renting laws but usualy don’t cover the legal costs.

  2. it’s always a good idea to get legal insurance with job module, unions will not automatically help with any kind of legal conflict, or pay for the court costs associated with it

    keep in mind though that most legal insurances have a waiting period for (up to) 3 months where events aren’t covered after subscribing, so get one sooner rather than later

  3. My legal insurance has been more than worth it. Legal costs are not something that I’d want to pay out of pocket.

  4. If your company is under IG Metall, then… just join IG Metall.

    You pay 1% of your gross salary (deducted from your net salary) every month, you can deduct the expenses from your taxes (under Werbungskosten, so if you’re already above 1230 € and are paid high enough you get back 42 cents for every € you spent), and you’ll have legal insurance (for work only) from IG Metall, starting three mobths after you signed up.

    Probably a better deal than getting it yourself.

    Downside: As a union member, if IG Metall goes on strike, you’re required to go on strike too.

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