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Exclusions and Limitations in Administrative Law Insurance Policy Conditions

Discover the most important exclusions in administrative law insurance policy conditions, such as determination period and own fault. Learn limits per procedure and practical examples to avoid unexpected costs.

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Exclusions and Limitations in Administrative Law Insurance Policy Conditions

Introduction

Legal assistance insurance policies for administrative law include strict exclusions to prevent abuse. These provisions limit coverage and protect the insurer against unnecessary claims.

Key Exclusions

  • Determination period: Disputes known before the policy inception are not covered.
  • Own fault: If the insured intentionally violates rules, coverage lapses.
  • Non-mandatory procedures: Strategic lawsuits without a realistic chance of success are excluded.
  • Amount limits: Per procedure often a maximum of €25,000, with a deductible of €250.

Specific Limitations

In environmental law, exclusion for illegal constructions. For social security, no coverage for fraudulent benefits. Insured parties must report within 30 days.

Practical Examples

An objection to a fine for late parking is covered, but a repeated violation is not. Always consult your policy for exact conditions in accordance with the Wft.

Advice

Check exclusions upon taking out the policy. In case of doubt: report timely to the insurer. (198 words)

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