Direct Answer
Legal protection insurance in Austria covers lawyer, court and expert costs in insured legal areas. Basic single-person tariffs start at around €6/month, family tariffs at €7/month. Waiting periods of 3 to 12 months apply depending on the module (3 months for general protection, typically 12 months for family/inheritance law). The legal basis is the Austrian Insurance Contract Act (VersVG).
At a glance
- ·Modules: damage/criminal law, contract law, employment, rental/property, traffic, family/inheritance.
- ·Costs: from €6/month (basic), premium package €25–40/month.
- ·Waiting periods: 3 months general, 6–12 months for contract, family and inheritance disputes.
- ·Legal framework: VersVG (RIS), supervision by FMA; consumer protection via VKI/Konsument and AK.
- ·Switching without gap: prior insurance periods may be credited.
Legal disputes in Austria quickly become expensive. Legal protection insurance covers lawyer, court and expert costs and lets you enforce claims without financial risk. This guide explains modules, waiting periods and providers based on the Austrian market and the VersVG.
Legal Protection Modules Overview
Damage & Criminal Law
Defense in criminal proceedings and enforcement of damage claims.
Contract Law
Protection in disputes arising from everyday contracts.
Employment Law
Dismissal, mobbing, salary disputes – protection at work.
Rental & Property Law
Disputes regarding rent, deposit, and property.
Traffic Law
Legal support for traffic accidents and license matters.
Family & Inheritance Law
Divorce, custody, inheritance disputes.
Cost Overview
Individual Basic
Basic protection for one person
Family Basic
Protection for the whole family
Combined (Private + Traffic)
Comprehensive protection
Premium Package
All areas included
Why is Legal Protection Important?
High Lawyer Costs
Lawyer hours in Austria cost €150–300. A consultation can quickly cost €500+.
Court Costs
Legal costs can amount to several thousand euros depending on the disputed amount (Gerichtsgebührengesetz).
Cost Risk if You Lose
If you lose the case, you must also pay the opponent's lawyer costs.
Employer Disputes
Dismissal, severance, mobbing – often hopeless without legal protection.
Landlord Conflicts
Deposit disputes, defects, termination – common points of contention.
Traffic Accidents
Disputes with insurers over damages and compensation.
Private vs. Traffic Legal Protection
PrivatePrivate Legal Protection
- Contract disputes
- Employment law
- Rental and property law
- Tax and social law
- Family and inheritance law
- Criminal defense
TrafficTraffic Legal Protection
- Traffic accident disputes
- Vehicle purchase/sale
- License revocation
- Administrative fines
- Workshop disputes
- Insurance disputes
Waiting Periods
After signing, waiting periods apply before coverage begins. These are regulated by § 158l VersVG and the respective insurance conditions:
Tip: When switching from another provider with continuous coverage, the waiting period may be waived.
Providers in the Austrian Market
16+ providers
Market overview per Austrian Insurance Association (VVO).
Four Steps to the Right Tariff
Identify needs
Which legal areas matter for your situation?
Check modules
Private, employment, traffic, rental – modular selection.
Research providers
Match benefits, excess and coverage sums.
Complete online
Finalize the contract within minutes.
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Reviewed by
Mag. Stefan Huber
Insurance expert
Insurance expert and lawyer focused on Austrian insurance law (VersVG, KSchG).
Last updated: 2026-05-27
Check Your Legal Protection Modules
See suitable tariffs at durchblicker.at – free and non-binding.
Go to the tariff calculatorPrices and conditions vary depending on benefits, excess and personal factors. As of: May 2026. No individual legal or insurance advice.