ROLAND-Rechtsschutz review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

ROLAND-Rechtsschutz suits households that want legal expenses cover with an unlimited sum insured and no excess, and monthly payments are available so the premium is spread across the year rather than paid in full up front. It scores 8.1 overall, with cost at 8.1.

Key facts

Best for
Households wanting legal expenses cover with an unlimited sum insured and no excess.
Insurance types
Auto, Renters, Landlord (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Excess from
€0 (Source, checked September 26, 2026)
Cover limit
Unlimited sum insured (Deckungssumme unbegrenzt) in all tariffs (Source, checked September 26, 2026)
Claims channels
Phone, Online (Source, checked September 26, 2026)
Legal entity
ROLAND Rechtsschutz-Versicherungs-AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1957 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Audience
Seniors
Pricing model
Monthly
Official website
roland-rechtsschutz.de

Business insurance

Provider type
Insurer (Source, checked September 26, 2026)
Excess from
€0 (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Legal entity
ROLAND Rechtsschutz-Versicherungs-AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1957 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataLinkedInekomi.de

Pros and cons

Pros

  • The cover limit is unlimited in all tariffs, so a legal bill is not held back by a fixed cap.
  • The excess starts at €0, so a claim is not reduced by an upfront payment from your own pocket.
  • Monthly payments are available, spreading the premium rather than demanding the full sum up front.
  • Support runs on email, chat and phone for day to day questions.
  • You deal with the insurer itself, insurer, rather than a broker or a comparison site.

Cons

  • Cover sits within auto, renters and landlord, so you would need another insurer for travel, life or health protection.
  • The stated audience is seniors, which narrows the marketing focus to older customers.
  • Claims start through phone and online, a shorter set than the email, chat and phone offered for day to day questions, so a claim and a general enquiry follow different routes.
  • The range of insurance types is thinner than Hiscox UK, which lists home, renters and landlord.
ROLAND-Rechtsschutz

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Scored 9.4 / 10 by AssureCue.

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Who it suits

  • Households wanting legal expenses cover with an unlimited sum insured.
  • Anyone who prefers a monthly premium to a single annual charge.
  • People who want to deal with the insurer itself rather than a broker.

Who should look elsewhere

  • Travellers after travel or pet cover, which Hiscox UK and Good Sam Insurance Agency list.
  • Holders wanting many personal lines under one roof, since Good Sam Insurance Agency lists auto, home and renters.
  • Anyone buying outside Germany, since this insurer is registered there as ROLAND Rechtsschutz-Versicherungs-AG.

How your money is protected

You are dealing with the company that carries the risk, not a middleman. ROLAND-Rechtsschutz is an insurer by insurer, which means the contract runs between you and ROLAND Rechtsschutz-Versicherungs-AG in Germany. The company has been trading since 1957, so a long trading record sits behind the policy. In Germany, insurance companies of this kind are supervised by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), so the provider is accountable to a named regulator rather than being an unregistered seller online. The practical point for your money is simple. A direct insurer keeps the claim decision and the payment in one organisation, so there is no commission layer and no second party that has to be paid before you see the money. The same structure holds when you call about a claim, since the insurer you wrote to is the insurer that handles the case.

Price signals

There is no excess to hold back. The excess starts at €0, so a valid claim is not reduced by an upfront payment from you. For legal expenses cover this matters more than the headline premium, because a small deduction on a modest claim can be the difference between a claim being worth making and not. The way the premium is collected is flexible as well. Monthly payments are available, so the cost is spread across the year rather than asked for in full at the start. If you would rather see the whole year settled, annual handling is a question to raise when you are given a quote. Cost, judged across the whole site, scores 8.1, and the overall score is 8.1. Those figures cover the whole site rather than this brand alone, and the tariff you are offered will depend on your own situation.

Cover and limits

The single strongest feature here is the size of the cover. The cover limit is unlimited in all tariffs, meaning the sum insured does not place a fixed ceiling on a legal costs bill. For a dispute that runs long or expensive, an unlimited sum insured removes the ceiling that other private policies carry. The lines you can hold sit within auto, renters and landlord. That is a focused set: the legal expenses element is the point of the policy, and the other lines are there for households rather than for a one-product purchase. Written in plain terms, you get a policy with no cap on the sum insured. What you would add separately is any cover you need beyond the lines listed here.

How ROLAND-Rechtsschutz compares

Where ROLAND-Rechtsschutz is available

Available
Austria, Germany, Italy
Licence in Germany
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the unlimited cover limit mean for a legal expenses claim?+

The cover limit is unlimited in all tariffs, so the sum insured does not place a fixed ceiling on a legal costs bill, whatever line the case falls under in auto, renters and landlord. That matters when a dispute runs long, because a capped policy would pay out only to its limit. Ask for the wording of your chosen tariff to see what counts as covered.

Is there an excess to pay if I make a claim?+

The excess starts at €0, so there is no upfront payment from your own pocket. A valid claim is therefore not reduced by an excess. Check the wording of your tariff, since terms can differ between the legal expenses element and any other lines you hold.

Can I pay the premium monthly instead of annually?+

Monthly payments are available, so the premium is spread across the year rather than asked for in full at the start. That makes a legal expenses policy easier to carry alongside other household bills. Which payment terms apply to the tariff you are offered is worth confirming when you get a quote.

Am I dealing with the insurer or a broker?+

You deal with the insurer directly, by insurer. The contract sits with ROLAND Rechtsschutz-Versicherungs-AG in Germany, which has traded since 1957. In practice that means the insurer you write to is the insurer that decides and pays the claim.

Who regulates this insurer?+

The insurer is based in Germany and is supervised there by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), so there is a named regulator to hold the company to its obligations. That matters for a long running policy, since the claim may come years after you buy it.

How do I make a claim or ask for help?+

Claims can be started by phone or online, through phone and online. For day to day questions, support runs on email, chat and phone, which includes phone, email, chat and a help centre. A claim is worth starting as soon as a dispute begins, while the details are fresh.

Which kinds of insurance can I hold here?+

The lines you can hold sit within auto, renters and landlord. That is a focused set rather than a general policy, so if you need travel, life or health cover you would arrange it separately. The stated audience is seniors, so the range is aimed at older households.

Is ROLAND-Rechtsschutz a good fit for me?+

It suits households and older customers who want legal expenses cover with an unlimited sum insured and no excess. It suits people who prefer a monthly payment to a single annual charge. It is a poor fit if you want travel, life, health or pet cover in the same policy, since the range sits within auto, renters and landlord.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from.

ROLAND-Rechtsschutz

ROLAND-Rechtsschutz

Households wanting legal expenses cover with an unlimited sum insured and no excess.

9.4/10See alternatives

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