ARAG review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ARAG is a sensible pick for households that want legal expenses cover alongside home, health, dental, pet, travel and gadget policies from the same insurer, with monthly payments available. Private legal cover starts at €14.73 a month, and the site's median starting premium is €8.31, so entry price is the trade-off.
Key facts
- Best for
- Monthly legal expenses cover with an unlimited sum insured in Europe and an excess starting at €0.
- Premium from
- €14.73↗
- Insurance types
- Home, Health, Dental, Pet, Travel, Gadget↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Excess from
- €0↗
- Cover limit
- Unlimited legal expenses sum insured in Europe (Kompakt: EUR 350,000 worldwide)↗
- Claims channels
- Online, Phone↗
- Legal entity
- ARAG SE↗
- Headquarters
- Germany↗
- Founded
- 1935↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Pricing model
- Monthly
- Official website
- arag.com
Facts checked September 26, 2026, 5 sources
Pros and cons
Pros
- Legal expenses carry an unlimited sum insured in Europe, and the excess starts at €0.
- Monthly payments are available, and support runs on email, chat and phone.
- The provider is an insurer, so ARAG SE carries the cover itself and sits under BaFin.
- Cover spans home, health and dental, so home and health sit with the same provider.
Cons
- The starting premium of €14.73 a month ranks 165 of 251 brands on price, so it is not an entry-level buy.
- Email and chat are not among its claims channels (online and phone), which cover online and phone.
- The entry Kompakt tier sets a fixed legal expenses limit worldwide, where the upper tier is unlimited in Europe.
Who it suits
- Households that want legal expenses cover with an unlimited sum insured in Europe and an excess starting at €0.
- Buyers who will pay more than €0 for legal cover bundled with home, health and dental policies from the same insurer.
- German customers who want cover from a regulated insurer, with ARAG SE based in Germany under BaFin.
Who should look elsewhere
- Readers who only want the cheapest way in: Bunq starts at €0 and Bunq Spain at €0, both under ARAG's €14.73.
- Anyone who wants to raise a claim outside the online and phone routes, which cover online and phone.
- Households planning a claim abroad on the entry tier, since the Kompakt cover limit applies worldwide.
How ARAG compares
9.3 vs 8.6
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 9.0
9.3 vs 8.7
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 8.7Starts at €25, above ARAG's €14.73, so it is the pricier of the two entry points.
9.3 vs 9.0
9.3 vs 8.8Its starting premium of €0 is lower than ARAG's €14.73 for anyone buying on price alone.
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 9.0
9.3 vs 8.3
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 8.9- 9.3 vs 8.6
9.3 vs 8.6
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.3
9.3 vs 8.3
9.3 vs 8.2- 9.3 vs 8.0
Where ARAG is available
- Available
- Austria, Belgium, Canada, Denmark, Finland, Germany, Greece, Ireland, Italy, Netherlands, Norway, Portugal, Slovenia, Spain, Sweden, Switzerland, United Kingdom, United States
- Licence in Germany
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does ARAG's private legal expenses cover cost?+
The entry premium is €14.73 a month, and monthly payments are available. That start sits above the site's median starting premium of €8.31 and places ARAG at 165 of 251 brands on price, so budget above the cheapest options before signing up.
Is there an excess to pay on an ARAG claim?+
The excess starts at €0, so there is no minimum you have to fund yourself on a legal expenses claim. Claims themselves are handled on online and phone, which means you open and track a case through those routes rather than in person.
Who regulates ARAG?+
The provider type is listed as insurer, so ARAG SE carries the cover itself rather than a broker. It is based in Germany, has traded since 1935 and sits under BaFin, the German regulator named in its licensing details.
What else does ARAG insure?+
Alongside legal expenses, the range covers home, health and dental. That means home, health, dental, pet, travel and gadget policies sit with the same provider, which suits households who would rather deal with one insurer across several categories of cover.
Can I pay monthly and how do I get help?+
Monthly payments are available: the policy is priced on a monthly basis, and support runs on email, chat and phone. You can reach the insurer by email, chat, phone or the help centre for general queries, while legal claims follow their own online and phone route.
How does ARAG compare with the alternatives listed?+
ARAG's €14.73 starting premium is higher than Bunq at €0 and Bunq Spain at €0, and lower than Linxea at €25. Its cost score of 5.9 reflects a middle position on price across the brands listed.
What does ARAG score overall?+
ARAG scores 5.9 overall, and the cost part of that score is 5.9. The strength is breadth and legal cover rather than entry price: home, health and dental policies, monthly payments and an excess that starts at €0.
Sources
- arag.com/en/company checked September 26, 2026
Backs: Provider type, Founded, Headquarters
“we are the largest family-owned company in the German insurance sector ... an attractive multi-line insurer”
- arag.com/en/imprint checked September 26, 2026
Backs: Legal entity, Licences
“ARAG SE, Commercial register: Duesseldorf District Court HRB 66846”
- arag.de checked September 26, 2026
Backs: Insurance types, Support channels
“Unsere Versicherungen: Rechtsschutz, Gesundheit, Haftpflicht, Reisen, Hausrat, Verein, Tiere, Firma; nav: Zahnzusatzversicherung, Hunde-/Katzenkrankenversicherung, Reiseversicherung,...”
- arag.de/rechtsschutzversicherung checked September 26, 2026
Backs: Cover limit, Excess from
- arag.de/rechtsschutzversicherung/privatrechtsschutz checked September 26, 2026
Backs: Claims channels, Pricing model, Monthly payments, Premium from
“Kompakt ab 14,73 EUR mtl.”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
ARAG
Monthly legal expenses cover with an unlimited sum insured in Europe and an excess starting at €0.