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Legal Insurance I

Airbags for Your Rights

A few years ago I checked the general conditions of my legal insurance and discovered that proceedings before "international tribunals" were excluded from the coverage. On the phone they confirmed that the costs of any litigation between my employer and me in front of the Civil Service Tribunal or the Court of First Instance would come out of my pocket.

Checking via the web, I found that very nearly all of the well known insurance companies that do business in the Grand Duchy exclude EU labour disputes from their coverage.

There was one that would have covered me, but with a serious catch; a yellow union had made an exclusive agreement with the insurer. Anyone could get insured, just as long as they remembered to join the yellow union first.

I did not want to join that outfit because I had seen some of the damage they had done. Knowing what I do know about their leading lights, it would be dishonest for me to join them just for protection. The fact that these people were trying to bribe or perhaps blackmail me into joining served to alienate me that much more. On the other hand, I wanted to be insured in case I got into trouble with the Commission. So I kept looking for a better solution.

What I found is called the "JuriPass".

Here is a link to their general conditions in French and in English.

The way I summarize them for myself is that if I insist on my own personal lawyer the coverage is limited by the schedule of fees in the general conditions. If I go with one of their lawyers the coverage is almost unlimited. What does "almost unlimited" mean? Well, the insurer has a certain capital but not nearly all the money in the world. If I got into some serious trouble and the legal expenses went into the hundreds of millions of EUROs my poor old insurer would go bust. But because I have no plans to blow buildings or assassinate people, so my insurance is safe.

After reading the general conditions, I filled in this form (it's an Excel spreadsheet which opens in a separate window), printed it, signed it, wrote

68 Route de Luxembourg
L-4972 Dippach

on an envelope, folded the form, put it in the envelope, sealed it in, stuck a 0.50 EURO stamp on it, and dropped it in a Luxembourg mailbox. When my paperwork came back, I paid my premium and heaved a sigh of relief.

In this world there is no such thing as "100% safe". Be wary of people who talk such nonsense; many of them are fools or crooks. But having the JuriPass? is like getting airbags in my car. If something bad happens to me, IBS will greatly increase my survival chances.

If you want that protection for yourself, you are free to get a "JuriPass" of your own. It makes no difference whether you belong to SID, to no union at all or, even worse, to a yellow union. We all need and deserve to protect our rights through legal insurance.

There are no contracts or other links between IBS and SID. We receive no money from them at all.

Of course, some of you people out there in EU-land might decide to join SID without being pressured or tricked into it. You see, with us the "S" does stand for that old-fashioned "Solidarity" and not for the post-modern "Selfishness"!

Best Regards,

Michael Ashbrook

Created by: admin last modification: Wednesday 29 of September, 2010 [10:37:25 UTC] by admin

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