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ARAG

ARAG is a specialist legal protection insurer that covers legal costs for policyholders in disputes across private, work, traffic, and property law.

ARAG operates in the Legal protection insurance (specialist insurer) segment.

Type: organization · Updated September 2026

Official website

ARAG: Disambiguation

ARAG is not a general composite insurer that also sells property or health cover. ARAG is not a government-run legal aid service. ARAG is not the ARAG Group's operations outside Austria.

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ARAG: Core Facts

Entity type
Specialist legal protection insurer (source)
Austrian market entry
1976 (source)
Parent ownership
Family-owned since 1935 (ARAG Group, Germany) (source)
International footprint
Active in 18 countries on three continents (source)
Austrian business scope
Legal protection insurance only, no other lines (source)
Standard insured sum
Unlimited, except inheritance and rented-property disputes (source)
Waiting period, new contract disputes
Waived for disputes from contracts signed after policy start (source, )
Waiting period, inheritance/family law
6 or 9 months depending on case type (source, )
Deductible mechanic
Optional deductible lowers premium; insurer covers full cost if it selects the lawyer (source)
Customer discounts
Discounts for singles, single parents, and young policyholders, plus a senior tariff (source, )
Verified
2026-09-27

Compare: ERGO D.A.S. RechtsschutzUNIQA Österreich VersicherungenGenerali VersicherungAllianz Elementar VersicherungWiener Städtische Versicherung

ARAG: Frequently Asked Questions

Who is ARAG legal protection insurance for?

ARAG suits buyers who want a specialist that sells only legal protection insurance rather than a composite policy bundle, since it operates exclusively in this line in Austria.

How much cover does ARAG offer?

The standard insured sum is unlimited, with caps applying only to inheritance matters and disputes over rented residential units.

Does ARAG have a waiting period?

Yes, but ARAG waives the waiting period for contract disputes arising from agreements signed after the policy starts, while inheritance and family-law cases still carry a 6 or 9 month wait.

How long has ARAG operated in Austria?

ARAG has offered legal protection insurance in Austria since 1976 as part of a group that has been family-owned since 1935.

Can I lower my ARAG premium?

Discounts are available for singles, single parents, and young policyholders, and accepting a deductible or letting the insurer choose the lawyer both reduce the premium.

ARAG: Related entities

ARAG: Where this entity is mentioned

ARAG: Further reading

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