Some time ago I had a legal insurance from Protekta and later on one from AXA.
Never used the Protekta one but I paid several years of AXA premiums and would have needed them 2 times. In both cases the insurance was worthless.
In both cases they claimed that such cases are not covered by the insurance. In one case, as a matter of “courtesy” they paid 600 CHF for a lawyer which was barely enough for a 30min talk and for him to study the case. The lawyer said the case would be definitely a clear win in court but without insurance coverage it would cost me quite a bit in advance and it’s not guaranteed that I would get all the costs back even if I win and should the company go bankrupt in the meantime I would see no compensation at all, so it was quite a financial risk. He said he would love to take over the case and demolish them in court but sometimes we need also think economically.
In the second case they sent me a letter with their legal opinion which basically said nothing and left everything open so basically the same what I could get from internet research. Then I cancelled the insurance and will never make a new one again.
I just noticed that insurances in general cover in their ToS only things that are unlikely to happen and those things that are likely to happen they just exclude in the ToS. I had similar experiences with several other insurances such as travel insurance etc. so I’m a bit done with insurances, therefore I really now have only the minimum of what one needs and everything else I will pay by myself when it comes to it.