Legal protection applies from the beginning of contract duration, i.e. the causing event must eventuate from this point in time and has to be reported to the insurance contract. However, some insurance companies reserve the right to apply a three-month waiting period which is applied to certain legal areas. Especially for disputes concerning contracts usually a three-month waiting period after the contract comes into effect. With some insurance companies this three-month waiting period also applies to certain other legal areas. They vary depending on the provider. The according areas are not covered during this time.