▁prem ium ▁paid ▁from ▁the ▁losing ▁party ▁whilst ▁now ▁the ▁prem ium ▁has ▁to ▁be ▁paid ▁by ▁the ▁client ▁out ▁of ▁any ▁dam ages ▁received . ▁▁ ▁By ▁country ▁ ▁The ▁European ▁market ▁for ▁legal ▁ins urance ▁is ▁well - develop ed , ▁with ▁Germany , ▁France ▁and ▁the ▁Netherlands , ▁representing ▁respectively ▁ 4 3 %, ▁ 1 4 %, ▁and ▁ 8 % ▁of ▁the ▁market . ▁According ▁to ▁a ▁survey ▁commission ed ▁by ▁R I AD ▁and ▁conducted ▁by ▁I ps os ▁in ▁August ▁ 2 0 1 7 ▁in ▁Germany , ▁France , ▁Ireland , ▁and ▁the ▁Netherlands , ▁over ▁a ▁quarter ▁of ▁respond ents ▁had ▁a ▁legal ▁dispute ▁in ▁the ▁past ▁ 5 ▁years . ▁The ▁rep lies ▁showed ▁that ▁in ▁all ▁ 4 ▁countries ▁people ▁are ▁mainly ▁concerned ▁about ▁the ▁costs ▁of ▁a ▁dispute , ▁this ▁is ▁particularly ▁true ▁in ▁Ireland ▁( 5 0 % ▁of ▁respond ents ) ▁where ▁fe es ▁for ▁law y ers ▁are ▁extremely ▁high . ▁In ▁comparison ▁to ▁the ▁other ▁countries , ▁Dutch ▁citizens ▁are ▁particularly ▁w ary ▁of ▁was ting ▁time ▁and ▁energy ▁( 3 3 %) ▁while ▁Germ ans ▁are ▁over ly ▁afraid ▁of ▁being ▁dep riv ed ▁of ▁their ▁rights ▁( 2 7 % ▁compared ▁to ▁ 1 8 % ▁in ▁Ireland ▁and ▁only ▁ 1 0 % ▁and ▁ 8 % ▁in ▁France ▁and ▁the ▁Netherlands ). ▁ ▁Leg al ▁protection ▁ins urance ▁has ▁become ▁more ▁common ▁outside ▁of ▁Europe , ▁including ▁in ▁Canada , ▁Japan , ▁South