Basically, personal and motor legal protectin can be taken out as insurance. However, when it comes to the benefits there are variations between the different insurance providers.
Disputes of public law (private individuals vs. the state) are principally excluded. However, disputes with public insurance providers (e.g. IV - Invalidity Insurance) are covered.
Also excluded are disputes concerning fiscal, alien, criminal and building law.
For self-employed persons, disputes from their business sector are not covered.
The damage or dispute has to be reported to the insurance provider immediately. If you wait too long, you risk that the insurance company cuts your benefits by the amount which increased the costs of the case due to the late notification. However, the insurance company cannot completely refuse coverage of the claim due to this reason.
Before you call in a lawyer or take further legal steps you should definitely inform the insurance company. With the consent of the insurance company you can be sure that the benefits are also refunded.
The insurance can be terminated upon expiry date. However, the termination letter has to reach the insurance provider 3 months before termination date. Otherwise, the policy is extended tacitly for another year.
The insurance can also be terminated in the case of a claim. The requirement therefore, however, is that the claim is covered. The policyholder can terminate latest 14 days after being notified about the last benefit.
Because the policy is exclusively subject to Swiss law, it can also be terminated in the case of a move abroad - as the risk expires. However, a deregistration confirmation from the Swiss place of residence is necessary.
Generally not insured are private, family and succession law proceedings. However, various companies offer a free legal consultation by their in-house attorneys.
Generally only legal cases are covered of which the causing event occurs during the contract duration and that is reported. Also, in some areas, a three-month waiting period applies from the date of conclusion, as some disputes are predictable - especially concerning contracts such as e.g. in the case of termination of a flat.
