Provider overview

Legal protection insurance

Here you can find information on CSS legal protection insurance legal protection insurance. The information is divided into products, company details and miscellaneous.
The general information on private and motor legal protection applies to all insurance companies.

CSS products

  • CSS (Personal legal protection)


    Individual:
    • Policyholder
    • Underage persons staying with the policyholder on a temporary basis
    Family:
    • Policyholder
    • Spouse/registered partner living in the same household
    • Any other individuals sharing the policyholder's household
    • Any non-employed children of the policyholder's (including stepchildren and foster children) not sharing his household, up to their 25th birthday. Apprenticeship and internship are not deemed to be an employment within the meaning of this provision.
    • Underage persons staying with the policyholder on a temporary basis

    • Property law
    • Works and services contract law
    • Cover for tenants and leaseholders
    • Land and condominium ownership
    • Copyright law
    • Self-employed sideline activity (up to an annual turnover of max. CHF 18,000)
    • Renovations and extensions to owner-occupied property (total construction sum of max. CHF 100,000)
    • Legal protection for drivers
    • Legal advice by telephone in all legal areas

    • Max. CHF 600,000 per case (worldwide)
    • Max. CHF 100,000 per case (outside Europe)
    • Max. CHF 50,000 for sideline activities / copyright law
    • Max. CHF 500 per legal case and year for advice

    • Collection in the context of an insured legal dispute
    • Necessary, court-ordered expert opinions/reports
    • Translation costs and travel expenses that are necessary in case of court hearings abroad (max. CHF 10,000)

    • Costs and fees arising from the first decision in criminal proceedings regarding traffic offences and administrative proceedings; these are payable by the policyholder, also if an appeal is lodged

    Worldwide insurance coverage

    (Exceptions: Other contract law and copyright law are covered in Europe, works and services contract law and labour law in Switzerland and its neighbouring countries, and legal protection for tenants and leaseholders, self-employed sideline activities and protection for legal advice in Switzerland only.)


    Insurance cover commences after a waiting period of 1 month. The waiting period does not apply to civil damages, criminal law, property law, legal protection for drivers and legal advice by telephone.

    • Family law, inheritance law (only protection for legal advice up to CHF 500)
    • Cases in the context of self-employment with a total annual turnover of more than CHF 18,000
    • Cases under debt enforcement and bankruptcy law
    • Disputes between common law partners, cohabitants, spouses and partners in civil union
    • Legal protection relating to the collection of uncontested claims
    • Cases relating to unreported employment, libel or deliberate violation of the law
    • Disputes relating to the practising of sports against payment and coaching or training activities from a disputed amount of CHF 30,000
    • Legal cases relating to a motor vehicle, watercraft or aircraft (motor legal protection)

    The insurer makes the decision whether to involve a lawyer. When an external lawyer is called in, the policyholder can freely choose who this will be. However, the insurance company has the right to turn down the recommendation of a lawyer. The policy holder can then propose three legal offices, from which one must be chosen.

    The policyholder has the right to invoke arbitration within 20 days.

    Cancellation period of 3 months before contract expiry

    Optional: 1, 3 or 5 years (long-term discount: 3% for 3 years and 5% for 5 years)

    Action in case of a claim
    CSS must be notified of a new claim by telephone or e-mail immediately. If a legal deadline has been set, the claim must always be reported by telephone.

    Extras/specials
    • Motor legal protection
    • Legal protection for patients
    • Internet legal protection
    • Legal protection against mobbing
    • Legal protection for additional properties
    • Legal protection for landlords
  • CSS (Motor legal protection)


    Individual:
    • Policyholder
    • Underage persons staying with the policyholder on a temporary basis
    Family:
    • Policyholder
    • Spouse/registered partner living in the same household
    • Any other individuals sharing the policyholder's household
    • Any non-employed children of the policyholder's (including stepchildren and foster children) not sharing his household, up to their 25th birthday. Apprenticeship and internship are not deemed to be an employment within the meaning of this provision.
    • Underage persons staying with the policyholder on a temporary basis

    • Tort law
    • Property law
    • Insurance law
    • Renting a garage
    • Cases as owner, holder or pilot of an aircraft of up to 5,7 tonnes MTOW

    • Max. CHF 600,000 per case (worldwide)
    • Max. CHF100,000 per case (outside Europe)

    • Collection in the context of an insured legal dispute
    • Necessary, court-ordered expert opinions/reports
    • Court fees and other procedural costs payable by the policyholder, including advance money
    • Translation costs and travel expenses that are necessary in case of court hearings abroad (max. CHF 10,000)

    • Costs and fees arising from the first decision in criminal proceedings regarding traffic offences and administrative proceedings; these are payable by the policyholder, also if an appeal is lodged

    Worldwide insurance coverage

    (Exceptions: Renting a garage is covered in Europe, and suspension of driving licence and taxation in Switzerland only)


    No waiting period applies.

    • Legal protection relating to the collection of uncontested claims
    • Cases relating to the participation in motor races and contests (including unauthorized races on public roads), including training
    • Incidents as owner/holder of commercial vehicles
    • If accused of speeding
    • Cases in the context of the following events in case of a second offence: accused of driving while unfit to drive under the influence of alcohol, medication or drugs; or if refusing to provide a blood sample
    • Legal cases concerning personal legal protection insurance

    The insurer makes the decision whether to involve a lawyer. When an external lawyer is called in, the policyholder can freely choose who this will be. However, the insurance company has the right to turn down the recommendation of a lawyer. The policy holder can then propose three legal offices, from which one must be chosen.

    The policyholder has the right to invoke arbitration within 20 days.

    Cancellation period of 3 months before contract expiry

    Optional: 1, 3 or 5 years (long-term discount: 3% for 3 years and 5% for 5 years)

    Action in case of a claim
    CSS must be notified of a new claim by telephone or e-mail immediately. If a legal deadline has been set, the claim must always be reported by telephone.

    Extras/specials
    • Personal legal protection
    • Legal protection for patients
    • Internet legal protection
    • Legal protection against mobbing
    • Legal protection for additional properties
    • Legal protection for landlords
  • CSS (Personal and motor legal protection)

    Personal legal protection


    Individual:
    • Policyholder
    • Underage persons staying with the policyholder on a temporary basis
    Family:
    • Policyholder
    • Spouse/registered partner living in the same household
    • Any other individuals sharing the policyholder's household
    • Any non-employed children of the policyholder's (including stepchildren and foster children) not sharing his household, up to their 25th birthday. Apprenticeship and internship are not deemed to be an employment within the meaning of this provision.
    • Underage persons staying with the policyholder on a temporary basis

    • Property law
    • Works and services contract law
    • Cover for tenants and leaseholders
    • Land and condominium ownership
    • Copyright law
    • Self-employed sideline activity (up to an annual turnover of max. CHF 18,000)
    • Renovations and extensions to owner-occupied property (total construction sum of max. CHF 100,000)
    • Legal protection for drivers
    • Legal advice by telephone in all legal areas

    • Max. CHF 600,000 per case (worldwide)
    • Max. CHF 100,000 per case (outside Europe)
    • Max. CHF 50,000 for sideline activities / copyright law
    • Max. CHF 500 per legal case and year for advice

    • Collection in the context of an insured legal dispute
    • Necessary, court-ordered expert opinions/reports
    • Translation costs and travel expenses that are necessary in case of court hearings abroad (max. CHF 10,000)

    • Costs and fees arising from the first decision in criminal proceedings regarding traffic offences and administrative proceedings; these are payable by the policyholder, also if an appeal is lodged

    Worldwide insurance coverage

    (Exceptions: Other contract law and copyright law are covered in Europe, works and services contract law and labour law in Switzerland and its neighbouring countries, and legal protection for tenants and leaseholders, self-employed sideline activities and protection for legal advice in Switzerland only.)


    Insurance cover commences after a waiting period of 1 month. The waiting period does not apply to civil damages, criminal law, property law, legal protection for drivers and legal advice by telephone.

    • Family law, inheritance law (only protection for legal advice up to CHF 500)
    • Cases in the context of self-employment with a total annual turnover of more than CHF 18,000
    • Cases under debt enforcement and bankruptcy law
    • Disputes between common law partners, cohabitants, spouses and partners in civil union
    • Legal protection relating to the collection of uncontested claims
    • Cases relating to unreported employment, libel or deliberate violation of the law
    • Disputes relating to the practising of sports against payment and coaching or training activities from a disputed amount of CHF 30,000
    • Legal cases relating to a motor vehicle, watercraft or aircraft (motor legal protection)

    The insurer makes the decision whether to involve a lawyer. When an external lawyer is called in, the policyholder can freely choose who this will be. However, the insurance company has the right to turn down the recommendation of a lawyer. The policy holder can then propose three legal offices, from which one must be chosen.

    The policyholder has the right to invoke arbitration within 20 days.

    Cancellation period of 3 months before contract expiry

    Optional: 1, 3 or 5 years (long-term discount: 3% for 3 years and 5% for 5 years)

    Action in case of a claim
    CSS must be notified of a new claim by telephone or e-mail immediately. If a legal deadline has been set, the claim must always be reported by telephone.

    Extras/specials
    • Motor legal protection
    • Legal protection for patients
    • Internet legal protection
    • Legal protection against mobbing
    • Legal protection for additional properties
    • Legal protection for landlords

    Motor legal protection


    Individual:
    • Policyholder
    • Underage persons staying with the policyholder on a temporary basis
    Family:
    • Policyholder
    • Spouse/registered partner living in the same household
    • Any other individuals sharing the policyholder's household
    • Any non-employed children of the policyholder's (including stepchildren and foster children) not sharing his household, up to their 25th birthday. Apprenticeship and internship are not deemed to be an employment within the meaning of this provision.
    • Underage persons staying with the policyholder on a temporary basis

    • Tort law
    • Property law
    • Insurance law
    • Renting a garage
    • Cases as owner, holder or pilot of an aircraft of up to 5,7 tonnes MTOW

    • Max. CHF 600,000 per case (worldwide)
    • Max. CHF100,000 per case (outside Europe)

    • Collection in the context of an insured legal dispute
    • Necessary, court-ordered expert opinions/reports
    • Court fees and other procedural costs payable by the policyholder, including advance money
    • Translation costs and travel expenses that are necessary in case of court hearings abroad (max. CHF 10,000)

    • Costs and fees arising from the first decision in criminal proceedings regarding traffic offences and administrative proceedings; these are payable by the policyholder, also if an appeal is lodged

    Worldwide insurance coverage

    (Exceptions: Renting a garage is covered in Europe, and suspension of driving licence and taxation in Switzerland only)


    No waiting period applies.

    • Legal protection relating to the collection of uncontested claims
    • Cases relating to the participation in motor races and contests (including unauthorized races on public roads), including training
    • Incidents as owner/holder of commercial vehicles
    • If accused of speeding
    • Cases in the context of the following events in case of a second offence: accused of driving while unfit to drive under the influence of alcohol, medication or drugs; or if refusing to provide a blood sample
    • Legal cases concerning personal legal protection insurance

    The insurer makes the decision whether to involve a lawyer. When an external lawyer is called in, the policyholder can freely choose who this will be. However, the insurance company has the right to turn down the recommendation of a lawyer. The policy holder can then propose three legal offices, from which one must be chosen.

    The policyholder has the right to invoke arbitration within 20 days.

    Cancellation period of 3 months before contract expiry

    Optional: 1, 3 or 5 years (long-term discount: 3% for 3 years and 5% for 5 years)

    Action in case of a claim
    CSS must be notified of a new claim by telephone or e-mail immediately. If a legal deadline has been set, the claim must always be reported by telephone.

    Extras/specials
    • Personal legal protection
    • Legal protection for patients
    • Internet legal protection
    • Legal protection against mobbing
    • Legal protection for additional properties
    • Legal protection for landlords
  • CSS Economy (Personal legal protection)


    Individual:
    • Policyholder
      Family:
    • Policyholder
    • Spouse/registered partner living in the same household
    • Any non-employed children of the policyholder's (including stepchildren and foster children) not sharing his household, up to their 25th birthday. Apprenticeship and internship are not deemed to be an employment within the meaning of this provision.

    • Property law
    • Works and services contract law
    • Cover for tenants and leaseholders
    • Land and condominium ownership
    • Renovations and extensions to owner-occupied property (total construction sum of max. CHF 100,000)
    • Legal advice by telephone in all legal areas

    • Max. CHF 300,000 per case (Switzerland and neighbouring countries)
    • Max. CHF 20,000 per case for works and services contract law in the case of renovations and extensions
    • Max. CHF 10,000 for legal protection as tenant or leaseholder
    • Max. CHF 300 per legal case and year for advice

    • Collection in the context of an insured legal dispute
    • Necessary, court-ordered expert opinions/reports

    • Costs and fees arising from the first decision in criminal proceedings regarding traffic offences and administrative proceedings; these are payable by the policyholder, also if an appeal is lodged

    Coverage applies in Switzerland and its neighbouring countries.

    (Exceptions: Insurance law, works and services contract law, labour law, legal protection for tenants and leaseholders, legal protection for land and condominium owners, and protection for legal advice are covered in Switzerland only)


    Insurance cover commences after a waiting period of 3 months. The waiting period does not apply to civil damages, criminal law, property law and legal advice by telephone.

    • Family law, inheritance law (only protection for legal advice up to CHF 300)
    • Cases in the context of self-employment
    • Cases relating to debt enforcement and bankruptcy law
    • Disputes between common law partners, cohabitants, spouses and partners in civil union
    • Legal protection relating to the collection of uncontested claims
    • Cases relating to unreported employment, libel or deliberate violation of the law
    • Disputes relating to the practising of sports against payment and coaching or training activities from a disputed amount of CHF 30,000
    • Legal cases relating to a motor vehicle, watercraft or aircraft (motor legal protection)

    The insurer makes the decision whether to involve a lawyer. When an external lawyer is called in, the policyholder can freely choose who this will be. However, the insurance company has the right to turn down the recommendation of a lawyer. The policy holder can then propose three legal offices, from which one must be chosen.

    The policyholder has the right to invoke arbitration within 20 days.

    Cancellation period of 3 months before contract expiry

    Optional: 1, 3 or 5 years (long-term discount: 3% for 3 years and 5% for 5 years)

    Action in case of a claim
    CSS must be notified of a new claim by telephone or e-mail immediately. If a legal deadline has been set, the claim must always be reported by telephone.

    Extras/specials
    • Motor legal protection
    • Legal protection for patients
    • Internet legal protection
    • Legal protection against mobbing
    • Legal protection for additional properties
    • Legal protection for landlords
  • CSS Economy (Motor legal protection)


    Individual:
    • Policyholder
    Family:
    • Policyholder
    • Spouse/registered partner living in the same household
    • Any non-employed children of the policyholder's (including stepchildren and foster children) sharing his household, up to their 25th birthday. Apprenticeship and internship are not deemed to be an employment within the meaning of this provision.

    • Tort law
    • Property law
    • Insurance law
    • Renting a garage

    • Max. CHF 300,000 per case (throughout Europe)

    • Collection in the context of an insured legal dispute
    • Necessary, court-ordered expert opinions/reports
    • Court fees and other procedural costs payable by the policyholder, including advance money

    • Costs and fees arising from the first decision in criminal proceedings regarding traffic offences and administrative proceedings; these are payable by the policyholder, also if an appeal is lodged

    Insurance coverage applies throughout Europe.

    (Exceptions: Renting a garage, suspension of driving licence and taxation are covered in Switzerland only)


    No waiting period applies.

    • Legal protection relating to the collection of uncontested claims
    • Cases relating to the participation in motor races and contests (including unauthorized races on public roads), including training
    • Incidents as owner/holder of commercial vehicles
    • If accused of speeding
    • Cases in the context of the following events in case of a second offence: accused of driving while unfit to drive under the influence of alcohol, medication or drugs; or if refusing to provide a blood sample
    • Cases as owner, holder or pilot of an aircraft
    • Legal cases concerning personal legal protection insurance

    The insurer makes the decision whether to involve a lawyer. When an external lawyer is called in, the policyholder can freely choose who this will be. However, the insurance company has the right to turn down the recommendation of a lawyer. The policy holder can then propose three legal offices, from which one must be chosen.

    The policyholder has the right to invoke arbitration within 20 days.

    Cancellation period of 3 months before contract expiry

    Optional: 1, 3 or 5 years (long-term discount: 3% for 3 years and 5% for 5 years)

    Action in case of a claim
    CSS must be notified of a new claim by telephone or e-mail immediately. If a legal deadline has been set, the claim must always be reported by telephone.

    Extras/specials
    • Personal legal protection
    • Legal protection for patients
    • Internet legal protection
    • Legal protection against mobbing
    • Legal protection for additional properties
    • Legal protection for landlords
  • CSS Economy (Personal and motor legal protection)

    Personal legal protection


    Individual:
    • Policyholder
      Family:
    • Policyholder
    • Spouse/registered partner living in the same household
    • Any non-employed children of the policyholder's (including stepchildren and foster children) not sharing his household, up to their 25th birthday. Apprenticeship and internship are not deemed to be an employment within the meaning of this provision.

    • Property law
    • Works and services contract law
    • Cover for tenants and leaseholders
    • Land and condominium ownership
    • Renovations and extensions to owner-occupied property (total construction sum of max. CHF 100,000)
    • Legal advice by telephone in all legal areas

    • Max. CHF 300,000 per case (Switzerland and neighbouring countries)
    • Max. CHF 20,000 per case for works and services contract law in the case of renovations and extensions
    • Max. CHF 10,000 for legal protection as tenant or leaseholder
    • Max. CHF 300 per legal case and year for advice

    • Collection in the context of an insured legal dispute
    • Necessary, court-ordered expert opinions/reports

    • Costs and fees arising from the first decision in criminal proceedings regarding traffic offences and administrative proceedings; these are payable by the policyholder, also if an appeal is lodged

    Coverage applies in Switzerland and its neighbouring countries.

    (Exceptions: Insurance law, works and services contract law, labour law, legal protection for tenants and leaseholders, legal protection for land and condominium owners, and protection for legal advice are covered in Switzerland only)


    Insurance cover commences after a waiting period of 3 months. The waiting period does not apply to civil damages, criminal law, property law and legal advice by telephone.

    • Family law, inheritance law (only protection for legal advice up to CHF 300)
    • Cases in the context of self-employment
    • Cases relating to debt enforcement and bankruptcy law
    • Disputes between common law partners, cohabitants, spouses and partners in civil union
    • Legal protection relating to the collection of uncontested claims
    • Cases relating to unreported employment, libel or deliberate violation of the law
    • Disputes relating to the practising of sports against payment and coaching or training activities from a disputed amount of CHF 30,000
    • Legal cases relating to a motor vehicle, watercraft or aircraft (motor legal protection)

    The insurer makes the decision whether to involve a lawyer. When an external lawyer is called in, the policyholder can freely choose who this will be. However, the insurance company has the right to turn down the recommendation of a lawyer. The policy holder can then propose three legal offices, from which one must be chosen.

    The policyholder has the right to invoke arbitration within 20 days.

    Cancellation period of 3 months before contract expiry

    Optional: 1, 3 or 5 years (long-term discount: 3% for 3 years and 5% for 5 years)

    Action in case of a claim
    CSS must be notified of a new claim by telephone or e-mail immediately. If a legal deadline has been set, the claim must always be reported by telephone.

    Extras/specials
    • Motor legal protection
    • Legal protection for patients
    • Internet legal protection
    • Legal protection against mobbing
    • Legal protection for additional properties
    • Legal protection for landlords

    Motor legal protection


    Individual:
    • Policyholder
    Family:
    • Policyholder
    • Spouse/registered partner living in the same household
    • Any non-employed children of the policyholder's (including stepchildren and foster children) sharing his household, up to their 25th birthday. Apprenticeship and internship are not deemed to be an employment within the meaning of this provision.

    • Tort law
    • Property law
    • Insurance law
    • Renting a garage

    • Max. CHF 300,000 per case (throughout Europe)

    • Collection in the context of an insured legal dispute
    • Necessary, court-ordered expert opinions/reports
    • Court fees and other procedural costs payable by the policyholder, including advance money

    • Costs and fees arising from the first decision in criminal proceedings regarding traffic offences and administrative proceedings; these are payable by the policyholder, also if an appeal is lodged

    Insurance coverage applies throughout Europe.

    (Exceptions: Renting a garage, suspension of driving licence and taxation are covered in Switzerland only)


    No waiting period applies.

    • Legal protection relating to the collection of uncontested claims
    • Cases relating to the participation in motor races and contests (including unauthorized races on public roads), including training
    • Incidents as owner/holder of commercial vehicles
    • If accused of speeding
    • Cases in the context of the following events in case of a second offence: accused of driving while unfit to drive under the influence of alcohol, medication or drugs; or if refusing to provide a blood sample
    • Cases as owner, holder or pilot of an aircraft
    • Legal cases concerning personal legal protection insurance

    The insurer makes the decision whether to involve a lawyer. When an external lawyer is called in, the policyholder can freely choose who this will be. However, the insurance company has the right to turn down the recommendation of a lawyer. The policy holder can then propose three legal offices, from which one must be chosen.

    The policyholder has the right to invoke arbitration within 20 days.

    Cancellation period of 3 months before contract expiry

    Optional: 1, 3 or 5 years (long-term discount: 3% for 3 years and 5% for 5 years)

    Action in case of a claim
    CSS must be notified of a new claim by telephone or e-mail immediately. If a legal deadline has been set, the claim must always be reported by telephone.

    Extras/specials
    • Personal legal protection
    • Legal protection for patients
    • Internet legal protection
    • Legal protection against mobbing
    • Legal protection for additional properties
    • Legal protection for landlords


Company data of CSS

Head office: Lucerne
Insurance carrier: Orion Rechtsschutz-Versicherung AG

All information subject to change. © by comparis.ch AG

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