TCS legal protection insurance
Products from TCS
Insured persons
Individual: Policyholder
Family: Policyholder and the following persons living in the same household: spouse or partner and their children
Furthermore: domestic staff while at work, and children who live elsewhere, but are registered at the address of their insured parent(s), are undergoing education or professional training and under 25 years of age.
The insured persons are covered in their capacity as:
private individuals
employed persons at work
tenants/renters
parties to a contract
pedestrians, cyclists, equestrians
passengers of a means of transport
Other insured legal areas
Tenancy law (for renters)
Consumer rights and other contracts
Travel law
Patient rights
Insurance law
Tort law
Criminal and administrative law (except for offences committed intentionally and not in self-defence or a state of necessity)
Legal counsel in the areas of law of persons, family law (including marriage, divorce, civil union and marriage-like union) and law of succession up to CHF 500 per case
Benefits
Up to CHF 500,000 per insured event or up to CHF 100,000 if the geographical scope of application is "worldwide"; for legal counsel up to CHF 500 (per case)
Additionally covered costs
Collection
Travel expenses resulting from court summonses if the costs exceed CHF 100
Procedural costs
Mediation costs
Translation costs
Other uncovered costs
Compensation for damage or personal suffering
The costs that a third party or a liability insurance is obliged to bear
Fines to which the policyholder is sentenced
Geographical limitations
Depending on the insured area, the cover applies:
in Switzerland and the Principality of Liechtenstein (up to CHF 500,000),
in the EU/EFTA (up to CHF 500,000),
worldwide (up to CHF 100,000).
Waiting period
Insurance cover commences on the day after the premium is paid. There is a qualifying period of 3 months for contractual disputes.
Exclusions
Legal cases concerning:
labour law if the insured person is an employer, board member or share holder or if he/she shares in the profits
ownership rights
criminal proceedings for deliberate offences or attempts thereat
disputes involving motor vehicles: covered through motor legal protection
intellectual property rights
debt enforcement and bankruptcy laws
collection of receivables
disputes resulting from the use of computer software and webhosting
disputes between persons who are insured under the same policy
disputes resulting from the policyholder's capacity as professional athlete or coach
proceedings before international and supranational courts
Choice of legal representative
The policyholder may freely choose a locally responsible lawyer if calling in an external lawyer is deemed necessary from a time- and case-related perspective.
Procedures in case of futility or differences in opinion
Arbitration proceedings are possible. The regulations of the Swiss Code of Civil Procedure apply.
Notice of cancellation
Notice of cancellation must be handed in 3 months before the annual due-date at the latest.
Contract term
According to term of insurance as stated in the policy (only annual contracts with automatic renewal).
Action in case of a claim
The insured person reports the legal incident as soon as possible. For further legal steps or the involvement of a lawyer, the insurance company has to be consulted.
Insured persons
Individual: Policyholder
Family: Policyholder and the following persons living in the same household: spouse or partner, their children (under the age of 26 years).
Furthermore: Residents of Switzerland riding as passengers in cars driven by the policyholder, except for services against payment
The insured persons are covered in their capacity as:
legitimate drivers of any motor vehicle on the road and privately used vessels
owners and keepers of vehicles
parties to a contract
pedestrians, cyclists, equestrians, users of inline skates, skateboards, rollerskis, scooters, etc.
passengers of any means of transport
holders of a driving licence recognised by Swiss authorities
Other insured legal areas
Road accidents
Patient's rights (in connection with a covered accident)
Travel laws
Disputes resulting from the use of offerings in the area of combined mobility (car-sharing and ride-sharing systems)
Property law
Alternative energy (electricity, gaz, water)
Benefits
Up to CHF 1 million per insured event or up to CHF 100,000 if the geographical scope of application is "worldwide"
Additionally covered costs
Procedural costs
Mediation costs
Travel expenses resulting from court summonses if the costs exceed CHF 100
Translations from translators/interpreters
Cost of collection of compensation awarded to the insured person
Other uncovered costs
Blood alcohol and similar tests and ordered medical examinations
Ordered traffic lessons
Geographical limitations
Depending on the insured area, the cover applies:
worldwide (up to CHF 100,000),
in Switzerland (up to CHF 1 million),
in the EU/EEA(up to CHF 1 million),
Waiting period
Insurance cover commences on the day after the premium is paid. There is a qualifying period of 2 months for contractual disputes that arose before insurance inception. This qualifying period does not apply if the holder had a previous insurance covering the same risk right up to the inception of the new policy.
Exclusions
Legal cases concerning...
active participation in races, rallies and other speed contests as well as race trainings
collection of receivables
disputes between persons who are insured under the same policy
disputes resulting from a committed felony or a deliberate misdemeanour or the attempt thereat
proceedings before international and supranational courts
Choice of legal representative
The policyholder may freely choose a locally responsible lawyer if calling in an external lawyer is deemed necessary from a time- and case-related perspective.
Procedures in case of futility or differences in opinion
Arbitration proceedings may be initiated. The regulations of the Swiss Code of Civil Procedure apply.
Notice of cancellation
Notice of cancellation must be handed 3 months before the day of the annual due-date at the latest in written form.
Contract term
According to contract duration as stated in policy (only annual contracts with automatic yearly renewal).
Action in case of a claim
The insured person reports the legal incident as soon as possible. For further legal steps or the involvement of a lawyer, the insurance company has to be consulted.
Personal legal protection
Insured persons
Individual: Policyholder
Family: Policyholder and the following persons living in the same household: spouse or partner and their children
Furthermore: domestic staff while at work, and children who live elsewhere, but are registered at the address of their insured parent(s), are undergoing education or professional training and under 25 years of age.
The insured persons are covered in their capacity as:
private individuals
employed persons at work
tenants/renters
parties to a contract
pedestrians, cyclists, equestrians
passengers of a means of transport
Other insured legal areas
Tenancy law (for renters)
Consumer rights and other contracts
Travel law
Patient rights
Insurance law
Tort law
Criminal and administrative law (except for offences committed intentionally and not in self-defence or a state of necessity)
Legal counsel in the areas of law of persons, family law (including marriage, divorce, civil union and marriage-like union) and law of succession up to CHF 500 per case
Benefits
Up to CHF 500,000 per insured event or up to CHF 100,000 if the geographical scope of application is "worldwide"; for legal counsel up to CHF 500 (per case)
Additionally covered costs
Collection
Travel expenses resulting from court summonses if the costs exceed CHF 100
Procedural costs
Mediation costs
Translation costs
Other uncovered costs
Compensation for damage or personal suffering
The costs that a third party or a liability insurance is obliged to bear
Fines to which the policyholder is sentenced
Geographical limitations
Depending on the insured area, the cover applies:
in Switzerland and the Principality of Liechtenstein (up to CHF 500,000),
in the EU/EFTA (up to CHF 500,000),
worldwide (up to CHF 100,000).
Waiting period
Insurance cover commences on the day after the premium is paid. There is a qualifying period of 3 months for contractual disputes.
Exclusions
Legal cases concerning:
labour law if the insured person is an employer, board member or share holder or if he/she shares in the profits
ownership rights
criminal proceedings for deliberate offences or attempts thereat
disputes involving motor vehicles: covered through motor legal protection
intellectual property rights
debt enforcement and bankruptcy laws
collection of receivables
disputes resulting from the use of computer software and webhosting
disputes between persons who are insured under the same policy
disputes resulting from the policyholder's capacity as professional athlete or coach
proceedings before international and supranational courts
Choice of legal representative
The policyholder may freely choose a locally responsible lawyer if calling in an external lawyer is deemed necessary from a time- and case-related perspective.
Procedures in case of futility or differences in opinion
Arbitration proceedings are possible. The regulations of the Swiss Code of Civil Procedure apply.
Notice of cancellation
Notice of cancellation must be handed in 3 months before the annual due-date at the latest.
Contract term
According to term of insurance as stated in the policy (only annual contracts with automatic renewal).
Action in case of a claim
The insured person reports the legal incident as soon as possible. For further legal steps or the involvement of a lawyer, the insurance company has to be consulted.
Motor legal protection
Insured persons
Individual: Policyholder
Family: Policyholder and the following persons living in the same household: spouse or partner, their children (under the age of 26 years).
Furthermore: Residents of Switzerland riding as passengers in cars driven by the policyholder, except for services against payment
The insured persons are covered in their capacity as:
legitimate drivers of any motor vehicle on the road and privately used vessels
owners and keepers of vehicles
parties to a contract
pedestrians, cyclists, equestrians, users of inline skates, skateboards, rollerskis, scooters, etc.
passengers of any means of transport
holders of a driving licence recognised by Swiss authorities
Other insured legal areas
Road accidents
Patient's rights (in connection with a covered accident)
Travel laws
Disputes resulting from the use of offerings in the area of combined mobility (car-sharing and ride-sharing systems)
Property law
Alternative energy (electricity, gaz, water)
Benefits
Up to CHF 1 million per insured event or up to CHF 100,000 if the geographical scope of application is "worldwide"
Additionally covered costs
Procedural costs
Mediation costs
Travel expenses resulting from court summonses if the costs exceed CHF 100
Translations from translators/interpreters
Cost of collection of compensation awarded to the insured person
Other uncovered costs
Blood alcohol and similar tests and ordered medical examinations
Ordered traffic lessons
Geographical limitations
Depending on the insured area, the cover applies:
worldwide (up to CHF 100,000),
in Switzerland (up to CHF 1 million),
in the EU/EEA(up to CHF 1 million),
Waiting period
Insurance cover commences on the day after the premium is paid. There is a qualifying period of 2 months for contractual disputes that arose before insurance inception. This qualifying period does not apply if the holder had a previous insurance covering the same risk right up to the inception of the new policy.
Exclusions
Legal cases concerning...
active participation in races, rallies and other speed contests as well as race trainings
collection of receivables
disputes between persons who are insured under the same policy
disputes resulting from a committed felony or a deliberate misdemeanour or the attempt thereat
proceedings before international and supranational courts
Choice of legal representative
The policyholder may freely choose a locally responsible lawyer if calling in an external lawyer is deemed necessary from a time- and case-related perspective.
Procedures in case of futility or differences in opinion
Arbitration proceedings may be initiated. The regulations of the Swiss Code of Civil Procedure apply.
Notice of cancellation
Notice of cancellation must be handed 3 months before the day of the annual due-date at the latest in written form.
Contract term
According to contract duration as stated in policy (only annual contracts with automatic yearly renewal).
Action in case of a claim
The insured person reports the legal incident as soon as possible. For further legal steps or the involvement of a lawyer, the insurance company has to be consulted.
Insured persons
Individual: Policyholder
Family: Policyholder and the following persons living in the same household: spouse or partner, their children (under the age of 26 years).
Furthermore: Residents of Switzerland riding as passengers in cars driven by the policyholder, except for services against payment
The insured persons are covered in their capacity as:
legitimate drivers of any motor vehicle on the road and privately used vessels
owners and keepers of vehicles
parties to a contract
pedestrians, cyclists, equestrians, users of inline skates, skateboards, rollerskis, scooters, etc.
passengers of any means of transport
holders of a driving licence recognised by Swiss authorities
Other insured legal areas
Road accidents
Patient's rights (in connection with a covered accident)
Travel laws
Disputes resulting from the use of offerings in the area of combined mobility (car-sharing and ride-sharing systems)
Property law
Alternative energy (electricity, gaz, water)
Benefits
Up to CHF 2 million per insured event or up to CHF 200,000 if the geographical scope of application is "worldwide"
Additionally covered costs
Procedural costs
Mediation costs
Travel expenses resulting from court summonses if the costs exceed CHF 100
Translations from translators/interpreters
Cost of collection of compensation awarded to the insured person
Other uncovered costs
Blood alcohol and similar tests and ordered medical examinations
Ordered traffic lessons
Geographical limitations
Depending on the insured area, the cover applies:
worldwide (up to CHF 200,000),
in Switzerland (up to CHF 2 million),
in the EU/EEA(up to CHF 2 million),
Waiting period
Insurance cover commences on the day after the premium is paid. There is a qualifying period of 2 months for contractual disputes that arose before insurance inception. This qualifying period does not apply if the holder had a previous insurance covering the same risk right up to the inception of the new policy.
Exclusions
Legal cases concerning...
active participation in races, rallies and other speed contests as well as race trainings
collection of receivables
disputes between persons who are insured under the same policy
disputes resulting from a committed felony or a deliberate misdemeanour or the attempt thereat
proceedings before international and supranational courts
Choice of legal representative
The policyholder may freely choose a locally responsible lawyer if calling in an external lawyer is deemed necessary from a time- and case-related perspective.
Procedures in case of futility or differences in opinion
Arbitration proceedings may be initiated. The regulations of the Swiss Code of Civil Procedure apply.
Notice of cancellation
Notice of cancellation must be handed 3 months before the day of the annual due-date at the latest in written form.
Contract term
According to contract duration as stated in policy (only annual contracts with automatic yearly renewal).
Action in case of a claim
The insured person reports the legal incident as soon as possible. For further legal steps or the involvement of a lawyer, the insurance company has to be consulted.
Information about TCS insurance company
| Insurance carrier | Assista Rechtsschutz AG |
| Head office | Vernier |