TCS legal protection insurance
Products from TCS
Insured persons
Individual: Policyholder
Family: The policyholder and the following persons living in the same household: spouse or partner and their children under the age of 26.
Furthermore: children who live elsewhere, but are registered at the address of their insured parent(s), are undergoing education.
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)
Labour law
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 following areas:
Personal law,
Family law,
Succession law,
Education law (including daycare),
Child and adult protection law.
If it becomes necessary to consult a lawyer, a notary, or a state-certified mediator, the fee will be covered up to CHF 500 per matter.
Benefits
Coverage limits in Switzerland, Liechtenstein, the EU, the UK, and EFTA: max. CHF 750,000
Coverage limits worldwide: max. CHF 200,000
Additionally covered costs
Court and Legal Costs
Pre-litigation and litigation attorney fees
Costs of expert opinions and analyses
Litigation compensation
Collection costs for compensation awarded to the insured
Travel expenses resulting from court summonses if the costs exceed CHF 100
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 750,000),
in the EU/EFTA/UK (up to CHF 750,000),
worldwide (up to CHF 200,000).
Waiting period
Insurance coverage begins after a 2-month waiting period, with the exception of claims for damages, victim assistance, medical malpractice, criminal law, and disputes with insurance companies.
Furthermore, the waiting periods do not apply if there is prior insurance coverage for the same risk and there is a seamless transition in coverage.
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 1 day before the annual due-date at the latest.
Contract term
1 year
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: The policyholder and the following persons living in the same household: spouse or partner and their children under the age of 26.
Furthermore: children who live elsewhere, but are registered at the address of their insured parent(s), are undergoing education.
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)
Labour law
Consumer rights and other contracts
Travel law
Patient rights
Insurance law
Tort law
Tax law
Criminal and administrative law (except for offences committed intentionally and not in self-defence or a state of necessity)
Legal counsel in the following areas:
Personal law,
Family law,
Succession law,
Education law (including daycare),
Child and adult protection law.
If it becomes necessary to consult a lawyer, a notary, or a state-certified mediator, the fee will be covered up to CHF 500 per matter.
Benefits
Coverage limits in Switzerland, Liechtenstein, the EU, the UK, and EFTA: max. CHF 1,500,000
Coverage limits worldwide: max. CHF 300,000
Additionally covered costs
Court and Legal Costs
Pre-litigation and litigation attorney fees
Costs of expert opinions and analyses
Litigation compensation
Collection costs for compensation awarded to the insured
Travel expenses resulting from court summonses if the costs exceed CHF 100
Mediation costs
Translation costs
Written Legal Advice and Document Review
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 1,500,000),
in the EU/EFTA/UK (up to CHF 1,500,000),
worldwide (up to CHF 300,000).
Waiting period
Insurance coverage begins after a 2-month waiting period, with the exception of claims for damages, victim assistance, medical malpractice, criminal law, and disputes with insurance companies.
Furthermore, the waiting periods do not apply if there is prior insurance coverage for the same risk and there is a seamless transition in coverage.
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 1 day before the annual due-date at the latest.
Contract term
1 year
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: The policyholder and the following persons living in the same household: spouse or partner and their children under the age of 26.
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
Coverage limits in Switzerland, Liechtenstein, the EU, the UK, and EFTA: max. CHF 1,000,000
Coverage limits worldwide: max. CHF 100,000
Additionally covered costs
Court and Legal Costs
Pre-litigation and litigation attorney fees
Costs of expert opinions and analyses
Litigation compensation
Collection costs for compensation awarded to the insured
Travel expenses resulting from court summonses if the costs exceed CHF 100
Mediation costs
Other uncovered costs
Compensation for Damages and Restitution
Costs that a third party or a liability insurer is obligated to cover
Fines imposed on the insured person
Blood alcohol and drug tests
Ordered traffic lessons
Geographical limitations
Depending on the insured area, the cover applies:
in Switzerland and the Principality of Liechtenstein (up to CHF 1,000,000),
in the EU/EFTA/UK (up to CHF 1,000,000),
worldwide (up to CHF 100,000).
Waiting period
Insurance coverage begins after a 2-month waiting period, with the exception of claims for damages, victim assistance, medical malpractice, criminal law, and disputes with insurance companies.
Furthermore, the waiting periods do not apply if there is prior insurance coverage for the same risk and there is a seamless transition in coverage.
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 in 1 day before the annual due-date at the latest.
Contract term
1 year
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: The policyholder and the following persons living in the same household: spouse or partner and their children under the age of 26.
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
Coverage limits in Switzerland, Liechtenstein, the EU, the UK, and EFTA: max. CHF 2,000,000
Coverage limits worldwide: max. CHF 200,000
Additionally covered costs
Court and Legal Costs
Pre-litigation and litigation attorney fees
Costs of expert opinions and analyses
Litigation compensation
Collection costs for compensation awarded to the insured
Travel expenses resulting from court summonses if the costs exceed CHF 100
Mediation costs
Other uncovered costs
Compensation for Damages and Restitution
Costs that a third party or a liability insurer is obligated to cover
Fines imposed on the insured person
Blood alcohol and drug tests
Ordered traffic lessons
Geographical limitations
Depending on the insured area, the cover applies:
in Switzerland and the Principality of Liechtenstein (up to CHF 2,000,000),
in the EU/EFTA/UK (up to CHF 2,000,000),
worldwide (up to CHF 200,000).
Waiting period
Insurance coverage begins after a 2-month waiting period, with the exception of claims for damages, victim assistance, medical malpractice, criminal law, and disputes with insurance companies.
Furthermore, the waiting periods do not apply if there is prior insurance coverage for the same risk and there is a seamless transition in coverage.
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 in 1 day before the annual due-date at the latest.
Contract term
1 year
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 |