Basler legal protection insurance

Products from Basler

Insured persons

Individual: Policyholders Family: Policyholder and his/her family members (partner, children and dependents living in the same household)

Other insured legal areas

  • Tenants' rights (tenants)

  • Criminal charges (except breach of honour and in the case of malicious acts)

  • Legal advice (single session, for matters involving neighbours' and individuals' rights, inheritance and family law; excluding divorce laws) up to max. CHF 500

Additionally covered costs

Collection

Benefits

up to CHF 250,000 per case including bail money (advance); outside of Europe up to CHF 50,000;
for legal advice up to CHF 500 (per case)

Other uncovered costs

Translation costs

Geographical limitations

Depending on the insured area, the coverage applies

  • worldwide (up to at most CHF 50,000), for legal disputes concerning compensation for damages, criminal and administrative penalty law,

  • in Europe for consumer rights and other contracts,

  • or only with place of jurisdiction in Switzerland or Liechtenstein. This concerns disputes concerning insurance and contract matters as well as legal advice.

Waiting period

Insurance cover commences on the day after the premium is paid. There is a qualifying period of 3 months for contractual disputes unless the holder had a previous insurance covering the same risk right up to the inception of the new policy.

Exclusions

Legal proceedings concerning ...

  • Labour laws if the insurance holder is an employer.

  • Ownership rights

  • Criminal proceedings for deliberate offences (except for cases involving the closing of proceeding and abatements of action)

  • Conflicts involving motor vehicles

  • Patent and copyright laws

  • Prosecution and bankruptcy laws

  • Inheritance laws (legal advice only)

  • Matters involving alimony payments

  • Conflicts with live-in partners or roommates

  • Conflicts involving the remunerated execution of sports

Choice of legal representative

The insurance holder may demand bringing in an external lawyer and select him/her freely with the approval of Assista, given bringing in a lawyer is necessary.

Procedures in case of futility or differences in opinion

Arbitration prodeedings may be initiated within 90 days. Decisions made by the concordat concerning arbitral jurisdiction apply.

Notice of cancellation

Notice of termination at least 3 months before annual due-date.

Contract term

According to contract duration as stated in insurance policy (minimum contract duration is 1 year with automatic annual renewal).

Action in case of a claim

The insurance provider, Basler's or TCS' responsible branch office must be notified as soon as possible. Further legal steps or the bringing in of a lawyer must be made in consultation with the insurance company.

Options

Optionally to private legal protection, legal protection for buildings can be taken out

Insured persons

Individual: Policyholder Family: Policyholder and his/her family members (partner, children and dependents living in the same household)

Other insured legal areas

  • Criminal charges (except breach of honour and in the case of malicious acts)

Benefits

up to CHF 250,000 per case including bail money (advance)

Additionally covered costs

Collection

Other uncovered costs

Translation costs

Geographical limitations

The insurance applies to claims in Europe.

Waiting period

Insurance cover commences on the day after the premium is paid. There is a qualifying period of 3 months for contractual disputes unless the holder had a previous insurance covering the same risk right up to the inception of the new policy.

Exclusions

Legal proceedings concerning ...

  • criminal proceedings for deliberate offences (except for cases involving the closing of proceeding and acquittals)

  • collection of undisputed claims

  • administrative proceedings

  • disputes concerning participation in races, rallyes or similar race or training drives

  • proceedigs of international or supranational legal authorities

Choice of legal representative

The insurance holder may demand bringing in an external lawyer and select him/her freely with the approval of Assista, given bringing in a lawyer is necessary.

Procedures in case of futility or differences in opinion

Arbitration prodeedings may be initiated within 90 days. Decisions made by the concordat concerning arbitral jurisdiction apply.

Notice of cancellation

Notice of termination up to 3 months before annual due-date.

Contract term

According to contract duration as stated in insurance policy (only annual contracts with automatic renewal).

Action in case of a claim

The insurance provider, Basler's or TCS' responsible branch office must be notified as soon as possible. Further legal steps or the bringing in of a lawyer must be made in consultation with the insurance company.

Personal legal protection

Insured persons

Individual: Policyholders Family: Policyholder and his/her family members (partner, children and dependents living in the same household)

Other insured legal areas

  • Tenants' rights (tenants)

  • Criminal charges (except breach of honour and in the case of malicious acts)

  • Legal advice (single session, for matters involving neighbours' and individuals' rights, inheritance and family law; excluding divorce laws) up to max. CHF 500

Additionally covered costs

Collection

Benefits

up to CHF 250,000 per case including bail money (advance); outside of Europe up to CHF 50,000;
for legal advice up to CHF 500 (per case)

Other uncovered costs

Translation costs

Geographical limitations

Depending on the insured area, the coverage applies

  • worldwide (up to at most CHF 50,000), for legal disputes concerning compensation for damages, criminal and administrative penalty law,

  • in Europe for consumer rights and other contracts,

  • or only with place of jurisdiction in Switzerland or Liechtenstein. This concerns disputes concerning insurance and contract matters as well as legal advice.

Waiting period

Insurance cover commences on the day after the premium is paid. There is a qualifying period of 3 months for contractual disputes unless the holder had a previous insurance covering the same risk right up to the inception of the new policy.

Exclusions

Legal proceedings concerning ...

  • Labour laws if the insurance holder is an employer.

  • Ownership rights

  • Criminal proceedings for deliberate offences (except for cases involving the closing of proceeding and abatements of action)

  • Conflicts involving motor vehicles

  • Patent and copyright laws

  • Prosecution and bankruptcy laws

  • Inheritance laws (legal advice only)

  • Matters involving alimony payments

  • Conflicts with live-in partners or roommates

  • Conflicts involving the remunerated execution of sports

Choice of legal representative

The insurance holder may demand bringing in an external lawyer and select him/her freely with the approval of Assista, given bringing in a lawyer is necessary.

Procedures in case of futility or differences in opinion

Arbitration prodeedings may be initiated within 90 days. Decisions made by the concordat concerning arbitral jurisdiction apply.

Notice of cancellation

Notice of termination at least 3 months before annual due-date.

Contract term

According to contract duration as stated in insurance policy (minimum contract duration is 1 year with automatic annual renewal).

Action in case of a claim

The insurance provider, Basler's or TCS' responsible branch office must be notified as soon as possible. Further legal steps or the bringing in of a lawyer must be made in consultation with the insurance company.

Options

Optionally to private legal protection, legal protection for buildings can be taken out

Motor legal protection

Insured persons

Individual: Policyholder Family: Policyholder and his/her family members (partner, children and dependents living in the same household)

Other insured legal areas

  • Criminal charges (except breach of honour and in the case of malicious acts)

Benefits

up to CHF 250,000 per case including bail money (advance)

Additionally covered costs

Collection

Other uncovered costs

Translation costs

Geographical limitations

The insurance applies to claims in Europe.

Waiting period

Insurance cover commences on the day after the premium is paid. There is a qualifying period of 3 months for contractual disputes unless the holder had a previous insurance covering the same risk right up to the inception of the new policy.

Exclusions

Legal proceedings concerning ...

  • criminal proceedings for deliberate offences (except for cases involving the closing of proceeding and acquittals)

  • collection of undisputed claims

  • administrative proceedings

  • disputes concerning participation in races, rallyes or similar race or training drives

  • proceedigs of international or supranational legal authorities

Choice of legal representative

The insurance holder may demand bringing in an external lawyer and select him/her freely with the approval of Assista, given bringing in a lawyer is necessary.

Procedures in case of futility or differences in opinion

Arbitration prodeedings may be initiated within 90 days. Decisions made by the concordat concerning arbitral jurisdiction apply.

Notice of cancellation

Notice of termination up to 3 months before annual due-date.

Contract term

According to contract duration as stated in insurance policy (only annual contracts with automatic renewal).

Action in case of a claim

The insurance provider, Basler's or TCS' responsible branch office must be notified as soon as possible. Further legal steps or the bringing in of a lawyer must be made in consultation with the insurance company.

Compare premiums

Information about Basler insurance company

Insurance carrier

TCS AG

Head office

Vernier

Overview of Swiss legal protection insurance

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