CAP legal protection insurance
Products from CAP
Insured persons
Individual: Policyholder
Family: Policyholder and all persons living in the same household as well as any underage or adult children still in education/training who are not living in the same household and who are supported by the policyholder or his/her partner. Other children who are under the temporary care of an insured person as well as domestic staff (for occupational accidents).
Other insured legal areas
Tenancy law (as renters of garages, storage and hobby rooms, holiday homes as well as landlords of owner-occupied property)
Labour law for employers in connection with the property
Disputes concerning communal costs, and the layout of the condominium units and shares in the property in case of condominium ownership
Disputes between neighbours
Objections to construction plans of neighbours
Objection by a neighbour to a building application by the policyholder
Disputes concerning an expropriation or ownership restriction
Association law
Traffic law (as cyclist, pedestrian, equestrian, hang-glider and passenger of any means of transport)
Criminal complaint (offences against personal honour excluded)
Legal advice regarding family, inheritance, tax or land ownership law (unlimited number of claims per year)
Benefits
Up to CHF 600,000 per case (cases in Europe, i.e. according to the "Green Card”)
Worldwide up to CHF 150,000 per case
Mediation in marriage law or drawing up of a separation or divorce agreement up to CHF 3000
Legal advice regarding family, inheritance, tax or land ownership law up to CHF 1500
Bail (advance): unlimited
Additionally covered costs
Costs and fees resulting from summary penalty orders, decreed fines and administrative measures imposed by the Road Traffic Office.
Travel expenses to court hearings abroad
Translation costs in case of disputes abroad
Geographical limitations
Worldwide. However, benefits are limited to max. CHF 150,000 per claim if the place of jurisdiction is outside Europe or non-European law is applicable.
Waiting period
Insurance cover commences after a waiting period of 3 months. No waiting period applies if policyholder was previously covered for the same risk (either with CAP or another insurer) and if he/she changes insurance without interruption. No waiting period applies to claims for damages, criminal proceedings and disputes with insurance companies.
Exclusions
Legal cases concerning:
Forced sale or building contractor's lien
Objections to land use plans
Disputes between co-op members or co-owners
Ownership law for movable property
Disputes concerning the purchase or sale of real estate
Disputes concerning non-self-inhabited property
Copyright and patent law
Disputes with live-in partners or room mates
Debt enforcement and bankruptcy law (covered if related to an insured case)
Inheritance law (legal advice only)
Disputes involving maintenance payments (legal advice only)
Disputes involving claims assigned to the policyholder
Choice of legal representative
For cases in which procedural law prescribes an external lawyer, the policyholder may suggest a lawyer. If CAP does not approve of this lawyer, the policyholder may suggest three other legal representatives from different law firms, among which CAP must choose one.
Procedures in case of futility or differences in opinion
The policyholder and CAP appoint an arbitrator together. The concordat's provisions regarding arbitral jurisdiction apply.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
According to contract duration as set out in the policy.
Action in case of a claim
The insurer must be notified in writing immediately.
Options
Supplementary insurance for self-employed persons or small entrepreneurs
Real estate legal protection insurance for non-owner-occupied property must be taken out separately
Personal legal protection
Insured persons
Individual: Policyholder
Family: Policyholder and all persons living in the same household as well as any underage or adult children still in education/training who are not living in the same household and who are supported by the policyholder or his/her partner. Other children who are under the temporary care of an insured person as well as domestic staff (for occupational accidents).
Other insured legal areas
Tenancy law (as renters of garages, storage and hobby rooms, holiday homes as well as landlords of owner-occupied property)
Labour law for employers in connection with the property
Disputes concerning communal costs, and the layout of the condominium units and shares in the property in case of condominium ownership
Disputes between neighbours
Objections to construction plans of neighbours
Objection by a neighbour to a building application by the policyholder
Disputes concerning an expropriation or ownership restriction
Association law
Traffic law (as cyclist, pedestrian, equestrian, hang-glider and passenger of any means of transport)
Criminal complaint (offences against personal honour excluded)
Legal advice regarding family, inheritance, tax or land ownership law (unlimited number of claims per year)
Benefits
Up to CHF 600,000 per case (cases in Europe, i.e. according to the "Green Card”)
Worldwide up to CHF 150,000 per case
Mediation in marriage law or drawing up of a separation or divorce agreement up to CHF 3000
Legal advice regarding family, inheritance, tax or land ownership law up to CHF 1500
Bail (advance): unlimited
Additionally covered costs
Costs and fees resulting from summary penalty orders, decreed fines and administrative measures imposed by the Road Traffic Office.
Travel expenses to court hearings abroad
Translation costs in case of disputes abroad
Geographical limitations
Worldwide. However, benefits are limited to max. CHF 150,000 per claim if the place of jurisdiction is outside Europe or non-European law is applicable.
Waiting period
Insurance cover commences after a waiting period of 3 months. No waiting period applies if policyholder was previously covered for the same risk (either with CAP or another insurer) and if he/she changes insurance without interruption. No waiting period applies to claims for damages, criminal proceedings and disputes with insurance companies.
Exclusions
Legal cases concerning:
Forced sale or building contractor's lien
Objections to land use plans
Disputes between co-op members or co-owners
Ownership law for movable property
Disputes concerning the purchase or sale of real estate
Disputes concerning non-self-inhabited property
Copyright and patent law
Disputes with live-in partners or room mates
Debt enforcement and bankruptcy law (covered if related to an insured case)
Inheritance law (legal advice only)
Disputes involving maintenance payments (legal advice only)
Disputes involving claims assigned to the policyholder
Choice of legal representative
For cases in which procedural law prescribes an external lawyer, the policyholder may suggest a lawyer. If CAP does not approve of this lawyer, the policyholder may suggest three other legal representatives from different law firms, among which CAP must choose one.
Procedures in case of futility or differences in opinion
The policyholder and CAP appoint an arbitrator together. The concordat's provisions regarding arbitral jurisdiction apply.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
According to contract duration as set out in the policy.
Action in case of a claim
The insurer must be notified in writing immediately.
Options
Supplementary insurance for self-employed persons or small entrepreneurs
Real estate legal protection insurance for non-owner-occupied property must be taken out separately
Motor legal protection
Insured persons
Individual: Policyholder in his/her capacity as driver, skipper, pilot, owner, holder or renter of any kind of vehicle, vessel and aircraft, and as other road user and passenger of any means of transport including public transport. Coverage also includes authorized drivers and passengers of a vehicle, vessel or aircraft belonging to the policyholder in connection with road traffic accidents and the violation of traffic regulations.
Family: Policyholder and all persons living in the same household as well as underage or adult children still in education/training who are not living in the same household and who are supported by the policyholder or his/her partner, and children who are under the temporary care of an insured person, in their capacity as driver, skipper, pilot, owner, holder or renter of any kind of vehicle, vessel and aircraft, or as other road user and passenger of any means of transport including public transport. Coverage also includes authorized drivers and passengers of a vehicle, vessel or aircraft belonging to the policyholder in connection with road traffic accidents and the violation of traffic regulations.
Other insured legal areas
Criminal complaint (offences against personal honour excluded)
Benefits
Up to CHF 600,000 per case (cases in Europe, i.e. according to the "Green Card"
Worldwide up to CHF 150,000 per case
Bail (advance): unlimited
Additionally covered costs
Costs and fees resulting from summary penalty orders, decreed fines and administrative measures imposed by the Road Traffic Office.
Travel expenses to court hearings abroad
Translation costs in case of disputes abroad
Geographical limitations
Worldwide. However, benefits are limited to max. CHF 150,000 per claim if the place of jurisdiction is outside Europe or non-European law is applicable.
Waiting period
Insurance cover commences after a waiting period of 3 months. No waiting period applies if policyholder was previously covered for the same risk (either with CAP or another insurer) and if he/she changes insurance without interruption. No waiting period applies to claims for damages, criminal proceedings and disputes with insurance companies.
Exclusions
Legal cases concerning:
Vehicle taxation (legal advice only)
Accidents under the influence of drugs
Choice of legal representative
For cases in which procedural law prescribes an external lawyer, the policyholder may suggest a lawyer. If CAP does not approve of this lawyer, the policyholder may suggest three other legal representatives from different law firms, among which CAP must choose one.
Procedures in case of futility or differences in opinion
The policyholder and CAP appoint an arbitrator together. The concordat's provisions regarding arbitral jurisdiction apply.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
According to contract duration as set out in the policy.
Action in case of a claim
The insurer must be notified in writing immediately.
Insured persons
Individual: Policyholder
Family: Policyholder and all persons living in the same household as well as any underage or adult children still in education/training who are not living in the same household and who are supported by the policyholder or his/her partner. Other children who are under the temporary care of an insured person as well as domestic staff (for occupational accidents).
Other insured legal areas
Tenancy law (for tenants and landlords of self-inhabited housing)
Association law
Traffic law (as cyclist, pedestrian, equestrian, hang-glider and passenger of any means of transport)
Criminal complaint (offences against personal honour excluded)
Legal advice regarding family, inheritance, tax or land ownership law (unlimited number of claims per year)
Benefits
Up to CHF 600,000 per case (cases in Europe, i.e. according to the "Green Card”)
Worldwide up to CHF 150,000 per case
Mediation in marriage law or drawing up of a separation or divorce agreement up to CHF 3000
Legal advice regarding family, inheritance, tax or land ownership law up to CHF 1500
Bail (advance): unlimited
Additionally covered costs
Costs and fees resulting from summary penalty orders, decreed fines and administrative measures imposed by the Road Traffic Office.
Travel expenses to court hearings abroad
Translation costs in case of disputes abroad
Geographical limitations
Worldwide. However, benefits are limited to max. CHF 150,000 per claim if the place of jurisdiction is outside Europe or non-European law is applicable.
Waiting period
Insurance cover commences after a waiting period of 3 months. No waiting period applies if policyholder was previously covered for the same risk (either with CAP or another insurer) and if he/she changes insurance without interruption. No waiting period applies to claims for damages, criminal proceedings and disputes with insurance companies.
Exclusions
Legal cases concerning:
Ownership law for movable property
Copyright and patent law
Disputes with live-in partners or room mates
Debt enforcement and bankruptcy law (covered if related to an insured case)
Inheritance law (legal advice only)
Disputes involving maintenance payments (legal advice only)
Disputes involving claims assigned to the policyholder
Choice of legal representative
For cases in which procedural law prescribes an external lawyer, the policyholder may suggest a lawyer. If CAP does not approve of this lawyer, the policyholder may suggest three other legal representatives from different law firms, among which CAP must choose one.
Procedures in case of futility or differences in opinion
The policyholder and CAP appoint an arbitrator together. The concordat's provisions regarding arbitral jurisdiction apply.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
According to contract duration as set out in the policy.
Action in case of a claim
The insurer must be notified in writing immediately.
Options
Extended coverage for home owners (see premium comparison)
Supplementary insurance for self-employed persons or small entrepreneurs
Real estate legal protection insurance for non-owner-occupied property must be taken out separately
Insured persons
Individual: Policyholder in his/her capacity as driver, skipper, pilot, owner, holder or renter of any kind of vehicle, vessel and aircraft, and as other road user and passenger of any means of transport including public transport. Coverage also includes authorized drivers and passengers of a vehicle, vessel or aircraft belonging to the policyholder in connection with road traffic accidents and the violation of traffic regulations.
Family: Policyholder and all persons living in the same household as well as underage or adult children still in education/training who are not living in the same household and who are supported by the policyholder or his/her partner, and children who are under the temporary care of an insured person, in their capacity as driver, skipper, pilot, owner, holder or renter of any kind of vehicle, vessel and aircraft, or as other road user and passenger of any means of transport including public transport. Coverage also includes authorized drivers and passengers of a vehicle, vessel or aircraft belonging to the policyholder in connection with road traffic accidents and the violation of traffic regulations.
Other insured legal areas
Criminal complaint (offences against personal honour excluded)
Benefits
Up to CHF 600,000 per case (cases in Europe, i.e. according to the "Green Card"
Worldwide up to CHF 150,000 per case
Bail (advance): unlimited
Additionally covered costs
Costs and fees resulting from summary penalty orders, decreed fines and administrative measures imposed by the Road Traffic Office.
Travel expenses to court hearings abroad
Translation costs in case of disputes abroad
Geographical limitations
Worldwide. However, benefits are limited to max. CHF 150,000 per claim if the place of jurisdiction is outside Europe or non-European law is applicable.
Waiting period
Insurance cover commences after a waiting period of 3 months. No waiting period applies if policyholder was previously covered for the same risk (either with CAP or another insurer) and if he/she changes insurance without interruption. No waiting period applies to claims for damages, criminal proceedings and disputes with insurance companies.
Exclusions
Legal cases concerning:
Vehicle taxation (legal advice only)
Accidents under the influence of drugs
Choice of legal representative
For cases in which procedural law prescribes an external lawyer, the policyholder may suggest a lawyer. If CAP does not approve of this lawyer, the policyholder may suggest three other legal representatives from different law firms, among which CAP must choose one.
Procedures in case of futility or differences in opinion
The policyholder and CAP appoint an arbitrator together. The concordat's provisions regarding arbitral jurisdiction apply.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
According to contract duration as set out in the policy.
Action in case of a claim
The insurer must be notified in writing immediately.
Personal legal protection
Insured persons
Individual: Policyholder
Family: Policyholder and all persons living in the same household as well as any underage or adult children still in education/training who are not living in the same household and who are supported by the policyholder or his/her partner. Other children who are under the temporary care of an insured person as well as domestic staff (for occupational accidents).
Other insured legal areas
Tenancy law (for tenants and landlords of self-inhabited housing)
Association law
Traffic law (as cyclist, pedestrian, equestrian, hang-glider and passenger of any means of transport)
Criminal complaint (offences against personal honour excluded)
Legal advice regarding family, inheritance, tax or land ownership law (unlimited number of claims per year)
Benefits
Up to CHF 600,000 per case (cases in Europe, i.e. according to the "Green Card”)
Worldwide up to CHF 150,000 per case
Mediation in marriage law or drawing up of a separation or divorce agreement up to CHF 3000
Legal advice regarding family, inheritance, tax or land ownership law up to CHF 1500
Bail (advance): unlimited
Additionally covered costs
Costs and fees resulting from summary penalty orders, decreed fines and administrative measures imposed by the Road Traffic Office.
Travel expenses to court hearings abroad
Translation costs in case of disputes abroad
Geographical limitations
Worldwide. However, benefits are limited to max. CHF 150,000 per claim if the place of jurisdiction is outside Europe or non-European law is applicable.
Waiting period
Insurance cover commences after a waiting period of 3 months. No waiting period applies if policyholder was previously covered for the same risk (either with CAP or another insurer) and if he/she changes insurance without interruption. No waiting period applies to claims for damages, criminal proceedings and disputes with insurance companies.
Exclusions
Legal cases concerning:
Ownership law for movable property
Copyright and patent law
Disputes with live-in partners or room mates
Debt enforcement and bankruptcy law (covered if related to an insured case)
Inheritance law (legal advice only)
Disputes involving maintenance payments (legal advice only)
Disputes involving claims assigned to the policyholder
Choice of legal representative
For cases in which procedural law prescribes an external lawyer, the policyholder may suggest a lawyer. If CAP does not approve of this lawyer, the policyholder may suggest three other legal representatives from different law firms, among which CAP must choose one.
Procedures in case of futility or differences in opinion
The policyholder and CAP appoint an arbitrator together. The concordat's provisions regarding arbitral jurisdiction apply.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
According to contract duration as set out in the policy.
Action in case of a claim
The insurer must be notified in writing immediately.
Options
Extended coverage for home owners (see premium comparison)
Supplementary insurance for self-employed persons or small entrepreneurs
Real estate legal protection insurance for non-owner-occupied property must be taken out separately
Motor legal protection
Insured persons
Individual: Policyholder in his/her capacity as driver, skipper, pilot, owner, holder or renter of any kind of vehicle, vessel and aircraft, and as other road user and passenger of any means of transport including public transport. Coverage also includes authorized drivers and passengers of a vehicle, vessel or aircraft belonging to the policyholder in connection with road traffic accidents and the violation of traffic regulations.
Family: Policyholder and all persons living in the same household as well as underage or adult children still in education/training who are not living in the same household and who are supported by the policyholder or his/her partner, and children who are under the temporary care of an insured person, in their capacity as driver, skipper, pilot, owner, holder or renter of any kind of vehicle, vessel and aircraft, or as other road user and passenger of any means of transport including public transport. Coverage also includes authorized drivers and passengers of a vehicle, vessel or aircraft belonging to the policyholder in connection with road traffic accidents and the violation of traffic regulations.
Other insured legal areas
Criminal complaint (offences against personal honour excluded)
Benefits
Up to CHF 600,000 per case (cases in Europe, i.e. according to the "Green Card"
Worldwide up to CHF 150,000 per case
Bail (advance): unlimited
Additionally covered costs
Costs and fees resulting from summary penalty orders, decreed fines and administrative measures imposed by the Road Traffic Office.
Travel expenses to court hearings abroad
Translation costs in case of disputes abroad
Geographical limitations
Worldwide. However, benefits are limited to max. CHF 150,000 per claim if the place of jurisdiction is outside Europe or non-European law is applicable.
Waiting period
Insurance cover commences after a waiting period of 3 months. No waiting period applies if policyholder was previously covered for the same risk (either with CAP or another insurer) and if he/she changes insurance without interruption. No waiting period applies to claims for damages, criminal proceedings and disputes with insurance companies.
Exclusions
Legal cases concerning:
Vehicle taxation (legal advice only)
Accidents under the influence of drugs
Choice of legal representative
For cases in which procedural law prescribes an external lawyer, the policyholder may suggest a lawyer. If CAP does not approve of this lawyer, the policyholder may suggest three other legal representatives from different law firms, among which CAP must choose one.
Procedures in case of futility or differences in opinion
The policyholder and CAP appoint an arbitrator together. The concordat's provisions regarding arbitral jurisdiction apply.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
According to contract duration as set out in the policy.
Action in case of a claim
The insurer must be notified in writing immediately.
Information about CAP insurance company
| Insurance carrier | CAP Rechtsschutz-Versicherungsgesellschaft AG |
| Head office | Wallisellen |