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.

Compare premiums

Information about CAP insurance company

Insurance carrier

CAP Rechtsschutz-Versicherungsgesellschaft AG

Head office

Wallisellen

Overview of Swiss legal protection insurance

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