Coop legal protection insurance

Products from Coop

Personal legal protection

Insured persons

Individual: Insurance holder

Family: Insurance holder, his/her spouse or live-in partner as well as other relatives living in the same household

Other insured legal areas

  • Tenants' rights (for tenants)

  • Neighbouring rights

  • Property rights

  • Legal advice for all other legal disputes (one advice session per calendar year)

Benefits

Up to CHF 300,000 per case (within Europe) and CHF 30,000 (outside of Europe)
Fines and bail money (advance): within the extent of provided protection

Neighbours' rights up to CHF 3,000
Ownership laws up to CHF 3,000
Legal advice up to CHF 300

Legal matters concerning rights to indemnity, insurance, rent, contracts other than those for legal protection: Amount in dispute must be at least CHF 300

Additionally covered costs

  • Fees for verdicts and written documents involving tickets and administration procedures

Other uncovered costs

  • Fees

  • Translation costs

Geographical limitations

Damage compensation rights as well as advisory legal protection worldwide. Legal disputes concerning criminal proceedings or with insurance companies, health insurances and pension funds are covered within Europe and the Mediterranean coutries. The same applies to disputes of the insurance holder as tenant, owner, employee or neighbour.

Waiting period

Insurance protection begins after a waiting period of 3 months, except for legal issues concerning compensation for damages and criminal proceedings as well as disputes with insurances, health insurances or pension funds concerning accident (compensation for damages).

Exclusions

Legal cases concerning...

  • Labour laws if the insurance holder is a member of management or a board member or he is a professional athlete or coach

  • Conflicts involving the paid execution of sports

  • Criminal complaints against third parties

  • Criminal defence for deliberate offences: Costs covered only after acquittal

  • Persecution and bankruptcy laws

  • Cases involving self-inhabited property with over three apartments or property not inhabited by self (including vacation apartments) which are rented out for over two months per year.

  • Copyright and patent laws

  • Conflicts with live-in partners: Conflicts with married or unmarried partners are only provided protection for legal advice (one session per case). Conflicts with roommates are not covered.

  • Inheritance matters (legal advice only)

  • Matters involving maintenance payments (legal advice only)

Choice of legal representative

If it is proven necessary to consult a lawyer, the insurance holder may choose a legal representative freely. The insurance however has the right to refuse a suggested lawyer. The insurance holder may then suggest 3 law offices from which one has to be chosen. Before assigning a lawyer, the approval as well as cost approval must be obtained from Coop legal insurance.

Procedures in case of futility or differences in opinion

Arbitration proceedings may be initiated. Decisions made by the concordate for arbitral jurisdiction apply.

Notice of cancellation

Notice of termination must be handed in at least one month before contract is due to expire.

Contract term

According to contract duration as stated in the insurance policy. Duration may vary between 1 and 5 years.

Action in case of a claim

The insurer must be notified immediately, in writing if requested.

Extras

Benefits to victims of violent acts

  • Case of death: CHF 150,000 resp. CHF 10,000 (children and young persons up to the age of 18)

  • Full disability: CHF 300,000 resp. lifelong pension for those over 65 years of age

  • Medical costs: unlimited amount over 5 years

  • Material damage: up to CHF 5,000 per case

Applicants have a 14-day right of withdrawal after having received the policy.

Motor legal protection

Insured persons

Individual: Insurance holder as owner, driver or holder of a vehicle, as a pedestrian, bicyclist, moped driver and passenger (of any kind of transportation).

Family: Insurance holder, his partner and other family members living in the same household as vehicle owners, drivers or holders, as pedestrians, bicyclists, moped drivers and passengers (of any kind of transportation).

Insured vehicles:

  • Motor vehicles matriculated in the name of an insured individual (including replacement vehicles if applicable)

  • Water vehicles matriculated in the name of an insured invidual in Switzerland and stationed within the country

  • Motor vehicles rented by an insured individual

Benefits

Up to CHF 300,000 (Europe) per case; CHF 30,000 outside of Europe
Bail money (advance): within this sum

Contract laws: up to CHF 3,000

For matters concerning the right to indemnity, contract or insurance matters, the amount in dispute must be at least CHF 300.

Additionally covered costs

  • Fees for verdicts and written documents involving administration procedures and tickets

Other uncovered costs

  • Fees

  • Blood alcohol and drug tests

Geographical limitations

Damage compensation rights as well as advisory legal protection worldwide. Legal disputes insurances, administrative and criminal proceedings are covered within Europe and the Mediterranean countries.

Waiting period

Legal protection for contractual disputes concerning insured vehicles begins after a waiting period of 3 months.

Exclusions

Legal matters concerning...

  • Criminal defence for deliberate legal trespasses: covered only upon acquittal

  • Criminal complaint against third parties

  • Active participation in races or competitions

  • Neglect to comply with parking or stopping regulations: covered within the scope of criminal law providing incident was unintentional

  • Incidents occurring under the influence of alcohol or drugs: covered within the scope of criminal law providing occurrents was not deliberate

  • Gross negligence: will result in reduced coverage

Choice of legal representative

If it is proven necessary to consult a lawyer, the insurance holder may choose a legal representative freely. The insurance however has the right to refuse a suggested lawyer. The insurance holder may then suggest 3 law offices from which one has to be chosen. Before assigning a lawyer, the approval as well as cost approval must be obtained from Coop legal insurance.

Procedures in case of futility or differences in opinion

Arbitration proceedings may be initiated. Decisions made by the concordat for arbitral jurisdiction apply.

Notice of cancellation

Notice of termination at least 1 month prior to contract expiry.

Contract term

According to duration as stated in insurance policy. May be anywhere from 1 to 5 years.

Action in case of a claim

The insurer must be notified immediately, in writing if desired.

Insured persons

Individual: Insurance holder

Family: Insurance holder, his/her spouse or live-in partner as well as other relatives living in the same household

Other insured legal areas

Basis-Modul Privat (Streitigkeiten in allen wichtigen Bereichen des privaten Alltags, inklusive Gesundheits- und Internet-Rechtsschutz)

  • Schadenersatzrecht

  • Strafverteidigung bei fahrlässiger Straftat

  • Versicherungsrecht

  • Patientenrecht

  • Vertragsrecht inkl. Online-Verträge

  • Streitigkeiten als Opfer von Internet-Kriminalität (Cyber-Mobbing, Phishing, Hacking, Kreditkartenmissbrauch, Urheberrechtsverletzung)

  • Streitigkeiten aus selbständiger Erwerbstätigkeit bis Jahresumsatz CHF 20'000

Zusätzlich über Zusatzmodule individuell erhältlich:

  • Verkehrsbereich als Eigentümer/Halter/Lenker von Motorfahrzeugen

  • Arbeitsrecht

  • Mietrecht

  • Eigentumsrecht

  • Öffentliches Bau- und Planungsrecht

  • Beratungsrechtsschutz in sämtlichen übrigen Rechtsstreitigkeiten (eine Beratung pro Kalenderjahr)

Benefits

Je nach gewählter Variante:
Eco max. CHF 500'000, Comfort max. CHF 750'000 oder Deluxe max. CHF 1 Mio., jeweils weltweit
Strafkautionen (Vorschuss): im Rahmen dieser Garantiessumme

Internetrechtsschutz:
Eco max. CHF 50'000, Comfort max. CHF 75'000, Deluxe max. CHF 100'000
Mietrecht als Vermieter, Nachbarrecht, Eigentumsrecht, Vertragsrecht im Zusammenhang mit bewillichtungspflichtigen Bauen, Bau- und Planungsrecht jeweils:
Eco max. CHF 5'000, Comfort, max. CHF 7'500, Deluxe max. CHF 10'000
Rechtsberatung:
Eco max. CHF 500, Comfort max. CHF 750, Deluxe max. CHF 1'000
Kein Mindeststreitwert

Additionally covered costs

  • Schreib- und Spruchgebühren bei Strafmandaten und Administrativmassnahmen

  • Anwalt erster Stunde (Strafrecht)

  • Reisekosten an Gerichtsverhandlung

  • Übersetzungskosten

Other uncovered costs

  • Bussen, Geld- und Konventionalstrafen

  • Schadenersatz und Genugtuung

  • Kosten für öffentliche Beurkundung und Registereinträge

  • Kosten für behördliche Bewilligungen und Prüfungen

Geographical limitations

Weltweite Deckung

Waiting period

Insurance protection begins after a waiting period of 3 months, except for legal issues concerning compensation for damages and criminal proceedings as well as disputes with insurances, health insurances or pension funds concerning accident (compensation for damages).

Exclusions

Rechtsfälle betreffend...

  • Strafanzeige gegen Drittpersonen

  • Strafverteidigung bei vorsätzlicher Verletzung der Rechtsvorschriften: Kostenübernahme nur nach einem Freispruch

  • Schuldbetreibungs- und Konkursrecht

  • Fälle im Zusammenhang mit selbstbewohnten Liegenschaften mit mehr als drei Wohnungen oder mit nicht selbst bewohnten Liegenschaften, sowie Ferienwohnungen, welche länger als zwei Monate im Jahr vermietet werden.

  • Streitigkeiten mit Wohn- oder Konkubinatspartnern: Im Rahmen des Beratungsrechtsschutzes sind Streitigkeiten mit Ehe- oder Konkubinatspartnern versichert (einmalige Beratung pro Angelegenheit). Streitigkeiten unter Wohnpartnern im Sinne von Wohngemeinschaften sind nicht gedeckt.

  • Erbschaftsrecht (nur Beratungsrechtsschutz)

  • Streitigkeiten betreffend Unterhaltszahlungen (nur Beratungsrechtsschutz)

Choice of legal representative

If it is proven necessary to consult a lawyer, the insurance holder may choose a legal representative freely. The insurance however has the right to refuse a suggested lawyer. The insurance holder may then suggest 3 law offices from which one has to be chosen. Before assigning a lawyer, the approval as well as cost approval must be obtained from Coop legal insurance.

Procedures in case of futility or differences in opinion

Arbitration proceedings may be initiated. Decisions made by the concordate for arbitral jurisdiction apply.

Notice of cancellation

Notice of termination must be handed in at least one month before contract is due to expire.

Contract term

According to contract duration as stated in the insurance policy. Duration may vary between 1 and 5 years.

Action in case of a claim

The insurer must be notified immediately, in writing if requested.

Extras

Im Basis-Modul Privat automatisch enthalten:
Leistungen an Opfer von Gewaltverbrechen

  • Todesfall: CHF 150'000 bzw. CHF 10'000 (Kinder und Jugendliche bis 18 Jahre)

  • Ganzinvalidität: CHF 300'000 bzw. eine lebenslängliche Rente für über 65-jährige Personen

  • Heilungskosten: Betraglich unbegrenzt während 5 Jahren

  • Sachschäden: max. CHF 5'000 pro Fall

Modulares-Produkt:

  • Nebst Grundmodul Privat individuell wählbare Rechtsgebiete (Verkehr, Arbeit, Wohnungsmiete, Eigentum)

  • Drei Leistungsvarianten (Versicherungssummen)

  • Freier Zugang zu Rechtsanwalt und Selbstbehalt wählbar

Antragssteller hat 14-tägiges Rücktrittsrecht nach Erhalt der Police.

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Information about Coop insurance company

Insurance carrier

Coop Rechtsschutz AG

Head office

Aarau

Overview of Swiss legal protection insurance

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