Coop legal protection legal protection insurance

Personal legal protection insurance

Insured persons

Individual: Policyholder

Family: policyholder and all persons living permanently in the same household. Minors and children still in education/training are insured even if they live elsewhere.

Additional insured areas of law

• Tort law

• Criminal defence for negligent criminal offences

• Insurance law

• Tenancy law

• Labour law

• Patient rights

• Contract law including online contracts

• Disputes as victims of Internet crime (cyberbullying, phishing, hacking, credit card misuse, copyright infringement)

• Neighbourhood rights

• Property law

• Expropriation law

• Public construction and planning law

• Disputes relating to self-employment up to annual sales of CHF 20,000

• Tax law: appeals and complaints procedure

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

Insurance benefit

• up to CHF 750'000 worldwide
  Bail (paid by way of an advance): as part of this guaranteed amount

• Internet legal protection: up to CHF 75,000

• Contract law in connection with construction requiring a permit up to CHF 7,500

• Construction and planning law up to CHF 75,000

• Legal advice up to CHF 1,500

• No minimum amount in dispute

Additional costs covered

• Administrative fees and court costs for penalty orders and administrative measures

• Lawyer – for the first hour (criminal law)

• Travel expenses for court hearings

• Loss of earnings due to travelling/participation in court hearing

• Translation costs

Additional uncovered costs

• Fines, financial penalties and contractual penalties

• Compensation for damages and personal suffering

• Cost of public certification and register entries

• Cost of official approvals and tests

Geographical scope of application

• Worldwide cover

Waiting period

• Insurance cover commences after a waiting period of 3 months, with the exception of compensation for damages, criminal proceedings and disputes with insurance companies, health insurers and occupational pension funds relating to accidents (tort law).

Exclusions

Legal cases concerning:

• Criminal charges filed against third parties

• Criminal defence in the case of deliberate violation of legal provisions: Assumption of costs only after acquittal

• Debt collection and bankruptcy laws

• Cases involving owner-occupied properties containing more than three apartments or non-owner-occupied properties or properties located abroad, as well as holiday apartments rented out for more than two months per year.

• Disputes with cohabiting partners: disputes with spouses or cohabiting partners are included in legal advice cover (one consultation per issue). Disputes between house or flat sharers are not covered.

• Inheritance law (legal advice cover only)

• Disputes involving maintenance payments (legal advice cover only)

Choice of attorney

• If the involvement of an attorney proves necessary, the insured is able to freely choose the attorney to represent them. However, the insurance company has the right to turn down a proposed attorney. The insured can then propose three legal offices, from which one must be chosen. Before hiring the attorney, the consent and commitment to provide cover of Coop Rechtsschutz must be obtained.

Procedure for hopeless cases or differences of opinion

• An arbitration procedure may be instituted. The provisions of the concordat regarding arbitral jurisdiction apply.

Notice period

• Notice to cancel given by policyholder: one day’s notice possible at any time

• Notice to cancel given by insurer: one month before contract expiry.

Contract term

• According to contract term as set out in the policy. Minimum contract term of one year. Usually one year with tacit renewal.

What to do in the event of a claim

• The insurer must be notified immediately, upon request in writing.

Extras

Benefits for victims of violent crime

• Death benefits: CHF 150,000 or CHF 10,000 (children and young people up to the age of 18)

• Total disability: CHF 300,000 or a life-long pension for persons over 65

• Treatment costs: unlimited amount for five years

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

The applicant has a 14-day right to cancel from the date the policy is received.

Motor legal protection

Insured persons

Individual: policyholder in their capacity as owner, driver or keeper of a vehicle, as a pedestrian, cyclist, motorcyclist or passenger (of any type of transportation) of a vehicle or on public transport.

Family: policyholder, and all persons permanently living in the same household (minors and children still in education/training even if they live elsewhere), in their capacity as owner, driver or keeper of a vehicle, as a pedestrian, cyclist, motorcyclist or passenger (of any type of transportation) of a vehicle or on public transport.

Insured vehicles:

• Motor vehicles registered in the name of an insured person (including any replacement vehicles)

• Watercraft registered and moored in Switzerland in the name of an insured person

• Motor vehicles rented by an insured person

Insurance benefit

• up to CHF 750'000 worldwide
  Bail (paid by way of an advance): as part of this guaranteed amount

• Legal advice cover: up to CHF 1'500

• No minimum amount in dispute

Additional costs covered

• Administrative fees and court costs for penalty orders and administrative measures

• Travel expenses for court hearings

• Translation costs

Additional uncovered costs

• Expenses

• Blood alcohol and drug analyses

Geographical scope of application

• Worldwide cover

Waiting period

• Insurance cover for contractual disputes relating to insured vehicles commences after a waiting period of three months.

Exclusions

Legal cases concerning:

• Criminal defence in the case of deliberate violation of legal provisions: Assumption of costs only after acquittal

• Criminal charges filed against third parties

• Active participation in competitions or races

• Failure to observe the no-stopping or no-parking rules: Covered under criminal law, unless intentional

• Influence of alcohol or drugs: Covered under criminal law, unless intentional

• Gross negligence: benefits are reduced.

Choice of attorney

• If the involvement of an attorney proves necessary, the insured is able to freely choose the attorney to represent them. However, the insurance company has the right to turn down a proposed attorney. The insured can then propose three legal offices, from which one must be chosen. Before hiring the attorney, the consent and commitment to provide cover of Coop Rechtsschutz must be obtained.

Procedure for hopeless cases or differences of opinion

• An arbitration procedure may be instituted. The provisions of the concordat regarding arbitral jurisdiction apply.

Notice period

• Notice to cancel given by policyholder: one day’s notice possible at any time

• Notice to cancel given by insurer: one month before contract expiry.

Contract term

• According to contract term as set out in the policy. Minimum contract term of one year. Usually one year with tacit renewal.

What to do in the event of a claim

• The insurer must be notified immediately, upon request in writing.

Insured persons

Individual: Policyholder

Family: policyholder and all persons living permanently in the same household. Minors and children still in education/training are insured even if they live elsewhere.

Additional insured areas of law

• Basic private module (disputes in all of the important areas of everyday life, including health and Internet legal protection)

• Tort law

• Criminal defence for negligent criminal offences

• Insurance law

• Patient rights

• Contract law including online contracts

• Disputes as victims of Internet crime (cyberbullying, phishing, hacking, credit card misuse, copyright infringement)

• Disputes relating to self-employment up to annual sales of CHF 20,000

• Tax law: appeal and complaint proceedings

• Legal advice cover for all other legal disputes

Also individually available via additional modules:

• Traffic area for owners/keepers/drivers of motor vehicles

• Labour law

• Tenancy law

• Property law, incl. public construction and planning law

Insurance benefit

• Depending on the option chosen:
  Eco up to CHF 500,000, Comfort up to CHF 750,000 or Deluxe up to CHF 1 million, worldwide
  Bail (paid by way of an advance): as part of this guaranteed amount

• Internet legal protection:
  ECO up to CHF 50,000, Comfort up to CHF 75,000, Deluxe up to CHF 100,000

• Contract law in connection with building projects requiring approval, construction and planning law, in each case:
  Eco up to CHF 5,000, Comfort, up to CHF 7,500, Deluxe up to CHF 10,000

• Public building and planning law, expropriation law: Eco up to CHF 50,000, Comfort up to CHF 75,000, Deluxe up to CHF 100,000

• Legal advice:
  Eco up to CHF 1,000, Comfort up to CHF 1,500, Deluxe up to CHF 3,000

• No minimum amount in dispute

Additional costs covered

• Administrative fees and court costs for penalty orders and administrative measures

• Lawyer – for the first hour (criminal law)

• Travel expenses for court hearings

• Loss of earnings due to travelling/participation in court hearing

• Translation costs

Additional uncovered costs

• Fines, financial penalties and contractual penalties

• Compensation for damages and personal suffering

• Cost of public certification and register entries

• Cost of official approvals and tests

Geographical scope of application

• Worldwide cover

Waiting period

• Insurance cover commences after a waiting period of 3 months, with the exception of compensation for damages, criminal proceedings and disputes with insurance companies, health insurers and occupational pension funds relating to accidents (tort law).

Exclusions

Legal cases concerning:

• Criminal charges filed against third parties

• Criminal defence in the case of deliberate violation of legal provisions: Assumption of costs only after acquittal

• Debt collection and bankruptcy laws

• Cases involving owner-occupied properties containing more than three apartments or non-owner-occupied properties or properties located abroad, as well as holiday apartments rented out for more than two months per year.

• Disputes with cohabiting partners: disputes with spouses or cohabiting partners are included in legal advice cover (one consultation per issue). Disputes between house or flat sharers are not covered.

• Inheritance law (legal advice cover only)

• Disputes involving maintenance payments (legal advice cover only)

Choice of attorney

• If the involvement of an attorney proves necessary, the insured is able to freely choose the attorney to represent them. However, the insurance company has the right to turn down a proposed attorney. The insured can then propose three legal offices, from which one must be chosen. Before hiring the attorney, the consent and commitment to provide cover of Coop Rechtsschutz must be obtained.

Procedure for hopeless cases or differences of opinion

• An arbitration procedure may be instituted. The provisions of the concordat regarding arbitral jurisdiction apply.

Notice period

• Notice to cancel given by policyholder: one day’s notice possible at any time

• Notice to cancel given by insurer: one month before contract expiry.

Contract term

• According to contract term as set out in the policy. Minimum contract term of one year. Usually one year with tacit renewal.

What to do in the event of a claim

• The insurer must be notified immediately, upon request in writing.

Extras

• Automatically included in the basic private module:
  Benefits for victims of violent crime

• Death benefits: CHF 150,000 or CHF 10,000 (children and young people up to the age of 18)

• Total disability: CHF 300,000 or a life-long pension for persons over 65

• Treatment costs: unlimited amount for five years

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

Modular product:

• As well as the basic private module, individually selectable areas of law (traffic, employment, tenancy, property)

• Three benefit levels (sums insured)

The applicant has a 14-day right to cancel from the date the policy is received.