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.
Information about Coop insurance company
Insurance carrier | Coop Rechtsschutz AG |
Head office | Aarau |