CSS legal protection insurance
Products from CSS
Insured persons
Individual:
Policyholder
Underage persons staying with the policyholder on a temporary basis
Family:
Policyholder
Spouse/registered partner living in the same household
Any other individuals sharing the policyholder's household
Any non-employed children of the policyholder's (including stepchildren and foster children) not sharing his household, up to their 25th birthday. Apprenticeship and internship are not deemed to be an employment within the meaning of this provision.
Underage persons staying with the policyholder on a temporary basis
Other insured legal areas
Property law
Works and services contract law
Cover for tenants and leaseholders
Land and condominium ownership
Copyright law
Self-employed sideline activity (up to an annual turnover of max. CHF 18,000)
Renovations and extensions to owner-occupied property (total construction sum of max. CHF 100,000)
Legal protection for drivers
Tax law
Inheritance law
Legal advice by telephone in all legal areas
Benefits
Max. CHF 1,00,000 per case (worldwide)
Max. CHF 100,000 per case (outside Europe)
Max. CHF 50,000 for sideline activities / copyright law
Max. CHF 2,000 for tax law and inheritance law
Max. CHF 500 per legal case and year for advice
Additionally covered costs
Collection in the context of an insured legal dispute
Necessary, court-ordered expert opinions/reports
Translation costs and travel expenses that are necessary in case of court hearings abroad (max. CHF 10,000)
Other uncovered costs
Costs and fees arising from the first decision in criminal proceedings regarding traffic offences and administrative proceedings; these are payable by the policyholder, also if an appeal is lodged
Geographical limitations
Worldwide insurance coverage
(Exceptions: Other contract law and copyright law are covered in Europe, works and services contract law and labour law in Switzerland and its neighbouring countries, and legal protection for tenants and leaseholders, tax law and inheritance law, self-employed sideline activities and protection for legal advice in Switzerland only.)
Waiting period
Insurance cover commences after a waiting period of 1 month. The waiting period does not apply to civil damages, criminal law, property law, legal protection for drivers and legal advice by telephone.
Insurance cover for tax law and inheritance law commences after a waiting period of 1 year.
Exclusions
Family law (only protection for legal advice up to CHF 500)
Cases in the context of self-employment with a total annual turnover of more than CHF 18,000
Cases under debt enforcement and bankruptcy law
Disputes between common law partners, cohabitants, spouses and partners in civil union
Legal protection relating to the collection of uncontested claims
Cases relating to unreported employment, libel or deliberate violation of the law
Disputes relating to the practising of sports against payment and coaching or training activities from a disputed amount of CHF 30,000
Legal cases relating to a motor vehicle, watercraft or aircraft (motor legal protection)
Choice of legal representative
The insurer makes the decision whether to involve a lawyer. When an external lawyer is called in, the policyholder can freely choose who this will be. However, the insurance company has the right to turn down the recommendation of a lawyer. The policy holder can then propose three legal offices, from which one must be chosen.
Procedures in case of futility or differences in opinion
The policyholder has the right to invoke arbitration within 20 days.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
Optional: 1, 3 or 5 years (long-term discount: 3% for 3 years and 5% for 5 years)
Action in case of a claim
CSS must be notified of a new claim by telephone or e-mail immediately. If a legal deadline has been set, the claim must always be reported by telephone.
Extras
Motor legal protection
Legal protection for patients
Internet legal protection
Legal protection against mobbing
Legal protection for additional properties
Legal protection for landlords
Insured persons
Individual:
Policyholder
Underage persons staying with the policyholder on a temporary basis
Family:
Policyholder
Spouse/registered partner living in the same household
Any other individuals sharing the policyholder's household
Any non-employed children of the policyholder's (including stepchildren and foster children) not sharing his household, up to their 25th birthday. Apprenticeship and internship are not deemed to be an employment within the meaning of this provision.
Underage persons staying with the policyholder on a temporary basis
Other insured legal areas
Tort law
Property law
Insurance law
Renting a garage
Cases as owner, holder or pilot of an aircraft of up to 5,7 tonnes MTOW
Benefits
Max. CHF 1,000,000 per case (worldwide)
Max. CHF100,000 per case (outside Europe)
Additionally covered costs
Collection in the context of an insured legal dispute
Necessary, court-ordered expert opinions/reports
Court fees and other procedural costs payable by the policyholder, including advance money
Translation costs and travel expenses that are necessary in case of court hearings abroad (max. CHF 10,000)
Other uncovered costs
Costs and fees arising from the first decision in criminal proceedings regarding traffic offences and administrative proceedings; these are payable by the policyholder, also if an appeal is lodged
Geographical limitations
Worldwide insurance coverage
(Exceptions: Renting a garage is covered in Europe, and suspension of driving licence and taxation in Switzerland only)
Waiting period
No waiting period applies.
Exclusions
Legal protection relating to the collection of uncontested claims
Cases relating to the participation in motor races and contests (including unauthorized races on public roads), including training
Incidents as owner/holder of commercial vehicles
If accused of speeding
Cases in the context of the following events in case of a second offence: accused of driving while unfit to drive under the influence of alcohol, medication or drugs; or if refusing to provide a blood sample
Legal cases concerning personal legal protection insurance
Choice of legal representative
The insurer makes the decision whether to involve a lawyer. When an external lawyer is called in, the policyholder can freely choose who this will be. However, the insurance company has the right to turn down the recommendation of a lawyer. The policy holder can then propose three legal offices, from which one must be chosen.
Procedures in case of futility or differences in opinion
The policyholder has the right to invoke arbitration within 20 days.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
Optional: 1, 3 or 5 years (long-term discount: 3% for 3 years and 5% for 5 years)
Action in case of a claim
CSS must be notified of a new claim by telephone or e-mail immediately. If a legal deadline has been set, the claim must always be reported by telephone.
Extras
Personal legal protection
Legal protection for patients
Internet legal protection
Legal protection against mobbing
Legal protection for additional properties
Legal protection for landlords
Personal legal protection
Insured persons
Individual:
Policyholder
Underage persons staying with the policyholder on a temporary basis
Family:
Policyholder
Spouse/registered partner living in the same household
Any other individuals sharing the policyholder's household
Any non-employed children of the policyholder's (including stepchildren and foster children) not sharing his household, up to their 25th birthday. Apprenticeship and internship are not deemed to be an employment within the meaning of this provision.
Underage persons staying with the policyholder on a temporary basis
Other insured legal areas
Property law
Works and services contract law
Cover for tenants and leaseholders
Land and condominium ownership
Copyright law
Self-employed sideline activity (up to an annual turnover of max. CHF 18,000)
Renovations and extensions to owner-occupied property (total construction sum of max. CHF 100,000)
Legal protection for drivers
Tax law
Inheritance law
Legal advice by telephone in all legal areas
Benefits
Max. CHF 1,00,000 per case (worldwide)
Max. CHF 100,000 per case (outside Europe)
Max. CHF 50,000 for sideline activities / copyright law
Max. CHF 2,000 for tax law and inheritance law
Max. CHF 500 per legal case and year for advice
Additionally covered costs
Collection in the context of an insured legal dispute
Necessary, court-ordered expert opinions/reports
Translation costs and travel expenses that are necessary in case of court hearings abroad (max. CHF 10,000)
Other uncovered costs
Costs and fees arising from the first decision in criminal proceedings regarding traffic offences and administrative proceedings; these are payable by the policyholder, also if an appeal is lodged
Geographical limitations
Worldwide insurance coverage
(Exceptions: Other contract law and copyright law are covered in Europe, works and services contract law and labour law in Switzerland and its neighbouring countries, and legal protection for tenants and leaseholders, tax law and inheritance law, self-employed sideline activities and protection for legal advice in Switzerland only.)
Waiting period
Insurance cover commences after a waiting period of 1 month. The waiting period does not apply to civil damages, criminal law, property law, legal protection for drivers and legal advice by telephone.
Insurance cover for tax law and inheritance law commences after a waiting period of 1 year.
Exclusions
Family law (only protection for legal advice up to CHF 500)
Cases in the context of self-employment with a total annual turnover of more than CHF 18,000
Cases under debt enforcement and bankruptcy law
Disputes between common law partners, cohabitants, spouses and partners in civil union
Legal protection relating to the collection of uncontested claims
Cases relating to unreported employment, libel or deliberate violation of the law
Disputes relating to the practising of sports against payment and coaching or training activities from a disputed amount of CHF 30,000
Legal cases relating to a motor vehicle, watercraft or aircraft (motor legal protection)
Choice of legal representative
The insurer makes the decision whether to involve a lawyer. When an external lawyer is called in, the policyholder can freely choose who this will be. However, the insurance company has the right to turn down the recommendation of a lawyer. The policy holder can then propose three legal offices, from which one must be chosen.
Procedures in case of futility or differences in opinion
The policyholder has the right to invoke arbitration within 20 days.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
Optional: 1, 3 or 5 years (long-term discount: 3% for 3 years and 5% for 5 years)
Action in case of a claim
CSS must be notified of a new claim by telephone or e-mail immediately. If a legal deadline has been set, the claim must always be reported by telephone.
Extras
Motor legal protection
Legal protection for patients
Internet legal protection
Legal protection against mobbing
Legal protection for additional properties
Legal protection for landlords
Motor legal protection
Insured persons
Individual:
Policyholder
Underage persons staying with the policyholder on a temporary basis
Family:
Policyholder
Spouse/registered partner living in the same household
Any other individuals sharing the policyholder's household
Any non-employed children of the policyholder's (including stepchildren and foster children) not sharing his household, up to their 25th birthday. Apprenticeship and internship are not deemed to be an employment within the meaning of this provision.
Underage persons staying with the policyholder on a temporary basis
Other insured legal areas
Tort law
Property law
Insurance law
Renting a garage
Cases as owner, holder or pilot of an aircraft of up to 5,7 tonnes MTOW
Benefits
Max. CHF 1,000,000 per case (worldwide)
Max. CHF100,000 per case (outside Europe)
Additionally covered costs
Collection in the context of an insured legal dispute
Necessary, court-ordered expert opinions/reports
Court fees and other procedural costs payable by the policyholder, including advance money
Translation costs and travel expenses that are necessary in case of court hearings abroad (max. CHF 10,000)
Other uncovered costs
Costs and fees arising from the first decision in criminal proceedings regarding traffic offences and administrative proceedings; these are payable by the policyholder, also if an appeal is lodged
Geographical limitations
Worldwide insurance coverage
(Exceptions: Renting a garage is covered in Europe, and suspension of driving licence and taxation in Switzerland only)
Waiting period
No waiting period applies.
Exclusions
Legal protection relating to the collection of uncontested claims
Cases relating to the participation in motor races and contests (including unauthorized races on public roads), including training
Incidents as owner/holder of commercial vehicles
If accused of speeding
Cases in the context of the following events in case of a second offence: accused of driving while unfit to drive under the influence of alcohol, medication or drugs; or if refusing to provide a blood sample
Legal cases concerning personal legal protection insurance
Choice of legal representative
The insurer makes the decision whether to involve a lawyer. When an external lawyer is called in, the policyholder can freely choose who this will be. However, the insurance company has the right to turn down the recommendation of a lawyer. The policy holder can then propose three legal offices, from which one must be chosen.
Procedures in case of futility or differences in opinion
The policyholder has the right to invoke arbitration within 20 days.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
Optional: 1, 3 or 5 years (long-term discount: 3% for 3 years and 5% for 5 years)
Action in case of a claim
CSS must be notified of a new claim by telephone or e-mail immediately. If a legal deadline has been set, the claim must always be reported by telephone.
Extras
Personal legal protection
Legal protection for patients
Internet legal protection
Legal protection against mobbing
Legal protection for additional properties
Legal protection for landlords
Insured persons
Individual:
Policyholder
Family:* Policyholder
Spouse/registered partner living in the same household
Any non-employed children of the policyholder's (including stepchildren and foster children) not sharing his household, up to their 25th birthday. Apprenticeship and internship are not deemed to be an employment within the meaning of this provision.
Other insured legal areas
Property law
Works and services contract law
Cover for tenants and leaseholders
Land and condominium ownership
Renovations and extensions to owner-occupied property (total construction sum of max. CHF 100,000)
Legal advice by telephone in all legal areas
Benefits
Max. CHF 300,000 per case (Switzerland and neighbouring countries)
Max. CHF 20,000 per case for works and services contract law in the case of renovations and extensions
Max. CHF 10,000 for legal protection as tenant or leaseholder
Max. CHF 300 per legal case and year for advice
Additionally covered costs
Collection in the context of an insured legal dispute
Necessary, court-ordered expert opinions/reports
Other uncovered costs
Costs and fees arising from the first decision in criminal proceedings regarding traffic offences and administrative proceedings; these are payable by the policyholder, also if an appeal is lodged
Geographical limitations
Coverage applies in Switzerland and its neighbouring countries.
(Exceptions: Insurance law, works and services contract law, labour law, legal protection for tenants and leaseholders, legal protection for land and condominium owners, and protection for legal advice are covered in Switzerland only)
Waiting period
Insurance cover commences after a waiting period of 3 months. The waiting period does not apply to civil damages, criminal law, property law and legal advice by telephone.
Exclusions
Family law, inheritance law (only protection for legal advice up to CHF 300)
Cases in the context of self-employment
Cases relating to debt enforcement and bankruptcy law
Disputes between common law partners, cohabitants, spouses and partners in civil union
Legal protection relating to the collection of uncontested claims
Cases relating to unreported employment, libel or deliberate violation of the law
Disputes relating to the practising of sports against payment and coaching or training activities from a disputed amount of CHF 30,000
Legal cases relating to a motor vehicle, watercraft or aircraft (motor legal protection)
Choice of legal representative
The insurer makes the decision whether to involve a lawyer. When an external lawyer is called in, the policyholder can freely choose who this will be. However, the insurance company has the right to turn down the recommendation of a lawyer. The policy holder can then propose three legal offices, from which one must be chosen.
Procedures in case of futility or differences in opinion
The policyholder has the right to invoke arbitration within 20 days.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
Optional: 1, 3 or 5 years (long-term discount: 3% for 3 years and 5% for 5 years)
Action in case of a claim
CSS must be notified of a new claim by telephone or e-mail immediately. If a legal deadline has been set, the claim must always be reported by telephone.
Extras
Motor legal protection
Legal protection for patients
Internet legal protection
Legal protection against mobbing
Legal protection for additional properties
Legal protection for landlords
Insured persons
Individual:
Policyholder
Family:
Policyholder
Spouse/registered partner living in the same household
Any non-employed children of the policyholder's (including stepchildren and foster children) sharing his household, up to their 25th birthday. Apprenticeship and internship are not deemed to be an employment within the meaning of this provision.
Other insured legal areas
Tort law
Property law
Insurance law
Renting a garage
Benefits
Max. CHF 300,000 per case (throughout Europe)
Additionally covered costs
Collection in the context of an insured legal dispute
Necessary, court-ordered expert opinions/reports
Court fees and other procedural costs payable by the policyholder, including advance money
Other uncovered costs
Costs and fees arising from the first decision in criminal proceedings regarding traffic offences and administrative proceedings; these are payable by the policyholder, also if an appeal is lodged
Geographical limitations
Insurance coverage applies throughout Europe.
(Exceptions: Renting a garage, suspension of driving licence and taxation are covered in Switzerland only)
Waiting period
No waiting period applies.
Exclusions
Legal protection relating to the collection of uncontested claims
Cases relating to the participation in motor races and contests (including unauthorized races on public roads), including training
Incidents as owner/holder of commercial vehicles
If accused of speeding
Cases in the context of the following events in case of a second offence: accused of driving while unfit to drive under the influence of alcohol, medication or drugs; or if refusing to provide a blood sample
Cases as owner, holder or pilot of an aircraft
Legal cases concerning personal legal protection insurance
Choice of legal representative
The insurer makes the decision whether to involve a lawyer. When an external lawyer is called in, the policyholder can freely choose who this will be. However, the insurance company has the right to turn down the recommendation of a lawyer. The policy holder can then propose three legal offices, from which one must be chosen.
Procedures in case of futility or differences in opinion
The policyholder has the right to invoke arbitration within 20 days.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
Optional: 1, 3 or 5 years (long-term discount: 3% for 3 years and 5% for 5 years)
Action in case of a claim
CSS must be notified of a new claim by telephone or e-mail immediately. If a legal deadline has been set, the claim must always be reported by telephone.
Extras
Personal legal protection
Legal protection for patients
Internet legal protection
Legal protection against mobbing
Legal protection for additional properties
Legal protection for landlords
Personal legal protection
Insured persons
Individual:
Policyholder
Family:* Policyholder
Spouse/registered partner living in the same household
Any non-employed children of the policyholder's (including stepchildren and foster children) not sharing his household, up to their 25th birthday. Apprenticeship and internship are not deemed to be an employment within the meaning of this provision.
Other insured legal areas
Property law
Works and services contract law
Cover for tenants and leaseholders
Land and condominium ownership
Renovations and extensions to owner-occupied property (total construction sum of max. CHF 100,000)
Legal advice by telephone in all legal areas
Benefits
Max. CHF 300,000 per case (Switzerland and neighbouring countries)
Max. CHF 20,000 per case for works and services contract law in the case of renovations and extensions
Max. CHF 10,000 for legal protection as tenant or leaseholder
Max. CHF 300 per legal case and year for advice
Additionally covered costs
Collection in the context of an insured legal dispute
Necessary, court-ordered expert opinions/reports
Other uncovered costs
Costs and fees arising from the first decision in criminal proceedings regarding traffic offences and administrative proceedings; these are payable by the policyholder, also if an appeal is lodged
Geographical limitations
Coverage applies in Switzerland and its neighbouring countries.
(Exceptions: Insurance law, works and services contract law, labour law, legal protection for tenants and leaseholders, legal protection for land and condominium owners, and protection for legal advice are covered in Switzerland only)
Waiting period
Insurance cover commences after a waiting period of 3 months. The waiting period does not apply to civil damages, criminal law, property law and legal advice by telephone.
Exclusions
Family law, inheritance law (only protection for legal advice up to CHF 300)
Cases in the context of self-employment
Cases relating to debt enforcement and bankruptcy law
Disputes between common law partners, cohabitants, spouses and partners in civil union
Legal protection relating to the collection of uncontested claims
Cases relating to unreported employment, libel or deliberate violation of the law
Disputes relating to the practising of sports against payment and coaching or training activities from a disputed amount of CHF 30,000
Legal cases relating to a motor vehicle, watercraft or aircraft (motor legal protection)
Choice of legal representative
The insurer makes the decision whether to involve a lawyer. When an external lawyer is called in, the policyholder can freely choose who this will be. However, the insurance company has the right to turn down the recommendation of a lawyer. The policy holder can then propose three legal offices, from which one must be chosen.
Procedures in case of futility or differences in opinion
The policyholder has the right to invoke arbitration within 20 days.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
Optional: 1, 3 or 5 years (long-term discount: 3% for 3 years and 5% for 5 years)
Action in case of a claim
CSS must be notified of a new claim by telephone or e-mail immediately. If a legal deadline has been set, the claim must always be reported by telephone.
Extras
Motor legal protection
Legal protection for patients
Internet legal protection
Legal protection against mobbing
Legal protection for additional properties
Legal protection for landlords
Motor legal protection
Insured persons
Individual:
Policyholder
Family:
Policyholder
Spouse/registered partner living in the same household
Any non-employed children of the policyholder's (including stepchildren and foster children) sharing his household, up to their 25th birthday. Apprenticeship and internship are not deemed to be an employment within the meaning of this provision.
Other insured legal areas
Tort law
Property law
Insurance law
Renting a garage
Benefits
Max. CHF 300,000 per case (throughout Europe)
Additionally covered costs
Collection in the context of an insured legal dispute
Necessary, court-ordered expert opinions/reports
Court fees and other procedural costs payable by the policyholder, including advance money
Other uncovered costs
Costs and fees arising from the first decision in criminal proceedings regarding traffic offences and administrative proceedings; these are payable by the policyholder, also if an appeal is lodged
Geographical limitations
Insurance coverage applies throughout Europe.
(Exceptions: Renting a garage, suspension of driving licence and taxation are covered in Switzerland only)
Waiting period
No waiting period applies.
Exclusions
Legal protection relating to the collection of uncontested claims
Cases relating to the participation in motor races and contests (including unauthorized races on public roads), including training
Incidents as owner/holder of commercial vehicles
If accused of speeding
Cases in the context of the following events in case of a second offence: accused of driving while unfit to drive under the influence of alcohol, medication or drugs; or if refusing to provide a blood sample
Cases as owner, holder or pilot of an aircraft
Legal cases concerning personal legal protection insurance
Choice of legal representative
The insurer makes the decision whether to involve a lawyer. When an external lawyer is called in, the policyholder can freely choose who this will be. However, the insurance company has the right to turn down the recommendation of a lawyer. The policy holder can then propose three legal offices, from which one must be chosen.
Procedures in case of futility or differences in opinion
The policyholder has the right to invoke arbitration within 20 days.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
Optional: 1, 3 or 5 years (long-term discount: 3% for 3 years and 5% for 5 years)
Action in case of a claim
CSS must be notified of a new claim by telephone or e-mail immediately. If a legal deadline has been set, the claim must always be reported by telephone.
Extras
Personal legal protection
Legal protection for patients
Internet legal protection
Legal protection against mobbing
Legal protection for additional properties
Legal protection for landlords
Information about CSS insurance company
| Insurance carrier | Orion Rechtsschutz-Versicherung AG |
| Head office | Lucerne |