Provider overview

DAS legal protection insurance

Here you can find information on DAS legal protection insurance. The information is divided into products, company details and miscellaneous.
The general information on private and motor legal protection applies to all insurance companies.

Products of DAS

  • DAS basic (Personal legal protection)


    Individual: Insurance holder

    Family: Insurance holder and individuals who live in the same household on a permanent basis. Can be extended onto family members with external domicile with a supplemental agreement.


    • Tenancy laws (tenants, for landlords additionally insurable, see options)
    • Law concerning the interests of neighbours
    • Claims for compensation and criminal charges according to the Swiss victim assistance law
    • Rights of ownership are a component of land owner coverage and – for a premium surcharge - are insured with other legal areas.

    Basic: max. CHF 200,000 per case

    • Expertisen (in Absprache der DAS oder auf Anordnung des Gerichts)
    • Kosten für Zahlungsbefehl, Rechtsöffnungsverfahren, Pfändung, Pfändungsverlustschein und Konkursandrohung


    Classic: Switzerland and Liechtenstein

    Waiting period of 3 months for contractual disputes. If the dispute arose from a contract signed during the waiting period, the period does not apply. No waiting period in case of accidents. Waiting period of 1 year for disputes regarding invalidity insurance. No waiting period applies if you seamlessly switch to DAS from another provider of legal protection insurance and if the claim in question would have been covered under your previous legal protection insurance.

    Legal cases concerning ...

    • Disputes regarding an independent, profit-orientated activity, which does not involve an employment contract
    • Objections to building plans, forced liquidation of the property, contractors‘ rights of lien and similar
    • Disputes between persons insured under the same policy
    • Defence against non-contractual indemnity claims and contractual penalties
    • Disputes regarding air craft subject to registration unless an appropriate additional agreement exists
    • Disputes regarding deprivation of liberty for the purposes of providing care

    In case of conflicting interests and where procedural law stipulates an external lawyer, the policyholder may choose the lawyer. If DAS rejects this lawyer, the policyholder may suggest 3 other lawyers of which DAS will select one.

    Arbitration proceedings may be initiated within 30 days. Decisions made by the concordate for arbitral jurisdiction apply.

    Notice of termination must be handed in at least 3 months before the contract is due to expire.

    According to duration as stated in the insurance policy. Minimum contract duration is 1 year. Premiums are guaranteed not to rise during the period of duration.

    Action in case of a claim
    The insurer must be notified immediately.

    Options
    Risks that can be insured for a surcharge:
    • Landlord cover
    • Land owner cover
    • Tenant cover for additional rental property
    • Labour law for members of an executive committee or board of directors
  • DAS basic (Motor legal protection)


    Individual: Policyholder

    Family:

    • Policyholder
    • Persons permanently living in the same household as the policyholder
    • Children not living in the same household if they are under age or in education and if the policyholder or his/her partner are responsible for their support
    • Any minors under the temporary care of the insured person
    • Domestic staff for the consequences of an accident while working in the house

    As pedestrian in road traffic, cyclist including the use of mopeds, e-bikes, inline skates, skateboards, scooters and similar means of transportation, passenger in public or private transport, private or professional driver or individual holder, owner, renter or lessee of a registered road vehicle, railway vehicle or watercraft. Other drivers or passengers of vehicles registered in your name are also included in the coverage.

    Compensation claims and criminal complaints according to Swiss Victim Support Act

    Up to CHF 400,000 per case; plus legal advice from in-house lawyers and legal practitioners about all insured legal areas

    • Expert reports (in agreement with DAS or as ordered by a court)
    • Costs of payment summons, procedure for the removal of an objection ("Rechtsöffnungsverfahren"), distraint, loss certificate and bankruptcy notice


    Basic: Switzerland and bordering countries


    There is no waiting period.

    Legal matters concerning...

    • Active participation in races or competitions (must be insured separately)
    • Disputes related to water and air vehicles subject to registration, given no such supplementary agreement was made
    • Dosputes between persons who are insured with the same policy
    • Defence of non-contractual claims to compensation of damage and penalties

    In case of conflicting interests and where procedural law stipulates an external lawyer, the policyholder may choose the lawyer. If DAS rejects this lawyer, the policyholder may suggest 3 other lawyers of which DAS will select one.

    Arbitration proceedings may be initiated within 30 days. Decisions made by the concordat for arbitral jurisdiction apply.

    Cancellation deadline 30 days before expiry of contract.

    According to duration as stated in insurance policy. Minimum contract duration is 1 year. Premiums are guaranteed to stay the same during this entire period.

    Action in case of a claim
    The insurer must be notified immediately.

    Options
    Risks that can be insured for a surcharge:
    • Disputes relating to the participation in races or competitions or the attending of practice sessions
    • Aircraft with a take-off weight of up to 5.7 t
  • DAS basic (Personal and motor legal protection)

    Personal legal protection


    Individual: Insurance holder

    Family: Insurance holder and individuals who live in the same household on a permanent basis. Can be extended onto family members with external domicile with a supplemental agreement.


    • Tenancy laws (tenants, for landlords additionally insurable, see options)
    • Law concerning the interests of neighbours
    • Claims for compensation and criminal charges according to the Swiss victim assistance law
    • Rights of ownership are a component of land owner coverage and – for a premium surcharge - are insured with other legal areas.

    Basic: max. CHF 200,000 per case

    • Expertisen (in Absprache der DAS oder auf Anordnung des Gerichts)
    • Kosten für Zahlungsbefehl, Rechtsöffnungsverfahren, Pfändung, Pfändungsverlustschein und Konkursandrohung


    Classic: Switzerland and Liechtenstein

    Waiting period of 3 months for contractual disputes. If the dispute arose from a contract signed during the waiting period, the period does not apply. No waiting period in case of accidents. Waiting period of 1 year for disputes regarding invalidity insurance. No waiting period applies if you seamlessly switch to DAS from another provider of legal protection insurance and if the claim in question would have been covered under your previous legal protection insurance.

    Legal cases concerning ...

    • Disputes regarding an independent, profit-orientated activity, which does not involve an employment contract
    • Objections to building plans, forced liquidation of the property, contractors‘ rights of lien and similar
    • Disputes between persons insured under the same policy
    • Defence against non-contractual indemnity claims and contractual penalties
    • Disputes regarding air craft subject to registration unless an appropriate additional agreement exists
    • Disputes regarding deprivation of liberty for the purposes of providing care

    In case of conflicting interests and where procedural law stipulates an external lawyer, the policyholder may choose the lawyer. If DAS rejects this lawyer, the policyholder may suggest 3 other lawyers of which DAS will select one.

    Arbitration proceedings may be initiated within 30 days. Decisions made by the concordate for arbitral jurisdiction apply.

    Notice of termination must be handed in at least 3 months before the contract is due to expire.

    According to duration as stated in the insurance policy. Minimum contract duration is 1 year. Premiums are guaranteed not to rise during the period of duration.

    Action in case of a claim
    The insurer must be notified immediately.

    Options
    Risks that can be insured for a surcharge:
    • Landlord cover
    • Land owner cover
    • Tenant cover for additional rental property
    • Labour law for members of an executive committee or board of directors

    Motor legal protection


    Individual: Policyholder

    Family:

    • Policyholder
    • Persons permanently living in the same household as the policyholder
    • Children not living in the same household if they are under age or in education and if the policyholder or his/her partner are responsible for their support
    • Any minors under the temporary care of the insured person
    • Domestic staff for the consequences of an accident while working in the house

    As pedestrian in road traffic, cyclist including the use of mopeds, e-bikes, inline skates, skateboards, scooters and similar means of transportation, passenger in public or private transport, private or professional driver or individual holder, owner, renter or lessee of a registered road vehicle, railway vehicle or watercraft. Other drivers or passengers of vehicles registered in your name are also included in the coverage.

    Compensation claims and criminal complaints according to Swiss Victim Support Act

    Up to CHF 400,000 per case; plus legal advice from in-house lawyers and legal practitioners about all insured legal areas

    • Expert reports (in agreement with DAS or as ordered by a court)
    • Costs of payment summons, procedure for the removal of an objection ("Rechtsöffnungsverfahren"), distraint, loss certificate and bankruptcy notice


    Basic: Switzerland and bordering countries


    There is no waiting period.

    Legal matters concerning...

    • Active participation in races or competitions (must be insured separately)
    • Disputes related to water and air vehicles subject to registration, given no such supplementary agreement was made
    • Dosputes between persons who are insured with the same policy
    • Defence of non-contractual claims to compensation of damage and penalties

    In case of conflicting interests and where procedural law stipulates an external lawyer, the policyholder may choose the lawyer. If DAS rejects this lawyer, the policyholder may suggest 3 other lawyers of which DAS will select one.

    Arbitration proceedings may be initiated within 30 days. Decisions made by the concordat for arbitral jurisdiction apply.

    Cancellation deadline 30 days before expiry of contract.

    According to duration as stated in insurance policy. Minimum contract duration is 1 year. Premiums are guaranteed to stay the same during this entire period.

    Action in case of a claim
    The insurer must be notified immediately.

    Options
    Risks that can be insured for a surcharge:
    • Disputes relating to the participation in races or competitions or the attending of practice sessions
    • Aircraft with a take-off weight of up to 5.7 t
  • DAS classic (Personal legal protection)


    Individual: Insurance holder

    Family: Insurance holder and individuals who live in the same household on a permanent basis. Can be extended onto family members with external domicile with a supplemental agreement.


    • Tenancy laws (tenants, for landlords additionally insurable, see options)
    • Law concerning the interests of neighbours
    • Claims for compensation and criminal charges according to the Swiss victim assistance law
    • Rights of ownership are a component of land owner coverage and – for a premium surcharge - are insured with other legal areas.

    max. CHF 500,000 per case in CH and EEA
    max. CHF 150,000 per case outside CH and EEA

    Plus:
    • Legal advice from in-house lawyers and legal practitioners about all insured legal areas
    • Legal advice from in-house (unlimited amount) and external (up to CHF 500 per case per insurance year) lawyers and legal practitioners about the following legal areas: law of persons, family law, non-marital cohabitation, registered partnership of same-sex couples, divorce law, child and adult protection law, law of succession, urban planning and building law (construction project with official authorisation), objections to construction plans, administrative law, data protection and privacy, copyright

    • Expert reports (in agreement with DAS or as ordered by a court)
    • Costs of payment summons, procedure for the removal of an objection ("Rechtsöffnungsverfahren"), distraint, loss certificate and bankruptcy notice
    • Cost of a mediation process according to recognised rules (conflict resolution out of court) up to CHF 3,000
    • Travelling expenses to court hearings
    • Loss of income incurred due to court hearings and legal inspections ordered by a court if attendance of policyholder is imperative (up to CHF 5,000 per case)
    • Expenses and administrative charges of a summary penalty order or an administrative measure up to CHF 300 per year


    Classic: Switzerland and Liechtenstein


    Waiting period of 3 months for contractual disputes. If the dispute arose from a contract signed during the waiting period, the period does not apply. No waiting period in case of accidents. Waiting period of 1 year for disputes regarding invalidity insurance. No waiting period applies if you seamlessly switch to DAS from another provider of legal protection insurance and if the claim in question would have been covered under your previous legal protection insurance.

    Legal cases concerning ...

    • Disputes regarding an independent, profit-orientated activity, which does not involve an employment contract
    • Objections to building plans, forced liquidation of the property, contractors‘ rights of lien and similar
    • Disputes between persons insured under the same policy
    • Defence against non-contractual indemnity claims and contractual penalties
    • Disputes regarding air craft subject to registration unless an appropriate additional agreement exists
    • Disputes regarding deprivation of liberty for the purposes of providing care

    In case of conflicting interests and where procedural law stipulates an external lawyer, the policyholder may choose the lawyer. If DAS rejects this lawyer, the policyholder may suggest 3 other lawyers of which DAS will select one.

    Arbitration proceedings may be initiated within 30 days. Decisions made by the concordate for arbitral jurisdiction apply.

    Notice of termination must be handed in at least 3 months before the contract is due to expire.

    According to duration as stated in the insurance policy. Minimum contract duration is 1 year. Premiums are guaranteed not to rise during the period of duration.

    Action in case of a claim
    The insurer must be notified immediately.

    Options
    Risks that can be insured for a surcharge:
    • Landlord cover
    • Land owner cover
    • Tenant cover for additional rental property
    • Labour law for members of an executive committee or board of directors
  • DAS classic (Motor legal protection)


    Individual: Policyholder

    Family:

    • Policyholder
    • Persons permanently living in the same household as the policyholder
    • Children not living in the same household if they are under age or in education and if the policyholder or his/her partner are responsible for their support
    • Any minors under the temporary care of the insured person
    • Domestic staff for the consequences of an accident while working in the house

    As pedestrian in road traffic, cyclist including the use of mopeds, e-bikes, inline skates, skateboards, scooters and similar means of transportation, passenger in public or private transport, private or professional driver or individual holder, owner, renter or lessee of a registered road vehicle, railway vehicle or watercraft. Other drivers or passengers of vehicles registered in your name are also included in the coverage.

    Compensation claims and criminal complaints according to Swiss Victim Support Act

    max. CHF 500,000 per case in CH and EEA
    max. CHF 150'000 per case outside CH and EEA

    • Expert reports (in agreement with DAS or as ordered by a court)
    • Costs of payment summons, procedure for the removal of an objection ("Rechtsöffnungsverfahren"), distraint, loss certificate and bankruptcy notice
    • Cost of a mediation process according to recognised rules (conflict resolution out of court) up to CHF 3,000
    • Travelling expenses to court hearings
    • Loss of income incurred due to court hearings and legal inspections ordered by a court if attendance of policyholder is imperative (up to CHF 5,000 per case)
    • Expenses and administrative charges of a summary penalty order or an administrative measure up to CHF 300 per year


    Switzerland, European Economic Area EWR and Mediterranean countries

    There is no waiting period.

    Legal matters concerning...

    • Active participation in races or competitions (must be insured separately)
    • Disputes related to water and air vehicles subject to registration, given no such supplementary agreement was made
    • Dosputes between persons who are insured with the same policy
    • Defence of non-contractual claims to compensation of damage and penalties

    In case of conflicting interests and where procedural law stipulates an external lawyer, the policyholder may choose the lawyer. If DAS rejects this lawyer, the policyholder may suggest 3 other lawyers of which DAS will select one.

    Arbitration proceedings may be initiated within 30 days. Decisions made by the concordat for arbitral jurisdiction apply.

    Cancellation deadline 30 days before expiry of contract.

    According to duration as stated in insurance policy. Minimum contract duration is 1 year. Premiums are guaranteed to stay the same during this entire period.

    Action in case of a claim
    The insurer must be notified immediately.

    Options
    Risks that can be insured for a surcharge:
    • Disputes relating to the participation in races or competitions or the attending of practice sessions
    • Aircraft with a take-off weight of up to 5.7 t
  • DAS classic (Personal and motor legal protection)

    Personal legal protection


    Individual: Insurance holder

    Family: Insurance holder and individuals who live in the same household on a permanent basis. Can be extended onto family members with external domicile with a supplemental agreement.


    • Tenancy laws (tenants, for landlords additionally insurable, see options)
    • Law concerning the interests of neighbours
    • Claims for compensation and criminal charges according to the Swiss victim assistance law
    • Rights of ownership are a component of land owner coverage and – for a premium surcharge - are insured with other legal areas.

    max. CHF 500,000 per case in CH and EEA
    max. CHF 150,000 per case outside CH and EEA

    Plus:
    • Legal advice from in-house lawyers and legal practitioners about all insured legal areas
    • Legal advice from in-house (unlimited amount) and external (up to CHF 500 per case per insurance year) lawyers and legal practitioners about the following legal areas: law of persons, family law, non-marital cohabitation, registered partnership of same-sex couples, divorce law, child and adult protection law, law of succession, urban planning and building law (construction project with official authorisation), objections to construction plans, administrative law, data protection and privacy, copyright

    • Expert reports (in agreement with DAS or as ordered by a court)
    • Costs of payment summons, procedure for the removal of an objection ("Rechtsöffnungsverfahren"), distraint, loss certificate and bankruptcy notice
    • Cost of a mediation process according to recognised rules (conflict resolution out of court) up to CHF 3,000
    • Travelling expenses to court hearings
    • Loss of income incurred due to court hearings and legal inspections ordered by a court if attendance of policyholder is imperative (up to CHF 5,000 per case)
    • Expenses and administrative charges of a summary penalty order or an administrative measure up to CHF 300 per year


    Classic: Switzerland and Liechtenstein


    Waiting period of 3 months for contractual disputes. If the dispute arose from a contract signed during the waiting period, the period does not apply. No waiting period in case of accidents. Waiting period of 1 year for disputes regarding invalidity insurance. No waiting period applies if you seamlessly switch to DAS from another provider of legal protection insurance and if the claim in question would have been covered under your previous legal protection insurance.

    Legal cases concerning ...

    • Disputes regarding an independent, profit-orientated activity, which does not involve an employment contract
    • Objections to building plans, forced liquidation of the property, contractors‘ rights of lien and similar
    • Disputes between persons insured under the same policy
    • Defence against non-contractual indemnity claims and contractual penalties
    • Disputes regarding air craft subject to registration unless an appropriate additional agreement exists
    • Disputes regarding deprivation of liberty for the purposes of providing care

    In case of conflicting interests and where procedural law stipulates an external lawyer, the policyholder may choose the lawyer. If DAS rejects this lawyer, the policyholder may suggest 3 other lawyers of which DAS will select one.

    Arbitration proceedings may be initiated within 30 days. Decisions made by the concordate for arbitral jurisdiction apply.

    Notice of termination must be handed in at least 3 months before the contract is due to expire.

    According to duration as stated in the insurance policy. Minimum contract duration is 1 year. Premiums are guaranteed not to rise during the period of duration.

    Action in case of a claim
    The insurer must be notified immediately.

    Options
    Risks that can be insured for a surcharge:
    • Landlord cover
    • Land owner cover
    • Tenant cover for additional rental property
    • Labour law for members of an executive committee or board of directors

    Motor legal protection


    Individual: Policyholder

    Family:

    • Policyholder
    • Persons permanently living in the same household as the policyholder
    • Children not living in the same household if they are under age or in education and if the policyholder or his/her partner are responsible for their support
    • Any minors under the temporary care of the insured person
    • Domestic staff for the consequences of an accident while working in the house

    As pedestrian in road traffic, cyclist including the use of mopeds, e-bikes, inline skates, skateboards, scooters and similar means of transportation, passenger in public or private transport, private or professional driver or individual holder, owner, renter or lessee of a registered road vehicle, railway vehicle or watercraft. Other drivers or passengers of vehicles registered in your name are also included in the coverage.

    Compensation claims and criminal complaints according to Swiss Victim Support Act

    max. CHF 500,000 per case in CH and EEA
    max. CHF 150'000 per case outside CH and EEA

    • Expert reports (in agreement with DAS or as ordered by a court)
    • Costs of payment summons, procedure for the removal of an objection ("Rechtsöffnungsverfahren"), distraint, loss certificate and bankruptcy notice
    • Cost of a mediation process according to recognised rules (conflict resolution out of court) up to CHF 3,000
    • Travelling expenses to court hearings
    • Loss of income incurred due to court hearings and legal inspections ordered by a court if attendance of policyholder is imperative (up to CHF 5,000 per case)
    • Expenses and administrative charges of a summary penalty order or an administrative measure up to CHF 300 per year


    Switzerland, European Economic Area EWR and Mediterranean countries

    There is no waiting period.

    Legal matters concerning...

    • Active participation in races or competitions (must be insured separately)
    • Disputes related to water and air vehicles subject to registration, given no such supplementary agreement was made
    • Dosputes between persons who are insured with the same policy
    • Defence of non-contractual claims to compensation of damage and penalties

    In case of conflicting interests and where procedural law stipulates an external lawyer, the policyholder may choose the lawyer. If DAS rejects this lawyer, the policyholder may suggest 3 other lawyers of which DAS will select one.

    Arbitration proceedings may be initiated within 30 days. Decisions made by the concordat for arbitral jurisdiction apply.

    Cancellation deadline 30 days before expiry of contract.

    According to duration as stated in insurance policy. Minimum contract duration is 1 year. Premiums are guaranteed to stay the same during this entire period.

    Action in case of a claim
    The insurer must be notified immediately.

    Options
    Risks that can be insured for a surcharge:
    • Disputes relating to the participation in races or competitions or the attending of practice sessions
    • Aircraft with a take-off weight of up to 5.7 t
  • DAS top (Personal legal protection)


    Individual: Insurance holder

    Family: Insurance holder and individuals who live in the same household on a permanent basis. Can be extended onto family members with external domicile with a supplemental agreement.


    • Tenancy laws (tenants, for landlords additionally insurable, see options)
    • Law concerning the interests of neighbours
    • Claims for compensation and criminal charges according to the Swiss victim assistance law
    • Rights of ownership are a component of land owner coverage and – for a premium surcharge - are insured with other legal areas.

    max. CHF 600,000 per case in CH and EEA
    max. CHF 300,000 per case outside CH and EEA

    Plus:
    • Legal advice from in-house lawyers and legal practitioners about all insured legal areas
    • Legal advice from in-house (unlimited amount) and external (up to CHF 5000 per case per insurance year) lawyers and legal practitioners about the following legal areas: law of persons, family law, non-marital cohabitation, registered partnership of same-sex couples, divorce law, child and adult protection law, law of succession, urban planning and building law (construction project with official authorisation), objections to construction plans, administrative law, data protection and privacy, copyright

    • Expert reports (in agreement with DAS or as ordered by a court)
    • Costs of payment summons, procedure for the removal of an objection ("Rechtsöffnungsverfahren"), distraint, loss certificate and bankruptcy notice
    • Cost of a mediation process according to recognised rules (conflict resolution out of court)
    • Travelling expenses to court hearings
    • Loss of income incurred due to court hearings and legal inspections ordered by a court if attendance of policyholder is imperative (up to CHF 20,000 per case)
    • Expenses and administrative charges of a summary penalty order or an administrative measure up to CHF 600 per year

    • Expenses and administration costs of fines or administrative measures (Top and Classic cover costs of up to CHF 250.- and CHF 500.- per annum, respectively)

    Top: world-wide

    Waiting period of 3 months for contractual disputes. If the dispute arose from a contract signed during the waiting period, the period does not apply. No waiting period in case of accidents. Waiting period of 1 year for disputes regarding invalidity insurance. No waiting period applies if you seamlessly switch to DAS from another provider of legal protection insurance and if the claim in question would have been covered under your previous legal protection insurance.

    Legal cases concerning ...

    • Disputes regarding an independent, profit-orientated activity, which does not involve an employment contract
    • Objections to building plans, forced liquidation of the property, contractors‘ rights of lien and similar
    • Disputes between persons insured under the same policy
    • Defence against non-contractual indemnity claims and contractual penalties
    • Disputes regarding air craft subject to registration unless an appropriate additional agreement exists
    • Disputes regarding deprivation of liberty for the purposes of providing care

    In case of conflicting interests and where procedural law stipulates an external lawyer, the policyholder may choose the lawyer. If DAS rejects this lawyer, the policyholder may suggest 3 other lawyers of which DAS will select one.

    Arbitration proceedings may be initiated within 30 days. Decisions made by the concordate for arbitral jurisdiction apply.

    Notice of termination must be handed in at least 3 months before the contract is due to expire.

    According to duration as stated in the insurance policy. Minimum contract duration is 1 year. Premiums are guaranteed not to rise during the period of duration.

    Action in case of a claim
    The insurer must be notified immediately.

    Options
    Risks that can be insured for a surcharge:
    • Landlord cover
    • Land owner cover
    • Tenant cover for additional rental property
    • Labour law for members of an executive committee or board of directors
  • DAS top (Motor legal protection)


    Individual: Policyholder

    Family:

    • Policyholder
    • Persons permanently living in the same household as the policyholder
    • Children not living in the same household if they are under age or in education and if the policyholder or his/her partner are responsible for their support
    • Any minors under the temporary care of the insured person
    • Domestic staff for the consequences of an accident while working in the house

    As pedestrian in road traffic, cyclist including the use of mopeds, e-bikes, inline skates, skateboards, scooters and similar means of transportation, passenger in public or private transport, private or professional driver or individual holder, owner, renter or lessee of a registered road vehicle, railway vehicle or watercraft. Other drivers or passengers of vehicles registered in your name are also included in the coverage.

    Compensation claims and criminal complaints according to Swiss Victim Support Act

    max. CHF 600,000 per case in CH and EEA
    max. CHF 300,000 per case outside CH and EEA

    • Expert reports (in agreement with DAS or as ordered by a court)
    • Costs of payment summons, procedure for the removal of an objection ("Rechtsöffnungsverfahren"), distraint, loss certificate and bankruptcy notice
    • Cost of a mediation process according to recognised rules (conflict resolution out of court)
    • Travelling expenses to court hearings
    • Loss of income incurred due to court hearings and legal inspections ordered by a court if attendance of policyholder is imperative (up to CHF 20,000 per case)
    • Expenses and administrative charges of a summary penalty order or an administrative measure up to CHF 600 per year



    There is no waiting period.

    Legal matters concerning...

    • Active participation in races or competitions (must be insured separately)
    • Disputes related to water and air vehicles subject to registration, given no such supplementary agreement was made
    • Dosputes between persons who are insured with the same policy
    • Defence of non-contractual claims to compensation of damage and penalties

    In case of conflicting interests and where procedural law stipulates an external lawyer, the policyholder may choose the lawyer. If DAS rejects this lawyer, the policyholder may suggest 3 other lawyers of which DAS will select one.

    Arbitration proceedings may be initiated within 30 days. Decisions made by the concordat for arbitral jurisdiction apply.

    Cancellation deadline 30 days before expiry of contract.

    According to duration as stated in insurance policy. Minimum contract duration is 1 year. Premiums are guaranteed to stay the same during this entire period.

    Action in case of a claim
    The insurer must be notified immediately.

    Options
    Risks that can be insured for a surcharge:
    • Disputes relating to the participation in races or competitions or the attending of practice sessions
    • Aircraft with a take-off weight of up to 5.7 t
  • DAS top (Personal and motor legal protection)

    Personal legal protection


    Individual: Insurance holder

    Family: Insurance holder and individuals who live in the same household on a permanent basis. Can be extended onto family members with external domicile with a supplemental agreement.


    • Tenancy laws (tenants, for landlords additionally insurable, see options)
    • Law concerning the interests of neighbours
    • Claims for compensation and criminal charges according to the Swiss victim assistance law
    • Rights of ownership are a component of land owner coverage and – for a premium surcharge - are insured with other legal areas.

    max. CHF 600,000 per case in CH and EEA
    max. CHF 300,000 per case outside CH and EEA

    Plus:
    • Legal advice from in-house lawyers and legal practitioners about all insured legal areas
    • Legal advice from in-house (unlimited amount) and external (up to CHF 5000 per case per insurance year) lawyers and legal practitioners about the following legal areas: law of persons, family law, non-marital cohabitation, registered partnership of same-sex couples, divorce law, child and adult protection law, law of succession, urban planning and building law (construction project with official authorisation), objections to construction plans, administrative law, data protection and privacy, copyright

    • Expert reports (in agreement with DAS or as ordered by a court)
    • Costs of payment summons, procedure for the removal of an objection ("Rechtsöffnungsverfahren"), distraint, loss certificate and bankruptcy notice
    • Cost of a mediation process according to recognised rules (conflict resolution out of court)
    • Travelling expenses to court hearings
    • Loss of income incurred due to court hearings and legal inspections ordered by a court if attendance of policyholder is imperative (up to CHF 20,000 per case)
    • Expenses and administrative charges of a summary penalty order or an administrative measure up to CHF 600 per year

    • Expenses and administration costs of fines or administrative measures (Top and Classic cover costs of up to CHF 250.- and CHF 500.- per annum, respectively)

    Top: world-wide

    Waiting period of 3 months for contractual disputes. If the dispute arose from a contract signed during the waiting period, the period does not apply. No waiting period in case of accidents. Waiting period of 1 year for disputes regarding invalidity insurance. No waiting period applies if you seamlessly switch to DAS from another provider of legal protection insurance and if the claim in question would have been covered under your previous legal protection insurance.

    Legal cases concerning ...

    • Disputes regarding an independent, profit-orientated activity, which does not involve an employment contract
    • Objections to building plans, forced liquidation of the property, contractors‘ rights of lien and similar
    • Disputes between persons insured under the same policy
    • Defence against non-contractual indemnity claims and contractual penalties
    • Disputes regarding air craft subject to registration unless an appropriate additional agreement exists
    • Disputes regarding deprivation of liberty for the purposes of providing care

    In case of conflicting interests and where procedural law stipulates an external lawyer, the policyholder may choose the lawyer. If DAS rejects this lawyer, the policyholder may suggest 3 other lawyers of which DAS will select one.

    Arbitration proceedings may be initiated within 30 days. Decisions made by the concordate for arbitral jurisdiction apply.

    Notice of termination must be handed in at least 3 months before the contract is due to expire.

    According to duration as stated in the insurance policy. Minimum contract duration is 1 year. Premiums are guaranteed not to rise during the period of duration.

    Action in case of a claim
    The insurer must be notified immediately.

    Options
    Risks that can be insured for a surcharge:
    • Landlord cover
    • Land owner cover
    • Tenant cover for additional rental property
    • Labour law for members of an executive committee or board of directors

    Motor legal protection


    Individual: Policyholder

    Family:

    • Policyholder
    • Persons permanently living in the same household as the policyholder
    • Children not living in the same household if they are under age or in education and if the policyholder or his/her partner are responsible for their support
    • Any minors under the temporary care of the insured person
    • Domestic staff for the consequences of an accident while working in the house

    As pedestrian in road traffic, cyclist including the use of mopeds, e-bikes, inline skates, skateboards, scooters and similar means of transportation, passenger in public or private transport, private or professional driver or individual holder, owner, renter or lessee of a registered road vehicle, railway vehicle or watercraft. Other drivers or passengers of vehicles registered in your name are also included in the coverage.

    Compensation claims and criminal complaints according to Swiss Victim Support Act

    max. CHF 600,000 per case in CH and EEA
    max. CHF 300,000 per case outside CH and EEA

    • Expert reports (in agreement with DAS or as ordered by a court)
    • Costs of payment summons, procedure for the removal of an objection ("Rechtsöffnungsverfahren"), distraint, loss certificate and bankruptcy notice
    • Cost of a mediation process according to recognised rules (conflict resolution out of court)
    • Travelling expenses to court hearings
    • Loss of income incurred due to court hearings and legal inspections ordered by a court if attendance of policyholder is imperative (up to CHF 20,000 per case)
    • Expenses and administrative charges of a summary penalty order or an administrative measure up to CHF 600 per year



    There is no waiting period.

    Legal matters concerning...

    • Active participation in races or competitions (must be insured separately)
    • Disputes related to water and air vehicles subject to registration, given no such supplementary agreement was made
    • Dosputes between persons who are insured with the same policy
    • Defence of non-contractual claims to compensation of damage and penalties

    In case of conflicting interests and where procedural law stipulates an external lawyer, the policyholder may choose the lawyer. If DAS rejects this lawyer, the policyholder may suggest 3 other lawyers of which DAS will select one.

    Arbitration proceedings may be initiated within 30 days. Decisions made by the concordat for arbitral jurisdiction apply.

    Cancellation deadline 30 days before expiry of contract.

    According to duration as stated in insurance policy. Minimum contract duration is 1 year. Premiums are guaranteed to stay the same during this entire period.

    Action in case of a claim
    The insurer must be notified immediately.

    Options
    Risks that can be insured for a surcharge:
    • Disputes relating to the participation in races or competitions or the attending of practice sessions
    • Aircraft with a take-off weight of up to 5.7 t


Company data of DAS

Headquarters: Lausanne
Premium volume 2010 in millions: 33.6
Insurance company: DAS Rechtsschutz-Versicherungs AG

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