Fortuna-Generali legal protection insurance
Products from Fortuna-Generali
Insured persons
Individual
Policyholder
Family
Policyholder
All persons permanently living in the same household
Children under the age of 26 residing in Switzerland, provided that they are not employed and do not live in the same household
Other insured legal areas
Tort law
Criminal law
Victim support rights
Property law
Intellectual property law
Labour law
Tenancy law
Patient rights
Travel law
Contract law
Neighbourhood rights
Cyber law
Association law
Personality rights
Inheritance law
Marriage and divorce law
Education law
Tax law
Animal rights
Insurance law
Citizenship law
Data protection law
Child and adult protection law
Customs law
Benefits
Worldwide: max. CHF 1,000,000 per legal case
In addition:
Max. CHF 10,000 per legal case in personality rights, inheritance, divorce, intellectual property, education, tax, animal rights, civil, data protection and customs law
Max. CHF 1,000 per legal case and per insurance year in child and adult protection law
Free legal advice by telephone in all areas of law
Additionally covered costs
Court and other procedural costs (including administrative and drafting fees)
Reimbursement of the other party’s legal expenses
Costs of obtaining expert opinions
Costs of mediation in Switzerland
Advance payment of bail to avoid pre-trial detention
Collection costs from claims awarded to the insured person in court or by settlement
Travel expenses when attending court hearings abroad
Translation costs for legal proceedings abroad
Costs in the event of arrest (up to CHF 1,000)
Assumption of costs of lost wages due to loss of earnings in subpoenas (up to CHF 1,000)
No reduction of benefits in case of gross negligence
Geographical limitations
World:
The insurance cover for the rest of the world applies to the following legal areas: Civil damages law, criminal law, travel law, patient law, other contract law and internet law.
Switzerland:
For all other areas, insurance cover applies to legal cases for which the place of jurisdiction is located in Switzerland and to which Swiss law applies.
Waiting period
None
Exclusions
Disputes in relation to full or part-time self-employment
Disputes in connection with a deliberate crime of which the insured person is accused
Disputes subject to the Debt Enforcement and Bankruptcy Act (SchKG) or arising in connection with the pure collection of debts
Disputes subject to the transactions in area of finance and connected to investment and management of assets
Choice of legal representative
Should it be necessary to enlist the services of a lawyer, the insured person may freely choose a legal representative in consultation with Fortuna. If Fortuna declines to engage the chosen legal representative, the insured person may propose three other, mutually independent legal representatives, of which Fortuna must appoint one.
Procedures in case of futility or differences in opinion
Assessment by a qualified lawyer or professor of law acting as sole arbitrator. If the parties are unable to agree on a sole arbitrator, the applicable provisions of the Swiss Code of Civil Procedure shall apply.
Notice of cancellation
One month before main maturity.
Contract term
The beginning and end of the insurance contract are specified in the policy. The minimum term is one year.
Action in case of a claim
Once a claim has been reported, Fortuna will discuss the procedure to be taken together with the insured person. The insured person must provide Fortuna and the appointed representative with all documents and information pertaining to the case, completely and truthfully.
Specifics
Real estate legal protection insurance / legal protection for landlords is also available as a supplementary module to a personal legal protection insurance TOP policy.
Insured persons
Individual
Policyholder
Family
Policyholder
All persons permanently living in the same household
Children under the age of 26 residing in Switzerland, provided that they are not employed and do not live in the same household
Other insured legal areas
Tort law
Criminal law
Victim support rights
Insurance law
Property law
Vehicle contract law
Loss of your licence
Vehicle taxation
Patient rights
Benefits
Worldwide: max. CHF 1,000,000 per legal case
In addition:
Free legal helpline
Additionally covered costs
Court and other procedural costs (including administrative and drafting fees)
Reimbursement of the other party’s legal expenses
Costs of obtaining expert opinions
Costs of mediation in Switzerland
Advance payment of bail to avoid pre-trial detention
Collection costs from claims awarded to the insured person in court or by settlement
Travel expenses when attending court hearings abroad
Translation costs for legal proceedings abroad
Costs in the event of arrest (up to CHF 1,000)
Assumption of costs of lost wages due to loss of earnings in subpoenas (up to CHF 1,000)
No reduction of benefits in case of gross negligence
Geographical limitations
World:
The insurance cover for the rest of the world applies to the following legal areas: Civil damages law, criminal law, travel law, patient law, other contract law and internet law.
Switzerland:
For all other areas, insurance cover applies to legal cases for which the place of jurisdiction is located in Switzerland and to which Swiss law applies.
Waiting period
None
Exclusions
Disputes among relatives as well as among persons insured under the same policy
Disputes in relation to self-employment
Disputes in connection with a deliberate crime which the insured person is accused
Disputes subject to the Debt Enforcement and Bankruptcy Act (SchKG) or arising in connection with the pure collection of debts
Participation in a race, competition or training drive
Blood alcohol level of 1.5‰ or 0.75 mg per liter or more
Defence of indemnity claim of third paries
Choice of legal representative
Should it be necessary to enlist the services of a lawyer, the insured person may freely choose a legal representative in consultation with Fortuna. If Fortuna declines to engage the chosen legal representative, the insured person may propose three other, mutually independent legal representatives, of which Fortuna must appoint one.
Procedures in case of futility or differences in opinion
Assessment by a qualified lawyer or professor of law acting as sole arbitrator. If the parties are unable to agree on a sole arbitrator, the applicable provisions of the Swiss Code of Civil Procedure shall apply.
Notice of cancellation
One month before main maturity
Contract term
The beginning and end of the insurance contract are specified in the policy. The minimum term is one year.
Action in case of a claim
Once a claim has been reported, Fortuna will discuss the procedure to be taken together with the insured person. The insured person must provide Fortuna and the appointed representative with all documents and information pertaining to the case, completely and truthfully.
Personal legal protection
Insured persons
Individual
Policyholder
Family
Policyholder
All persons permanently living in the same household
Children under the age of 26 residing in Switzerland, provided that they are not employed and do not live in the same household
Other insured legal areas
Tort law
Criminal law
Victim support rights
Property law
Intellectual property law
Labour law
Tenancy law
Patient rights
Travel law
Contract law
Neighbourhood rights
Cyber law
Association law
Personality rights
Inheritance law
Marriage and divorce law
Education law
Tax law
Animal rights
Insurance law
Citizenship law
Data protection law
Child and adult protection law
Customs law
Benefits
Worldwide: max. CHF 1,000,000 per legal case
In addition:
Max. CHF 10,000 per legal case in personality rights, inheritance, divorce, intellectual property, education, tax, animal rights, civil, data protection and customs law
Max. CHF 1,000 per legal case and per insurance year in child and adult protection law
Free legal advice by telephone in all areas of law
Additionally covered costs
Court and other procedural costs (including administrative and drafting fees)
Reimbursement of the other party’s legal expenses
Costs of obtaining expert opinions
Costs of mediation in Switzerland
Advance payment of bail to avoid pre-trial detention
Collection costs from claims awarded to the insured person in court or by settlement
Travel expenses when attending court hearings abroad
Translation costs for legal proceedings abroad
Costs in the event of arrest (up to CHF 1,000)
Assumption of costs of lost wages due to loss of earnings in subpoenas (up to CHF 1,000)
No reduction of benefits in case of gross negligence
Geographical limitations
World:
The insurance cover for the rest of the world applies to the following legal areas: Civil damages law, criminal law, travel law, patient law, other contract law and internet law.
Switzerland:
For all other areas, insurance cover applies to legal cases for which the place of jurisdiction is located in Switzerland and to which Swiss law applies.
Waiting period
None
Exclusions
Disputes in relation to full or part-time self-employment
Disputes in connection with a deliberate crime of which the insured person is accused
Disputes subject to the Debt Enforcement and Bankruptcy Act (SchKG) or arising in connection with the pure collection of debts
Disputes subject to the transactions in area of finance and connected to investment and management of assets
Choice of legal representative
Should it be necessary to enlist the services of a lawyer, the insured person may freely choose a legal representative in consultation with Fortuna. If Fortuna declines to engage the chosen legal representative, the insured person may propose three other, mutually independent legal representatives, of which Fortuna must appoint one.
Procedures in case of futility or differences in opinion
Assessment by a qualified lawyer or professor of law acting as sole arbitrator. If the parties are unable to agree on a sole arbitrator, the applicable provisions of the Swiss Code of Civil Procedure shall apply.
Notice of cancellation
One month before main maturity.
Contract term
The beginning and end of the insurance contract are specified in the policy. The minimum term is one year.
Action in case of a claim
Once a claim has been reported, Fortuna will discuss the procedure to be taken together with the insured person. The insured person must provide Fortuna and the appointed representative with all documents and information pertaining to the case, completely and truthfully.
Specifics
Real estate legal protection insurance / legal protection for landlords is also available as a supplementary module to a personal legal protection insurance TOP policy.
Motor legal protection
Insured persons
Individual
Policyholder
Family
Policyholder
All persons permanently living in the same household
Children under the age of 26 residing in Switzerland, provided that they are not employed and do not live in the same household
Other insured legal areas
Tort law
Criminal law
Victim support rights
Insurance law
Property law
Vehicle contract law
Loss of your licence
Vehicle taxation
Patient rights
Benefits
Worldwide: max. CHF 1,000,000 per legal case
In addition:
Free legal helpline
Additionally covered costs
Court and other procedural costs (including administrative and drafting fees)
Reimbursement of the other party’s legal expenses
Costs of obtaining expert opinions
Costs of mediation in Switzerland
Advance payment of bail to avoid pre-trial detention
Collection costs from claims awarded to the insured person in court or by settlement
Travel expenses when attending court hearings abroad
Translation costs for legal proceedings abroad
Costs in the event of arrest (up to CHF 1,000)
Assumption of costs of lost wages due to loss of earnings in subpoenas (up to CHF 1,000)
No reduction of benefits in case of gross negligence
Geographical limitations
World:
The insurance cover for the rest of the world applies to the following legal areas: Civil damages law, criminal law, travel law, patient law, other contract law and internet law.
Switzerland:
For all other areas, insurance cover applies to legal cases for which the place of jurisdiction is located in Switzerland and to which Swiss law applies.
Waiting period
None
Exclusions
Disputes among relatives as well as among persons insured under the same policy
Disputes in relation to self-employment
Disputes in connection with a deliberate crime which the insured person is accused
Disputes subject to the Debt Enforcement and Bankruptcy Act (SchKG) or arising in connection with the pure collection of debts
Participation in a race, competition or training drive
Blood alcohol level of 1.5‰ or 0.75 mg per liter or more
Defence of indemnity claim of third paries
Choice of legal representative
Should it be necessary to enlist the services of a lawyer, the insured person may freely choose a legal representative in consultation with Fortuna. If Fortuna declines to engage the chosen legal representative, the insured person may propose three other, mutually independent legal representatives, of which Fortuna must appoint one.
Procedures in case of futility or differences in opinion
Assessment by a qualified lawyer or professor of law acting as sole arbitrator. If the parties are unable to agree on a sole arbitrator, the applicable provisions of the Swiss Code of Civil Procedure shall apply.
Notice of cancellation
One month before main maturity
Contract term
The beginning and end of the insurance contract are specified in the policy. The minimum term is one year.
Action in case of a claim
Once a claim has been reported, Fortuna will discuss the procedure to be taken together with the insured person. The insured person must provide Fortuna and the appointed representative with all documents and information pertaining to the case, completely and truthfully.
Insured persons
Individual
Policyholder
Family
Policyholder
All persons permanently living in the same household
Children under the age of 26 residing in Switzerland, provided that they are not employed and do not live in the same household
Other insured legal areas
Civil damages law
Criminal law
Victim support law
Insurance law (without social insurance law)
Employment law
Tenancy law
Benefits
Up to CHF 250,000 per legal case in Switzerland
Legal information via phone free of charge
Additionally covered costs
Court and other procedural costs (including administrative and drafting fees)
Reimbursement of the other party’s legal expenses
Costs of obtaining expert opinions
Costs of mediation in Switzerland
Advance payment of bail to avoid pre-trial detention
Collection costs from claims awarded to the insured person in court or by settlement
Travel expenses when attending court hearings abroad
Translation costs for legal proceedings abroad
Costs in the event of arrest (up to CHF 1,000)
Assumption of costs of lost wages due to loss of earnings in subpoenas (up to CHF 1,000)
No reduction of benefits in case of gross negligence
Geographical limitations
Switzerland:
For all other areas, insurance cover applies to legal cases for which the place of jurisdiction is located in Switzerland and to which Swiss law applies. The Principality of Liechtenstein is considered equivalent to Switzerland.
Waiting period
60 days
Exclusions
Disputes among relatives as well as among persons insured under the same policy
Disputes in relation to full or part-time self-employment
Disputes in connection with a deliberate crime of which the insured person is accused
Disputes subject to the Debt Enforcement and Bankruptcy Act (SchKG) or arising in connection with the pure collection of debts
Choice of legal representative
Should it be necessary to enlist the services of a lawyer, the insured person may freely choose a legal representative in consultation with Fortuna. If Fortuna declines to engage the chosen legal representative, the insured person may propose three other, mutually independent legal representatives, of which Fortuna must appoint one.
Procedures in case of futility or differences in opinion
Assessment by a qualified lawyer or professor of law acting as sole arbitrator. If the parties are unable to agree on a sole arbitrator, the applicable provisions of the Swiss Code of Civil Procedure shall apply.
Notice of cancellation
One month before contract expiry.
Contract term
The beginning and end of the insurance contract are specified in the policy. The minimum term is one year.
Action in case of a claim
Once a claim has been reported, Fortuna will discuss the procedure to be taken together with the insured person. The insured person must provide Fortuna and the appointed representative with all documents and information pertaining to the case, completely and truthfully.
Insured persons
Individual
Policyholder
Family
Policyholder
All persons permanently living in the same household
Children under the age of 26 residing in Switzerland, provided that they are not employed and do not live in the same household
Other insured legal areas
Civil damages law
Criminal law
Victim support law
License suspension
Vehicle taxation
Benefits
Up to CHF 250,000 per legal case in Switzerland
Legal information via phone free of charge
Additionally covered costs
Court and other procedural costs (including administrative and drafting fees)
Reimbursement of the other party’s legal expenses
Costs of obtaining expert opinions
Costs of mediation in Switzerland
Advance payment of bail to avoid pre-trial detention
Collection costs from claims awarded to the insured person in court or by settlement
Travel expenses when attending court hearings abroad
Translation costs for legal proceedings abroad
Costs in the event of arrest (up to CHF 1,000)
Assumption of costs of lost wages due to loss of earnings in subpoenas (up to CHF 1,000)
No reduction of benefits in case of gross negligence
Geographical limitations
Switzerland:
For all other areas, insurance cover applies to legal cases for which the place of jurisdiction is located in Switzerland and to which Swiss law applies. The Principality of Liechtenstein is considered equivalent to Switzerland.
Waiting period
60 days
Exclusions
Disputes among relatives as well as among persons insured under the same policy
Disputes in relation to self-employment
Disputes in connection with a deliberate crime which the insured person is accused
Disputes subject to the Debt Enforcement and Bankruptcy Act (SchKG) or arising in connection with the pure collection of debts
Participation in a race, competition or training drive
Blood alcohol level of 1.5‰ or 0.75 mg per liter or more
Defence of indemnity claim of third paries
Choice of legal representative
Should it be necessary to enlist the services of a lawyer, the insured person may freely choose a legal representative in consultation with Fortuna. If Fortuna declines to engage the chosen legal representative, the insured person may propose three other, mutually independent legal representatives, of which Fortuna must appoint one.
Procedures in case of futility or differences in opinion
Assessment by a qualified lawyer or professor of law acting as sole arbitrator. If the parties are unable to agree on a sole arbitrator, the applicable provisions of the Swiss Code of Civil Procedure shall apply.
Notice of cancellation
One month before contract expiry.
Contract term
The beginning and end of the insurance contract are specified in the policy. The minimum term is one year.
Action in case of a claim
Once a claim has been reported, Fortuna will discuss the procedure to be taken together with the insured person. The insured person must provide Fortuna and the appointed representative with all documents and information pertaining to the case, completely and truthfully.
Personal legal protection
Insured persons
Individual
Policyholder
Family
Policyholder
All persons permanently living in the same household
Children under the age of 26 residing in Switzerland, provided that they are not employed and do not live in the same household
Other insured legal areas
Civil damages law
Criminal law
Victim support law
Insurance law (without social insurance law)
Employment law
Tenancy law
Benefits
Up to CHF 250,000 per legal case in Switzerland
Legal information via phone free of charge
Additionally covered costs
Court and other procedural costs (including administrative and drafting fees)
Reimbursement of the other party’s legal expenses
Costs of obtaining expert opinions
Costs of mediation in Switzerland
Advance payment of bail to avoid pre-trial detention
Collection costs from claims awarded to the insured person in court or by settlement
Travel expenses when attending court hearings abroad
Translation costs for legal proceedings abroad
Costs in the event of arrest (up to CHF 1,000)
Assumption of costs of lost wages due to loss of earnings in subpoenas (up to CHF 1,000)
No reduction of benefits in case of gross negligence
Geographical limitations
Switzerland:
For all other areas, insurance cover applies to legal cases for which the place of jurisdiction is located in Switzerland and to which Swiss law applies. The Principality of Liechtenstein is considered equivalent to Switzerland.
Waiting period
60 days
Exclusions
Disputes among relatives as well as among persons insured under the same policy
Disputes in relation to full or part-time self-employment
Disputes in connection with a deliberate crime of which the insured person is accused
Disputes subject to the Debt Enforcement and Bankruptcy Act (SchKG) or arising in connection with the pure collection of debts
Choice of legal representative
Should it be necessary to enlist the services of a lawyer, the insured person may freely choose a legal representative in consultation with Fortuna. If Fortuna declines to engage the chosen legal representative, the insured person may propose three other, mutually independent legal representatives, of which Fortuna must appoint one.
Procedures in case of futility or differences in opinion
Assessment by a qualified lawyer or professor of law acting as sole arbitrator. If the parties are unable to agree on a sole arbitrator, the applicable provisions of the Swiss Code of Civil Procedure shall apply.
Notice of cancellation
One month before contract expiry.
Contract term
The beginning and end of the insurance contract are specified in the policy. The minimum term is one year.
Action in case of a claim
Once a claim has been reported, Fortuna will discuss the procedure to be taken together with the insured person. The insured person must provide Fortuna and the appointed representative with all documents and information pertaining to the case, completely and truthfully.
Motor legal protection
Insured persons
Individual
Policyholder
Family
Policyholder
All persons permanently living in the same household
Children under the age of 26 residing in Switzerland, provided that they are not employed and do not live in the same household
Other insured legal areas
Civil damages law
Criminal law
Victim support law
License suspension
Vehicle taxation
Benefits
Up to CHF 250,000 per legal case in Switzerland
Legal information via phone free of charge
Additionally covered costs
Court and other procedural costs (including administrative and drafting fees)
Reimbursement of the other party’s legal expenses
Costs of obtaining expert opinions
Costs of mediation in Switzerland
Advance payment of bail to avoid pre-trial detention
Collection costs from claims awarded to the insured person in court or by settlement
Travel expenses when attending court hearings abroad
Translation costs for legal proceedings abroad
Costs in the event of arrest (up to CHF 1,000)
Assumption of costs of lost wages due to loss of earnings in subpoenas (up to CHF 1,000)
No reduction of benefits in case of gross negligence
Geographical limitations
Switzerland:
For all other areas, insurance cover applies to legal cases for which the place of jurisdiction is located in Switzerland and to which Swiss law applies. The Principality of Liechtenstein is considered equivalent to Switzerland.
Waiting period
60 days
Exclusions
Disputes among relatives as well as among persons insured under the same policy
Disputes in relation to self-employment
Disputes in connection with a deliberate crime which the insured person is accused
Disputes subject to the Debt Enforcement and Bankruptcy Act (SchKG) or arising in connection with the pure collection of debts
Participation in a race, competition or training drive
Blood alcohol level of 1.5‰ or 0.75 mg per liter or more
Defence of indemnity claim of third paries
Choice of legal representative
Should it be necessary to enlist the services of a lawyer, the insured person may freely choose a legal representative in consultation with Fortuna. If Fortuna declines to engage the chosen legal representative, the insured person may propose three other, mutually independent legal representatives, of which Fortuna must appoint one.
Procedures in case of futility or differences in opinion
Assessment by a qualified lawyer or professor of law acting as sole arbitrator. If the parties are unable to agree on a sole arbitrator, the applicable provisions of the Swiss Code of Civil Procedure shall apply.
Notice of cancellation
One month before contract expiry.
Contract term
The beginning and end of the insurance contract are specified in the policy. The minimum term is one year.
Action in case of a claim
Once a claim has been reported, Fortuna will discuss the procedure to be taken together with the insured person. The insured person must provide Fortuna and the appointed representative with all documents and information pertaining to the case, completely and truthfully.
Information about Fortuna-Generali insurance company
| Type of bank | Fortuna Rechtsschutz-Versicherungsgesellschaft AG |
| Head office | Adliswil |