Groupe Mutuel legal protection insurance
Products from Groupe Mutuel
Insured persons
Individual: Policyholder
Family: Policyholder and his/her family members (partner, children and dependents living in the same household)
The premium depends on the amount of adults in the same household.
Other insured legal areas
Tenants' rights (for tenants)
Criminal charges (except breach of honour and in the case of malicious acts)
Legal advice (single session, for matters involving individuals' rights, inheritance and family law; excluding divorce law) up to max. CHF 500
Travel law
Neighbouring law up to max. CHF 10,000
Mediation costs, if these replace a legal trial.
Benefits
up to at most CHF 250,000 per case including bail money (advance)
for legal advice up to at most CHF 500 (per case)
neighbouring rights up to at most CHF 10,000
Additionally covered costs
Collection
Travel costs resulting from court summonings if these costs exceed CHF 100 (price for public transportation); abroad only in consultation with the insurance company
Other uncovered costs
Translation costs
Geographical limitations
For compensation and criminal cases the insurance applies if the place of jurisdiction is in Europe and the Mediterranean countries. For work contract, consumer and contract law, the EU/EEA coverage applies.
In all other insurance cases, the court of jurisdiction must lie in Switzerland or Liechtenstein.
Waiting period
Conflicts involving property and neighbouring law as well as legal advice are liable to a three-month qualifying period.
Exclusions
Legal proceedings concerning ...
Labour law if the policy holder is an employer, board member or is entitled to stocks or profits.
Ownership law (disputes concerning land registry or property boundaries)
Patient law
Criminal proceedings for deliberate offences (except for acquittals or cases of self-defence or an emergency )
Conflicts in connection with motor vehicles: covered by motor vehicle traffic legal protection
Debt collection and bankruptcy law
Inheritance law (only right to legal consultation)
Disputes in the capacity as a landlord
Conflicts with roommates or live-in partners
Conflicts involving sporting activities for remuneration
Choice of legal representative
The insurance holder may demand bringing in an external lawyer and select him/her freely with the approval of Assista, given bringing in a lawyer is necessary.
Procedures in case of futility or differences in opinion
Arbitration proceedings are possible. The regulations of the Swiss Code of Civil Procedure apply.
Notice of cancellation
Notice of termination must be handed in 6 months prior to expiry of contract.
Contract term
According to contract duration as stated in insurance policy (only annual contracts with automatic renewal).
Action in case of a claim
Groupe Mutuel has to be notified as soon as possible. Groupe Mutuel will carry out a pre-audit and pass the case to the legal protection insurer, TCS. Further legal steps or the bringing in of a lawyer must be taken in consultation with the insurance company.
Specially
If the collective agreement between Groupe Mutuel and the insurer is cancelled and Groupe Mutuel does not conclude a new contract, the coverage expires for all claims that occur after the ending of the contract.
Insured persons
Individual: Policyholder
Family: Policyholder and his/her family members (partner, children and dependents living in the same household)
The premium depends on the amount of adults in the same household.
Other insured legal areas
Vehicle taxation
Benefits
up to at most CHF 250,000 per case including bail money (advance)
Additionally covered costs
Travel costs resulting from court summonings if these costs exceed CHF 100 (price for public transportation); abroad only in consultation with the insurance company
Other uncovered costs
Translation costs
Geographical limitations
In the cases of damage compensation and criminal proceedings, the insurance applies if place of jurisdiction lies in Europe and the Mediterranean countries. In all other cases, the place of jurisdiction must lie in Switzerland or Liechtenstein.
Waiting period
For contractual disputes, a waiting period of 3 months applies.
Exclusions
Legal proceedings concerning ...
disputes concerning contracts concluded commercially by the policy holder
active participation in competitions and races
criminal proceedings for deliberate offences (except for acquittals or cases of self-defence or an emergency )
conflicts with roommates or live-in partners
disputes with international and supranational authorities
Choice of legal representative
The insurance holder may demand bringing in an external lawyer and select him/her freely with the approval of Assista, given bringing in a lawyer is necessary.
Procedures in case of futility or differences in opinion
Arbitration proceedings are possible. The regulations of the Swiss Code of Civil Procedure apply.
Notice of cancellation
Notice of termination must be handed in 6 months prior to expiry of contract.
Contract term
According to contract duration as stated in insurance policy (only annual contracts with automatic renewal).
Action in case of a claim
Groupe Mutuel has to be notified as soon as possible. Groupe Mutuel will carry out a pre-audit and pass the case to the legal protection insurer, TCS. Further legal steps or the bringing in of a lawyer must be taken in consultation with the insurance company.
Specially
If the collective agreement between Groupe Mutuel and the insurer is cancelled and Groupe Mutuel does not conclude a new contract, the coverage expires for all claims that occur after the ending of the contract.
Personal legal protection
Insured persons
Individual: Policyholder
Family: Policyholder and his/her family members (partner, children and dependents living in the same household)
The premium depends on the amount of adults in the same household.
Other insured legal areas
Tenants' rights (for tenants)
Criminal charges (except breach of honour and in the case of malicious acts)
Legal advice (single session, for matters involving individuals' rights, inheritance and family law; excluding divorce law) up to max. CHF 500
Travel law
Neighbouring law up to max. CHF 10,000
Mediation costs, if these replace a legal trial.
Benefits
up to at most CHF 250,000 per case including bail money (advance)
for legal advice up to at most CHF 500 (per case)
neighbouring rights up to at most CHF 10,000
Additionally covered costs
Collection
Travel costs resulting from court summonings if these costs exceed CHF 100 (price for public transportation); abroad only in consultation with the insurance company
Other uncovered costs
Translation costs
Geographical limitations
For compensation and criminal cases the insurance applies if the place of jurisdiction is in Europe and the Mediterranean countries. For work contract, consumer and contract law, the EU/EEA coverage applies.
In all other insurance cases, the court of jurisdiction must lie in Switzerland or Liechtenstein.
Waiting period
Conflicts involving property and neighbouring law as well as legal advice are liable to a three-month qualifying period.
Exclusions
Legal proceedings concerning ...
Labour law if the policy holder is an employer, board member or is entitled to stocks or profits.
Ownership law (disputes concerning land registry or property boundaries)
Patient law
Criminal proceedings for deliberate offences (except for acquittals or cases of self-defence or an emergency )
Conflicts in connection with motor vehicles: covered by motor vehicle traffic legal protection
Debt collection and bankruptcy law
Inheritance law (only right to legal consultation)
Disputes in the capacity as a landlord
Conflicts with roommates or live-in partners
Conflicts involving sporting activities for remuneration
Choice of legal representative
The insurance holder may demand bringing in an external lawyer and select him/her freely with the approval of Assista, given bringing in a lawyer is necessary.
Procedures in case of futility or differences in opinion
Arbitration proceedings are possible. The regulations of the Swiss Code of Civil Procedure apply.
Notice of cancellation
Notice of termination must be handed in 6 months prior to expiry of contract.
Contract term
According to contract duration as stated in insurance policy (only annual contracts with automatic renewal).
Action in case of a claim
Groupe Mutuel has to be notified as soon as possible. Groupe Mutuel will carry out a pre-audit and pass the case to the legal protection insurer, TCS. Further legal steps or the bringing in of a lawyer must be taken in consultation with the insurance company.
Specially
If the collective agreement between Groupe Mutuel and the insurer is cancelled and Groupe Mutuel does not conclude a new contract, the coverage expires for all claims that occur after the ending of the contract.
Motor legal protection
Insured persons
Individual: Policyholder
Family: Policyholder and his/her family members (partner, children and dependents living in the same household)
The premium depends on the amount of adults in the same household.
Other insured legal areas
Vehicle taxation
Benefits
up to at most CHF 250,000 per case including bail money (advance)
Additionally covered costs
Travel costs resulting from court summonings if these costs exceed CHF 100 (price for public transportation); abroad only in consultation with the insurance company
Other uncovered costs
Translation costs
Geographical limitations
In the cases of damage compensation and criminal proceedings, the insurance applies if place of jurisdiction lies in Europe and the Mediterranean countries. In all other cases, the place of jurisdiction must lie in Switzerland or Liechtenstein.
Waiting period
For contractual disputes, a waiting period of 3 months applies.
Exclusions
Legal proceedings concerning ...
disputes concerning contracts concluded commercially by the policy holder
active participation in competitions and races
criminal proceedings for deliberate offences (except for acquittals or cases of self-defence or an emergency )
conflicts with roommates or live-in partners
disputes with international and supranational authorities
Choice of legal representative
The insurance holder may demand bringing in an external lawyer and select him/her freely with the approval of Assista, given bringing in a lawyer is necessary.
Procedures in case of futility or differences in opinion
Arbitration proceedings are possible. The regulations of the Swiss Code of Civil Procedure apply.
Notice of cancellation
Notice of termination must be handed in 6 months prior to expiry of contract.
Contract term
According to contract duration as stated in insurance policy (only annual contracts with automatic renewal).
Action in case of a claim
Groupe Mutuel has to be notified as soon as possible. Groupe Mutuel will carry out a pre-audit and pass the case to the legal protection insurer, TCS. Further legal steps or the bringing in of a lawyer must be taken in consultation with the insurance company.
Specially
If the collective agreement between Groupe Mutuel and the insurer is cancelled and Groupe Mutuel does not conclude a new contract, the coverage expires for all claims that occur after the ending of the contract.
Information about Groupe Mutuel insurance company
| Insurance carrier | TCS AG |
| Head office | Vernier |