Provider overview

Orion legal protection insurance

Here you can find information on Orion 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 Orion

  • Orion (Personal legal protection)


    Individual: Insurance holders as well as underage children (if they are living in the same household or during the children's visit to the insured parent).
    The insurance applies as a "family insurance" from the marriage date, if the change of civil status is reported within 3 months and the premium difference is paid.

    Family: Insurance holder, spouse or partner as well as underage children (if they are living in the same household or during the children's visit to the insured parent)


    • Complaint of criminal offence (exception: breach of honouor)
    • Tenants' rights (for tenants)
    • Disputes involving ownership law (real estate law), disputes over building permits
    • Disputes over work labour, provided they are not in connection with purchase of real estate, building or renovation work
    • Law of property
    • Neighbours' rights (as owner of self-inhabited property)
    • Legal advice (one session per year excluding matters concerning marriage and divorce laws)
    • Employment law, as long as the policyholder is not concurrently a member of management or the administrative board, and the amount in dispute does not exceed CHF 100,000.
    • Disputes as an employer with cleaner of a private household or child care worker

    up to CHF 500,000 per case
    CHF 50,000 for cases covered by insurance with court of jurisdiction outside of Europe
    Legal advice: CHF 500 per session (in case Orion refers to an external lawyer or notary)
    Legal cases in which involved as a holder of real estate property up to CHF 10,000

    • Collections
    • Costs for dealing with own case

    • Translation costs
    • Travel costs
    • Hearing costs resulting from legally binding verdicts and administrative court orders

    For compensation and criminal cases and disputes concerning property law, the insurance is valid worldwide (outside of Europe at most CHF 50,000). Legal protection for patients applies for emergent medical treatment in the whole of Europe, legal protecton for contracts of work and labour is given in Switzerland and in neighboring countries (there up to a maximum of CHF 50,000). Victim aid is granted in the whole of Europe.
    In all other insurance cases, the court of jurisdiction must lie in Switzerland or Liechtenstein.

    Insurance protection for contractual disputes as well as disputes concerning labour and patient law (except emergency treatments) is initiated after a waiting period of 3 months. The 3-month waiting period also applies to legal protection for tenants, leaseholders and owners. In cases concerning inheritance law, the waiting period is 1 year. In all other cases, no waiting period applies.

    Legal matters concerning...

    • Conflicts resulting from financial transactions
    • Conflicts involving the remunerated execution of sports
    • Criminal proceedings for deliberate offences
    • Conflicts with live-in partners or roommates
    • Copyright and patent rights
    • Prosecution and bankruptcy laws
    • Matters concerning inheritance (protection only covers legal advice)
    • Conflicts regarding mainentance payments (where divorce cases are concerned)
    • Bankruptcy and composition proceedings
    • Disputes concerning self-employment and illegal employment
    • Tax, planning, expropriation and corporate law

    The insurer may decide if an attorney is to be consulted. If an external lawyer is called upon, the insurance holder may consult the representative of his choice. However, the insurer has the right to reject a proposed attorney. The insurance holder may propose three lawyer's offices, from which one must be chosen.

    Arbitration prodeedings may be initiated within 20 days. Decisions made by the concordat concerning arbitral jurisdiction apply.

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

    According to contract duration as stated in the insurance policy. Shortest possible contract duration is one year.

    Action in case of a claim
    The insurer must be notified in writing immediately.
  • Orion (Motor legal protection)


    Individual: Insurance holders as well as underage children (if they live in the same household or during the children's visit at the insured parent) as verhicle owner or driver, as pedestrian or cyclist and as passenger of a vehicle or a user of public transportation.
    The insurance applies from the date of marriage as a "family insurance", if the change of civil status is reported within 3 months and the premium difference is paid.

    Family: Insurance holder, spouse or partner as well as underage children (if they live in the same household or during the children's visit at the insured parent) as vehicle owners or drivers, as pedestrians or cyclists and as passengers of a vehicle or users of public transportation.


    • Criminal charges (except for breach of honour)
    • Property law concerning vehicle ownership
    • Victim aid

    • generally up to CHF 500,000 per case,
    • Court cases outside of Europe: up to CHF 50,000

    • Collections
    • Costs for handling own case

    • Blood alcohol and drug analysis ordered by the authorities, as well as medical and psychological examinations
    • Translation costs
    • Travel costs
    • Costs for proceedings resulting from legally binding verdicts and administrative court orders
    • Proceedings to recover legally confiscated driving license
    • Repeated proceedings in cases of presumed unfitness to drive due to alcohol, medicine or drug consumption

    The insurance applies worldwide, except for victim aid which is only granted in Europe and license withdrawal which is only covered for Switzerland.

    No waiting period applies.

    Legal matters concerning...

    • Proceedings due to exceeding the speed limit by 30 km/h or more, driving under the influence of alcohol (from 0.8 per mill), medication or drugs, reoccuring cases of drunk driving, thwarting blood tests or medication/drug abuse
    • the active participation in competitions or races
    • the violation of parking regulations and stopping restricions

    The insurer will decide if a lawyer is to be consulted. If an external lawyer is deemed necessary, the insurance holder may suggest the legal representative of his choice. However, the insurer has the right to reject his proposal. The insurance holder may then suggest 3 lawyers' offices, of which one must be chosen.

    Arbitration prodeedings may be initiated within 20 days. Decisions made by the concordat for arbitral jurisdiction apply.

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

    According to contract duration as stated in insurance policy. Minimal duration is one year.

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

    Options
    • Travel legal protection can be insured additionally
  • Orion (Personal and motor legal protection)

    Personal legal protection


    Individual: Insurance holders as well as underage children (if they are living in the same household or during the children's visit to the insured parent).
    The insurance applies as a "family insurance" from the marriage date, if the change of civil status is reported within 3 months and the premium difference is paid.

    Family: Insurance holder, spouse or partner as well as underage children (if they are living in the same household or during the children's visit to the insured parent)


    • Complaint of criminal offence (exception: breach of honouor)
    • Tenants' rights (for tenants)
    • Disputes involving ownership law (real estate law), disputes over building permits
    • Disputes over work labour, provided they are not in connection with purchase of real estate, building or renovation work
    • Law of property
    • Neighbours' rights (as owner of self-inhabited property)
    • Legal advice (one session per year excluding matters concerning marriage and divorce laws)
    • Employment law, as long as the policyholder is not concurrently a member of management or the administrative board, and the amount in dispute does not exceed CHF 100,000.
    • Disputes as an employer with cleaner of a private household or child care worker

    up to CHF 500,000 per case
    CHF 50,000 for cases covered by insurance with court of jurisdiction outside of Europe
    Legal advice: CHF 500 per session (in case Orion refers to an external lawyer or notary)
    Legal cases in which involved as a holder of real estate property up to CHF 10,000

    • Collections
    • Costs for dealing with own case

    • Translation costs
    • Travel costs
    • Hearing costs resulting from legally binding verdicts and administrative court orders

    For compensation and criminal cases and disputes concerning property law, the insurance is valid worldwide (outside of Europe at most CHF 50,000). Legal protection for patients applies for emergent medical treatment in the whole of Europe, legal protecton for contracts of work and labour is given in Switzerland and in neighboring countries (there up to a maximum of CHF 50,000). Victim aid is granted in the whole of Europe.
    In all other insurance cases, the court of jurisdiction must lie in Switzerland or Liechtenstein.

    Insurance protection for contractual disputes as well as disputes concerning labour and patient law (except emergency treatments) is initiated after a waiting period of 3 months. The 3-month waiting period also applies to legal protection for tenants, leaseholders and owners. In cases concerning inheritance law, the waiting period is 1 year. In all other cases, no waiting period applies.

    Legal matters concerning...

    • Conflicts resulting from financial transactions
    • Conflicts involving the remunerated execution of sports
    • Criminal proceedings for deliberate offences
    • Conflicts with live-in partners or roommates
    • Copyright and patent rights
    • Prosecution and bankruptcy laws
    • Matters concerning inheritance (protection only covers legal advice)
    • Conflicts regarding mainentance payments (where divorce cases are concerned)
    • Bankruptcy and composition proceedings
    • Disputes concerning self-employment and illegal employment
    • Tax, planning, expropriation and corporate law

    The insurer may decide if an attorney is to be consulted. If an external lawyer is called upon, the insurance holder may consult the representative of his choice. However, the insurer has the right to reject a proposed attorney. The insurance holder may propose three lawyer's offices, from which one must be chosen.

    Arbitration prodeedings may be initiated within 20 days. Decisions made by the concordat concerning arbitral jurisdiction apply.

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

    According to contract duration as stated in the insurance policy. Shortest possible contract duration is one year.

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

    Motor legal protection


    Individual: Insurance holders as well as underage children (if they live in the same household or during the children's visit at the insured parent) as verhicle owner or driver, as pedestrian or cyclist and as passenger of a vehicle or a user of public transportation.
    The insurance applies from the date of marriage as a "family insurance", if the change of civil status is reported within 3 months and the premium difference is paid.

    Family: Insurance holder, spouse or partner as well as underage children (if they live in the same household or during the children's visit at the insured parent) as vehicle owners or drivers, as pedestrians or cyclists and as passengers of a vehicle or users of public transportation.


    • Criminal charges (except for breach of honour)
    • Property law concerning vehicle ownership
    • Victim aid

    • generally up to CHF 500,000 per case,
    • Court cases outside of Europe: up to CHF 50,000

    • Collections
    • Costs for handling own case

    • Blood alcohol and drug analysis ordered by the authorities, as well as medical and psychological examinations
    • Translation costs
    • Travel costs
    • Costs for proceedings resulting from legally binding verdicts and administrative court orders
    • Proceedings to recover legally confiscated driving license
    • Repeated proceedings in cases of presumed unfitness to drive due to alcohol, medicine or drug consumption

    The insurance applies worldwide, except for victim aid which is only granted in Europe and license withdrawal which is only covered for Switzerland.

    No waiting period applies.

    Legal matters concerning...

    • Proceedings due to exceeding the speed limit by 30 km/h or more, driving under the influence of alcohol (from 0.8 per mill), medication or drugs, reoccuring cases of drunk driving, thwarting blood tests or medication/drug abuse
    • the active participation in competitions or races
    • the violation of parking regulations and stopping restricions

    The insurer will decide if a lawyer is to be consulted. If an external lawyer is deemed necessary, the insurance holder may suggest the legal representative of his choice. However, the insurer has the right to reject his proposal. The insurance holder may then suggest 3 lawyers' offices, of which one must be chosen.

    Arbitration prodeedings may be initiated within 20 days. Decisions made by the concordat for arbitral jurisdiction apply.

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

    According to contract duration as stated in insurance policy. Minimal duration is one year.

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

    Options
    • Travel legal protection can be insured additionally
  • Orion Premium (Personal legal protection)


    Individual: Insurance holders as well as underage children (if they are living in the same household or during the children's visit to the insured parent).
    The insurance applies as a "family insurance" from the marriage date, if the change of civil status is reported within 3 months and the premium difference is paid.

    Family: Insurance holder, spouse or partner as well as underage children (if they are living in the same household or during the children's visit to the insured parent)


    • Complaint of criminal offence (exception: breach of honour)
    • Tenants' rights (for tenants)
    • Ownership rights (real estate law), disputes over building permits
    • Disputes over work labour contracts (provided they are not connected to purchase of real estate, building or renovation work)
    • Law of property
    • Neighbouring rights (as owner of self-inhabited property)
    • Legal advice (one session per year excluding matters concerning marriage and divorce laws)
    • Employment law, as long as the amount in dispute does not exceed CHF 300,000.
    • Disputes as an employer with cleaning personnel of a private household or child care worker
    • Tax law, given the difference between the allowed reduction according to definitive assessment and the final declaration does not exceed the amount of CHF 10,000

    • up to CHF 1,000,000 per case
    • CHF 75,000 for cases covered by insurance with court of jurisdiction outside of Europe
    • Inheritance law up to CHF 3,000 in 5 years
    • Legal advice: CHF 1,000 per session (in case Orion refers to an external lawyer or notary)

    • Collections
    • Costs for dealing with own case

    • Translation costs
    • Travel costs
    • Hearing costs resulting from legally binding verdicts and administrative court orders

    For compensation and criminal cases and disputes concerning property law as well as legal protection for travels abroad, the insurance is valid for court of jurisdiction worldwide (outside of Europe up to at most CHF 75,000).
    Legal protection for patients applies for emergency medical treatment in the whole of Europe, legal protection for contracts of work and labour is given in Switzerland and in neighboring countries. For disputes concerning other contractual issues, the insurance applies in Europe.
    In all other insurance cases, the court of jurisdiction must lie in Switzerland or Liechtenstein.

    Insurance protection for legal proceedings concerning contractual law, patient law (except emergency treatments) and labour law, legal protection for tenants, leaseholders as well as owners begins after a waiting period of 3 months. For law cases concerning inheritance and tax law, the waiting period is 1 year; for marital law 2 years. In all other cases, no waiting period applies.

    Legal matters concerning...

    • Conflicts resulting from financial transactions
    • Conflicts involving the remunerated execution of sports
    • Criminal proceedings for deliberate offences
    • Conflicts with live-in partners or roommates
    • Copyright and patent rights
    • Prosecution and bankruptcy laws
    • Conflicts regarding mainentance payments (where divorce cases are concerned)
    • Bankruptcy and composition proceedings
    • Disputes concerning self-employment and illegal employment
    • Tax, planning, expropriation and corporate law

    The insurer may decide if an attorney is to be consulted. If an external lawyer is called upon, the insurance holder may consult the representative of his choice. However, the insurer has the right to reject a proposed attorney. The insurance holder may propose three lawyer's offices, from which one must be chosen.

    Arbitration prodeedings may be initiated within 20 days. Decisions made by the concordat concerning arbitral jurisdiction apply.

    Notice of termination must be handed in 1 months before the contract is due to expire.

    According to contract duration as stated in the insurance policy. Shortest possible contract duration is one year.

    Action in case of a claim
    The insurer must be notified in writing immediately.
  • Orion Premium (Personal and motor legal protection)

    Personal legal protection


    Individual: Insurance holders as well as underage children (if they are living in the same household or during the children's visit to the insured parent).
    The insurance applies as a "family insurance" from the marriage date, if the change of civil status is reported within 3 months and the premium difference is paid.

    Family: Insurance holder, spouse or partner as well as underage children (if they are living in the same household or during the children's visit to the insured parent)


    • Complaint of criminal offence (exception: breach of honour)
    • Tenants' rights (for tenants)
    • Ownership rights (real estate law), disputes over building permits
    • Disputes over work labour contracts (provided they are not connected to purchase of real estate, building or renovation work)
    • Law of property
    • Neighbouring rights (as owner of self-inhabited property)
    • Legal advice (one session per year excluding matters concerning marriage and divorce laws)
    • Employment law, as long as the amount in dispute does not exceed CHF 300,000.
    • Disputes as an employer with cleaning personnel of a private household or child care worker
    • Tax law, given the difference between the allowed reduction according to definitive assessment and the final declaration does not exceed the amount of CHF 10,000

    • up to CHF 1,000,000 per case
    • CHF 75,000 for cases covered by insurance with court of jurisdiction outside of Europe
    • Inheritance law up to CHF 3,000 in 5 years
    • Legal advice: CHF 1,000 per session (in case Orion refers to an external lawyer or notary)

    • Collections
    • Costs for dealing with own case

    • Translation costs
    • Travel costs
    • Hearing costs resulting from legally binding verdicts and administrative court orders

    For compensation and criminal cases and disputes concerning property law as well as legal protection for travels abroad, the insurance is valid for court of jurisdiction worldwide (outside of Europe up to at most CHF 75,000).
    Legal protection for patients applies for emergency medical treatment in the whole of Europe, legal protection for contracts of work and labour is given in Switzerland and in neighboring countries. For disputes concerning other contractual issues, the insurance applies in Europe.
    In all other insurance cases, the court of jurisdiction must lie in Switzerland or Liechtenstein.

    Insurance protection for legal proceedings concerning contractual law, patient law (except emergency treatments) and labour law, legal protection for tenants, leaseholders as well as owners begins after a waiting period of 3 months. For law cases concerning inheritance and tax law, the waiting period is 1 year; for marital law 2 years. In all other cases, no waiting period applies.

    Legal matters concerning...

    • Conflicts resulting from financial transactions
    • Conflicts involving the remunerated execution of sports
    • Criminal proceedings for deliberate offences
    • Conflicts with live-in partners or roommates
    • Copyright and patent rights
    • Prosecution and bankruptcy laws
    • Conflicts regarding mainentance payments (where divorce cases are concerned)
    • Bankruptcy and composition proceedings
    • Disputes concerning self-employment and illegal employment
    • Tax, planning, expropriation and corporate law

    The insurer may decide if an attorney is to be consulted. If an external lawyer is called upon, the insurance holder may consult the representative of his choice. However, the insurer has the right to reject a proposed attorney. The insurance holder may propose three lawyer's offices, from which one must be chosen.

    Arbitration prodeedings may be initiated within 20 days. Decisions made by the concordat concerning arbitral jurisdiction apply.

    Notice of termination must be handed in 1 months before the contract is due to expire.

    According to contract duration as stated in the insurance policy. Shortest possible contract duration is one year.

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

    Motor legal protection


    Individual: Insurance holders as well as underage children (if they live in the same household or during the children's visit at the insured parent) as verhicle owner or driver, as pedestrian or cyclist and as passenger of a vehicle or a user of public transportation.
    The insurance applies from the date of marriage as a "family insurance", if the change of civil status is reported within 3 months and the premium difference is paid.

    Family: Insurance holder, spouse or partner as well as underage children (if they live in the same household or during the children's visit at the insured parent) as vehicle owners or drivers, as pedestrians or cyclists and as passengers of a vehicle or users of public transportation.


    • Criminal charges (except for breach of honour)
    • Property law concerning vehicle ownership
    • Victim aid

    • generally up to CHF 500,000 per case,
    • Court cases outside of Europe: up to CHF 75,000

    • Collections
    • Costs for handling own case

    • Blood alcohol and drug analysis ordered by the authorities, as well as medical and psychological examinations
    • Translation costs
    • Travel costs
    • Costs for proceedings resulting from legally binding verdicts and administrative court orders
    • Proceedings to recover legally confiscated driving license
    • Repeated proceedings in cases of presumed unfitness to drive due to alcohol, medicine or drug consumption

    The insurance applies worldwide, except for victim aid which is only granted in Europe and license withdrawal which is only covered for Switzerland.

    No waiting period applies.

    Legal matters concerning...

    • Proceedings due to exceeding the speed limit by 30 km/h or more, driving under the influence of alcohol (from 0.8 per mill), medication or drugs, reoccuring cases of drunk driving, thwarting blood tests or medication/drug abuse
    • the active participation in competitions or races
    • the violation of parking regulations and stopping restricions

    The insurer will decide if a lawyer is to be consulted. If an external lawyer is deemed necessary, the insurance holder may suggest the legal representative of his choice. However, the insurer has the right to reject his proposal. The insurance holder may then suggest 3 lawyers' offices, of which one must be chosen.

    Arbitration prodeedings may be initiated within 20 days. Decisions made by the concordat for arbitral jurisdiction apply.

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

    According to contract duration as stated in insurance policy. Minimal duration is one year.

    Action in case of a claim
    The insurer must be notified in writing immediately.
  • Orion Click (Personal legal protection)


    Individual: Insurance holders as well as underage children (if they are living in the same household).
    The insurance applies as a "family insurance" from the marriage date, if the change of civil status is reported within 3 months and the premium difference is paid.

    Family: Insurance holder, spouse or partner as well as unmarried children up to 25 years of age (if they are living in the same household)


    • Complaint of criminal offence (exception: breach of honouor)
    • Tenants' rights (for tenants)
    • Disputes involving ownership law (real estate law, insurance law)
    • Disputes over work labour, provided they are not in connection with purchase of real estate, building or renovation work which is subject to approval
    • Law of property
    • Neighbours' rights (as owner of self-inhabited property)
    • Legal advice (one session per year for individuals' rights, family and inheritance matters excluding matters concerning marriage, divorce and foundation laws)
    • Employment law, as long as the policyholder is not concurrently a member of management or the administrative board, and the amount in dispute does not exceed CHF 100,000
    • Victim aid

    • up to CHF 300,000 per case
    • Legal advice: CHF 300 per session (in case Orion refers to an external lawyer or notary)
    • Legal cases in which involved as a holder of real estate property up to CHF 10,000


    • Hearing costs resulting from legally binding verdicts and administrative court orders

    For compensation and criminal cases and disputes concerning property law, the insurance is valid in Europe. Legal protection for patients applies for emergent medical treatment in the whole of Europe. Victim aid is granted in the whole of Europe.
    In all other insurance cases, the court of jurisdiction must lie in Switzerland or Liechtenstein.

    Insurance protection for contractual disputes as well as disputes concerning labour and patient law (except emergency treatments) is initiated after a waiting period of 3 months. The 3-month waiting period also applies to legal protection for tenants, leaseholders and owners as well as for legal protection consultation. In all other cases, no waiting period applies.

    Legal matters concerning...

    • Conflicts resulting from financial transactions
    • Conflicts involving the remunerated execution of sports
    • Criminal proceedings for deliberate offences
    • Conflicts with live-in partners or roommates, marriage or civil union partner
    • Copyright and patent rights
    • Prosecution and bankruptcy laws as well as undisputed collection procedures
    • Matters concerning inheritance (protection only covers legal advice)
    • Conflicts regarding mainentance payments (where divorce cases are concerned)
    • Disputes concerning self-employment and illegal employment
    • Tax, planning, expropriation and corporate law
    • defence against compensation claims
    • conflicts pertaining to land vehicles, water craft and aircraft for which mandatory matriculation applies

    The insurer may decide if an attorney is to be consulted. If an external lawyer is called upon, the insurance holder may consult the representative of his choice. However, the insurer has the right to reject a proposed attorney. The insurance holder may propose three lawyer's offices, from which one must be chosen.

    Arbitration prodeedings may be initiated within 20 days. The regulations of the Swiss Code of Civil Procedure apply.

    Notice of termination must be handed in 1 month before the contract is due to expire.

    According to contract duration as stated in the insurance policy. Shortest possible contract duration is one year.

    Action in case of a claim
    The insurer must be notified in writing immediately.
  • Orion Click (Motor legal protection)


    Individual: Insurance holders as well as underage children (if they live in the same household) as verhicle owner or driver, as pedestrian or cyclist and as passenger of a vehicle or a user of public transportation.
    The insurance applies from the date of marriage as a "family insurance", if the change of civil status is reported within 3 months and the premium difference is paid.

    Family: Insurance holder, spouse or partner as well as unmarried children up to 25 years of age (if they live in the same household) as vehicle owners or drivers, as pedestrians or cyclists and as passengers of a vehicle or users of public transportation.


    • Criminal charges (except for breach of honour)
    • Property law concerning vehicle ownership
    • Patient rights
    • Victim aid

    • generally up to CHF 300,000 per case


    • Blood alcohol and drug analysis ordered by the authorities, as well as medical and psychological examinations
    • Costs for proceedings resulting from legally binding verdicts and administrative court orders
    • Proceedings to recover legally confiscated driving license
    • Incidents as owner/holder of professionally used vehicles

    The insurance applies in Europe, except for vehicle contract protection, tenant of a garage and license withdrawal which is only covered for Switzerland.

    For vehicle contract law disputes, a waiting period of 3 months applies.

    Legal matters concerning...

    • Proceedings due to exceeding the speed limit by 30 km/h or more, driving under the influence of alcohol (from 0.8 per mill), medication or drugs, reoccuring cases of unfitness to drive (due to alcohol, medicine or drug consumption), thwarting blood tests or medication/drug abuse
    • exceeding the speed limit within a built-up area from 30 km/h, out of town from 40 km/h, on motorways from 50 km/h
    • the active participation in competitions or races
    • the violation of parking regulations and stopping restricions
    • conflicts pertaining aircrafts

    The insurer will decide if a lawyer is to be consulted. If an external lawyer is deemed necessary, the insurance holder may suggest the legal representative of his choice. However, the insurer has the right to reject his proposal. The insurance holder may then suggest 3 lawyers' offices, of which one must be chosen.

    Arbitration prodeedings may be initiated within 20 days. Decisions made by the concordat for arbitral jurisdiction apply.

    Notice of termination must be handed in at least 1 month before contract is due to lapse.

    According to contract duration as stated in insurance policy. Minimal duration is one year.

    Action in case of a claim
    The insurer must be notified in writing immediately.
  • Orion Click (Personal and motor legal protection)

    Personal legal protection


    Individual: Insurance holders as well as underage children (if they are living in the same household).
    The insurance applies as a "family insurance" from the marriage date, if the change of civil status is reported within 3 months and the premium difference is paid.

    Family: Insurance holder, spouse or partner as well as unmarried children up to 25 years of age (if they are living in the same household)


    • Complaint of criminal offence (exception: breach of honouor)
    • Tenants' rights (for tenants)
    • Disputes involving ownership law (real estate law, insurance law)
    • Disputes over work labour, provided they are not in connection with purchase of real estate, building or renovation work which is subject to approval
    • Law of property
    • Neighbours' rights (as owner of self-inhabited property)
    • Legal advice (one session per year for individuals' rights, family and inheritance matters excluding matters concerning marriage, divorce and foundation laws)
    • Employment law, as long as the policyholder is not concurrently a member of management or the administrative board, and the amount in dispute does not exceed CHF 100,000
    • Victim aid

    • up to CHF 300,000 per case
    • Legal advice: CHF 300 per session (in case Orion refers to an external lawyer or notary)
    • Legal cases in which involved as a holder of real estate property up to CHF 10,000


    • Hearing costs resulting from legally binding verdicts and administrative court orders

    For compensation and criminal cases and disputes concerning property law, the insurance is valid in Europe. Legal protection for patients applies for emergent medical treatment in the whole of Europe. Victim aid is granted in the whole of Europe.
    In all other insurance cases, the court of jurisdiction must lie in Switzerland or Liechtenstein.

    Insurance protection for contractual disputes as well as disputes concerning labour and patient law (except emergency treatments) is initiated after a waiting period of 3 months. The 3-month waiting period also applies to legal protection for tenants, leaseholders and owners as well as for legal protection consultation. In all other cases, no waiting period applies.

    Legal matters concerning...

    • Conflicts resulting from financial transactions
    • Conflicts involving the remunerated execution of sports
    • Criminal proceedings for deliberate offences
    • Conflicts with live-in partners or roommates, marriage or civil union partner
    • Copyright and patent rights
    • Prosecution and bankruptcy laws as well as undisputed collection procedures
    • Matters concerning inheritance (protection only covers legal advice)
    • Conflicts regarding mainentance payments (where divorce cases are concerned)
    • Disputes concerning self-employment and illegal employment
    • Tax, planning, expropriation and corporate law
    • defence against compensation claims
    • conflicts pertaining to land vehicles, water craft and aircraft for which mandatory matriculation applies

    The insurer may decide if an attorney is to be consulted. If an external lawyer is called upon, the insurance holder may consult the representative of his choice. However, the insurer has the right to reject a proposed attorney. The insurance holder may propose three lawyer's offices, from which one must be chosen.

    Arbitration prodeedings may be initiated within 20 days. The regulations of the Swiss Code of Civil Procedure apply.

    Notice of termination must be handed in 1 month before the contract is due to expire.

    According to contract duration as stated in the insurance policy. Shortest possible contract duration is one year.

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

    Motor legal protection


    Individual: Insurance holders as well as underage children (if they live in the same household) as verhicle owner or driver, as pedestrian or cyclist and as passenger of a vehicle or a user of public transportation.
    The insurance applies from the date of marriage as a "family insurance", if the change of civil status is reported within 3 months and the premium difference is paid.

    Family: Insurance holder, spouse or partner as well as unmarried children up to 25 years of age (if they live in the same household) as vehicle owners or drivers, as pedestrians or cyclists and as passengers of a vehicle or users of public transportation.


    • Criminal charges (except for breach of honour)
    • Property law concerning vehicle ownership
    • Patient rights
    • Victim aid

    • generally up to CHF 300,000 per case


    • Blood alcohol and drug analysis ordered by the authorities, as well as medical and psychological examinations
    • Costs for proceedings resulting from legally binding verdicts and administrative court orders
    • Proceedings to recover legally confiscated driving license
    • Incidents as owner/holder of professionally used vehicles

    The insurance applies in Europe, except for vehicle contract protection, tenant of a garage and license withdrawal which is only covered for Switzerland.

    For vehicle contract law disputes, a waiting period of 3 months applies.

    Legal matters concerning...

    • Proceedings due to exceeding the speed limit by 30 km/h or more, driving under the influence of alcohol (from 0.8 per mill), medication or drugs, reoccuring cases of unfitness to drive (due to alcohol, medicine or drug consumption), thwarting blood tests or medication/drug abuse
    • exceeding the speed limit within a built-up area from 30 km/h, out of town from 40 km/h, on motorways from 50 km/h
    • the active participation in competitions or races
    • the violation of parking regulations and stopping restricions
    • conflicts pertaining aircrafts

    The insurer will decide if a lawyer is to be consulted. If an external lawyer is deemed necessary, the insurance holder may suggest the legal representative of his choice. However, the insurer has the right to reject his proposal. The insurance holder may then suggest 3 lawyers' offices, of which one must be chosen.

    Arbitration prodeedings may be initiated within 20 days. Decisions made by the concordat for arbitral jurisdiction apply.

    Notice of termination must be handed in at least 1 month before contract is due to lapse.

    According to contract duration as stated in insurance policy. Minimal duration is one year.

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


Company data of Orion

Headquarters: Basel
Premium volume 2010 in millions: 32.8
Insurance company: Orion Rechtsschutz-Versicherung AG

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