Protekta legal protection insurance
Products from Protekta
Insured persons
Single person
Insured person
Your children, who you are raising alone, until the oldest reaches the age of 16 at the latest.
Multi-person household
Insured person and all persons living in the same household. Apprentices and students who regularly return home for the weekend are also insured.
Other insured legal areas
Consumer and contract law
Property law
Tort law
Education law
Employment law
Tenancy and lease law
Law of neighbours
Legal protection for builders
Mortgage disputes
Criminal law
Patient rights law
Social insurance law
Private insurance law
Benefits
Switzerland & Europe up to CHF 1,000,000
Deductible CHF 2,000
Other uncovered costs
Expenses and administrative charges for a penalty order or an administrative measure are only covered once per year up to CHF 500.
Geographical limitations
Europe-wide, with a few exceptions
Waiting period
0 to 3 months, depending on the area of law
Exclusions
Legal cases concerning:
Employment law: only covered on a pro rata basis for disputed amounts over CHF 100,000
Disputes in connection with the practice of professional sports
Criminal proceedings for deliberate offences
Choice of legal representative
The insured person may propose a lawyer if the involvement of a lawyer is required. Protekta will appoint the lawyer. Should the insured person and Protekta fail to reach an agreement on who to mandate as the legal representative, Protekta will choose one of the three legal representatives the insured person suggests.
Procedures in case of futility or differences in opinion
Such disputes may be referred to arbitration within 20 days. The provisions of the Swiss Civil Procedure Code (CPC) apply.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
According to contract duration as set out in the policy. Minimum contract duration 1 year, max. 5 years.
Action in case of a claim
The insurer must be notified in writing.
Extras
Possibility of a discount of up to CHF 30 if you also have contents, motor vehicle and travel insurance from Mobiliar.
Insured persons
Single person
Insured person
Your children, who you are raising alone, until the oldest reaches the age of 16 at the latest.
Multi-person household
Insured person and all persons living in the same household. Apprentices and students who regularly return home for the weekend are also insured.
Other insured legal areas
Consumer and contract law
Property law
Tort law
Criminal law
Driving licence suspension and vehicle taxation
Social insurance law
Private insurance law
Benefits
Switzerland & Europe up to CHF 1,000,000
Deductible CHF 2,000
Other uncovered costs
Blood alcohol and drug analyses
Expenses and administrative costs for a penalty order or an administrative measure are only covered once a year up to CHF 500.
Geographical limitations
Europe-wide, with a few exceptions
Waiting period
0 to 3 months, depending on the area of law
Exclusions
Legal cases concerning:
Deliberate offences or violations
Active participation in competitions or races
Choice of legal representative
If a lawyer must be consulted, the insurance holder may suggest the lawyer of his choice. Protekta will give assignments to the chosen lawyer. If the holder and Protekta are unable to agree on a lawyer, the policyholder may nominate 3 lawyers, one of which is then chosen by Protekta.
Procedures in case of futility or differences in opinion
Such disputes may be referred to arbitration within 20 days. The provisions of the Swiss Civil Procedure Code (CPC) apply.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
According to contract duration as set out in the policy. Minimum contract duration 1 year, max. 5 years.
Action in case of a claim
The insurer must be notified in writing.
Personal legal protection
Insured persons
Single person
Insured person
Your children, who you are raising alone, until the oldest reaches the age of 16 at the latest.
Multi-person household
Insured person and all persons living in the same household. Apprentices and students who regularly return home for the weekend are also insured.
Other insured legal areas
Consumer and contract law
Property law
Tort law
Education law
Employment law
Tenancy and lease law
Law of neighbours
Legal protection for builders
Mortgage disputes
Criminal law
Patient rights law
Social insurance law
Private insurance law
Benefits
Switzerland & Europe up to CHF 1,000,000
Deductible CHF 2,000
Other uncovered costs
Expenses and administrative charges for a penalty order or an administrative measure are only covered once per year up to CHF 500.
Geographical limitations
Europe-wide, with a few exceptions
Waiting period
0 to 3 months, depending on the area of law
Exclusions
Legal cases concerning:
Employment law: only covered on a pro rata basis for disputed amounts over CHF 100,000
Disputes in connection with the practice of professional sports
Criminal proceedings for deliberate offences
Choice of legal representative
The insured person may propose a lawyer if the involvement of a lawyer is required. Protekta will appoint the lawyer. Should the insured person and Protekta fail to reach an agreement on who to mandate as the legal representative, Protekta will choose one of the three legal representatives the insured person suggests.
Procedures in case of futility or differences in opinion
Such disputes may be referred to arbitration within 20 days. The provisions of the Swiss Civil Procedure Code (CPC) apply.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
According to contract duration as set out in the policy. Minimum contract duration 1 year, max. 5 years.
Action in case of a claim
The insurer must be notified in writing.
Extras
Possibility of a discount of up to CHF 30 if you also have contents, motor vehicle and travel insurance from Mobiliar.
Motor legal protection
Insured persons
Single person
Insured person
Your children, who you are raising alone, until the oldest reaches the age of 16 at the latest.
Multi-person household
Insured person and all persons living in the same household. Apprentices and students who regularly return home for the weekend are also insured.
Other insured legal areas
Consumer and contract law
Property law
Tort law
Criminal law
Driving licence suspension and vehicle taxation
Social insurance law
Private insurance law
Benefits
Switzerland & Europe up to CHF 1,000,000
Deductible CHF 2,000
Other uncovered costs
Blood alcohol and drug analyses
Expenses and administrative costs for a penalty order or an administrative measure are only covered once a year up to CHF 500.
Geographical limitations
Europe-wide, with a few exceptions
Waiting period
0 to 3 months, depending on the area of law
Exclusions
Legal cases concerning:
Deliberate offences or violations
Active participation in competitions or races
Choice of legal representative
If a lawyer must be consulted, the insurance holder may suggest the lawyer of his choice. Protekta will give assignments to the chosen lawyer. If the holder and Protekta are unable to agree on a lawyer, the policyholder may nominate 3 lawyers, one of which is then chosen by Protekta.
Procedures in case of futility or differences in opinion
Such disputes may be referred to arbitration within 20 days. The provisions of the Swiss Civil Procedure Code (CPC) apply.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
According to contract duration as set out in the policy. Minimum contract duration 1 year, max. 5 years.
Action in case of a claim
The insurer must be notified in writing.
Insured persons
Single person
Insured person
Your children, who you are raising alone, until the oldest reaches the age of 16 at the latest.
Multi-person household
Insured person and all persons living in the same household. Apprentices and students who regularly return home for the weekend are also insured.
Other insured legal areas
Consumer and contract law
Property law
Tort law
Education law
Employment law
Tenancy and lease law
Law of neighbours
Legal protection for builders
Mortgage disputes
Criminal law
Patient rights law
Social insurance law
Private insurance law
Benefits
Switzerland & Europe up to CHF 1,000,000
Worldwide up to CHF 200,000
Other uncovered costs
Expenses and administrative charges for a penalty order or an administrative measure are only covered once per year up to CHF 500.
Geographical limitations
Worldwide, with a few exceptions
Waiting period
0 to 3 months, depending on the area of law
Exclusions
Legal cases concerning:
Employment law: only covered on a pro rata basis for disputed amounts over CHF 150,000
Disputes in connection with the practice of professional sports
Criminal proceedings for deliberate offences
Choice of legal representative
The insured person may propose a lawyer if the involvement of a lawyer is required. Protekta will appoint the lawyer. Should the insured person and Protekta fail to reach an agreement on who to mandate as the legal representative, Protekta will choose one of the three legal representatives the insured person suggests.
Procedures in case of futility or differences in opinion
Such disputes may be referred to arbitration within 20 days. The provisions of the Swiss Civil Procedure Code (CPC) apply.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
According to contract duration as set out in the policy. Minimum contract duration 1 year, max. 5 years.
Action in case of a claim
The insurer must be notified in writing.
Extras
Possibility of a discount of up to CHF 30 if you also have contents, motor vehicle and travel insurance from Mobiliar.
25% premium discount on legal protection insurance for persons under 26 years of age.
10% premium discount for legal protection insurance for persons over 60 years of age.
Insured persons
Single person
Insured person
Your children, who you are raising alone, until the oldest reaches the age of 16 at the latest.
Multi-person household
Insured person and all persons living in the same household. Apprentices and students who regularly return home for the weekend are also insured.
Other insured legal areas
Consumer and contract law
Property law
Tort law
Criminal law
Driving licence suspension and vehicle taxation
Social insurance law
Private insurance law
Benefits
Switzerland & Europe up to CHF 1,000,000
Worldwide up to CHF 200,000
Other uncovered costs
Blood alcohol and drug analyses
Expenses and administrative costs for a penalty order or an administrative measure are only covered once a year up to CHF 500.
Geographical limitations
Worldwide, with the exception of social insurance law (Europe-wide)
Waiting period
0 to 3 months, depending on the area of law
Exclusions
Legal cases concerning:
Deliberate offences or violations
Active participation in competitions or races
Choice of legal representative
The insured person may propose a lawyer if the involvement of a lawyer is required. Protekta will appoint the lawyer. Should the insured person and Protekta fail to reach an agreement on who to mandate as the legal representative, Protekta will choose one of the three legal representatives the insured person suggests.
Procedures in case of futility or differences in opinion
Such disputes may be referred to arbitration within 20 days. The provisions of the Swiss Civil Procedure Code (CPC) apply.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
According to contract duration as set out in the policy. Minimum contract duration 1 year, max. 5 years.
Action in case of a claim
The insurer must be notified in writing.
Extras
25% premium discount on legal protection insurance for persons under 26 years of age.
10% premium discount for legal protection insurance for persons over 60 years of age.
Personal legal protection
Insured persons
Single person
Insured person
Your children, who you are raising alone, until the oldest reaches the age of 16 at the latest.
Multi-person household
Insured person and all persons living in the same household. Apprentices and students who regularly return home for the weekend are also insured.
Other insured legal areas
Consumer and contract law
Property law
Tort law
Education law
Employment law
Tenancy and lease law
Law of neighbours
Legal protection for builders
Mortgage disputes
Criminal law
Patient rights law
Social insurance law
Private insurance law
Benefits
Switzerland & Europe up to CHF 1,000,000
Worldwide up to CHF 200,000
Other uncovered costs
Expenses and administrative charges for a penalty order or an administrative measure are only covered once per year up to CHF 500.
Geographical limitations
Worldwide, with a few exceptions
Waiting period
0 to 3 months, depending on the area of law
Exclusions
Legal cases concerning:
Employment law: only covered on a pro rata basis for disputed amounts over CHF 150,000
Disputes in connection with the practice of professional sports
Criminal proceedings for deliberate offences
Choice of legal representative
The insured person may propose a lawyer if the involvement of a lawyer is required. Protekta will appoint the lawyer. Should the insured person and Protekta fail to reach an agreement on who to mandate as the legal representative, Protekta will choose one of the three legal representatives the insured person suggests.
Procedures in case of futility or differences in opinion
Such disputes may be referred to arbitration within 20 days. The provisions of the Swiss Civil Procedure Code (CPC) apply.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
According to contract duration as set out in the policy. Minimum contract duration 1 year, max. 5 years.
Action in case of a claim
The insurer must be notified in writing.
Extras
Possibility of a discount of up to CHF 30 if you also have contents, motor vehicle and travel insurance from Mobiliar.
25% premium discount on legal protection insurance for persons under 26 years of age.
10% premium discount for legal protection insurance for persons over 60 years of age.
Motor legal protection
Insured persons
Single person
Insured person
Your children, who you are raising alone, until the oldest reaches the age of 16 at the latest.
Multi-person household
Insured person and all persons living in the same household. Apprentices and students who regularly return home for the weekend are also insured.
Other insured legal areas
Consumer and contract law
Property law
Tort law
Criminal law
Driving licence suspension and vehicle taxation
Social insurance law
Private insurance law
Benefits
Switzerland & Europe up to CHF 1,000,000
Worldwide up to CHF 200,000
Other uncovered costs
Blood alcohol and drug analyses
Expenses and administrative costs for a penalty order or an administrative measure are only covered once a year up to CHF 500.
Geographical limitations
Worldwide, with the exception of social insurance law (Europe-wide)
Waiting period
0 to 3 months, depending on the area of law
Exclusions
Legal cases concerning:
Deliberate offences or violations
Active participation in competitions or races
Choice of legal representative
The insured person may propose a lawyer if the involvement of a lawyer is required. Protekta will appoint the lawyer. Should the insured person and Protekta fail to reach an agreement on who to mandate as the legal representative, Protekta will choose one of the three legal representatives the insured person suggests.
Procedures in case of futility or differences in opinion
Such disputes may be referred to arbitration within 20 days. The provisions of the Swiss Civil Procedure Code (CPC) apply.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
According to contract duration as set out in the policy. Minimum contract duration 1 year, max. 5 years.
Action in case of a claim
The insurer must be notified in writing.
Extras
25% premium discount on legal protection insurance for persons under 26 years of age.
10% premium discount for legal protection insurance for persons over 60 years of age.
Insured persons
Single person
Insured person
Your children, who you are raising alone, until the oldest reaches the age of 16 at the latest.
Multi-person household
Insured person and all persons living in the same household. Apprentices and students who regularly return home for the weekend are also insured.
Other insured legal areas
Consumer and contract law
Property law
Tort law
Education law
Personality rights and Internet legal protection
Debt collection legal protection
Copyright
Marriage law, civil unions and cohabitation
Inheritance law
Employment law
Contract law relating to self-employed part-time activities (annual sales of up to CHF 20,000)
Tenancy and lease law
Law of neighbours
Legal protection for builders
Mortgage disputes
Public construction law
Expropriation law
Criminal law
Fiscal law
Patient rights law
Social insurance law
Private insurance law
Legal advice (up to CHF 1,000 per calendar year)
Benefits
Switzerland & Europe up to CHF 1,300,000
Worldwide up to CHF 300,000
Other uncovered costs
Expenses and administrative charges for a penalty order or an administrative measure are only covered once per year up to CHF 500.
Geographical limitations
Worldwide, with a few exceptions
Waiting period
0 to 3 months, depending on the area of law
Exclusions
Legal cases concerning:
Employment law: only covered on a pro rata basis for disputed amounts over CHF 300,000
Disputes in connection with the practice of professional sports
Criminal proceedings for deliberate offences
Choice of legal representative
The insured person may propose a lawyer if the involvement of a lawyer is required. Protekta will appoint the lawyer. Should the insured person and Protekta fail to reach an agreement on who to mandate as the legal representative, Protekta will choose one of the three legal representatives the insured person suggests.
Procedures in case of futility or differences in opinion
Such disputes may be referred to arbitration within 20 days. The provisions of the Swiss Civil Procedure Code (CPC) apply.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
According to contract duration as set out in the policy. Minimum contract duration 1 year, max. 5 years.
Action in case of a claim
The insurer must be notified in writing.
Extras
Possibility of a discount of up to CHF 40 if you also have contents, cyber, motor vehicle and travel insurance with Mobiliar. Also included in the Comfort package: Legal protection in areas like legal advice, marriage law, civil unions and cohabitation, inheritance law, personality rights / Internet legal protection, copyright, expropriation law, fiscal law, debt collection legal protection, public construction law and contract law relating to self-employed part-time activities.
25% premium discount on legal protection insurance for persons under 26 years of age.
10% premium discount for legal protection insurance for persons over 60 years of age.
Personal legal protection
Insured persons
Single person
Insured person
Your children, who you are raising alone, until the oldest reaches the age of 16 at the latest.
Multi-person household
Insured person and all persons living in the same household. Apprentices and students who regularly return home for the weekend are also insured.
Other insured legal areas
Consumer and contract law
Property law
Tort law
Education law
Personality rights and Internet legal protection
Debt collection legal protection
Copyright
Marriage law, civil unions and cohabitation
Inheritance law
Employment law
Contract law relating to self-employed part-time activities (annual sales of up to CHF 20,000)
Tenancy and lease law
Law of neighbours
Legal protection for builders
Mortgage disputes
Public construction law
Expropriation law
Criminal law
Fiscal law
Patient rights law
Social insurance law
Private insurance law
Legal advice (up to CHF 1,000 per calendar year)
Benefits
Switzerland & Europe up to CHF 1,300,000
Worldwide up to CHF 300,000
Other uncovered costs
Expenses and administrative charges for a penalty order or an administrative measure are only covered once per year up to CHF 500.
Geographical limitations
Worldwide, with a few exceptions
Waiting period
0 to 3 months, depending on the area of law
Exclusions
Legal cases concerning:
Employment law: only covered on a pro rata basis for disputed amounts over CHF 300,000
Disputes in connection with the practice of professional sports
Criminal proceedings for deliberate offences
Choice of legal representative
The insured person may propose a lawyer if the involvement of a lawyer is required. Protekta will appoint the lawyer. Should the insured person and Protekta fail to reach an agreement on who to mandate as the legal representative, Protekta will choose one of the three legal representatives the insured person suggests.
Procedures in case of futility or differences in opinion
Such disputes may be referred to arbitration within 20 days. The provisions of the Swiss Civil Procedure Code (CPC) apply.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
According to contract duration as set out in the policy. Minimum contract duration 1 year, max. 5 years.
Action in case of a claim
The insurer must be notified in writing.
Extras
Possibility of a discount of up to CHF 40 if you also have contents, cyber, motor vehicle and travel insurance with Mobiliar. Also included in the Comfort package: Legal protection in areas like legal advice, marriage law, civil unions and cohabitation, inheritance law, personality rights / Internet legal protection, copyright, expropriation law, fiscal law, debt collection legal protection, public construction law and contract law relating to self-employed part-time activities.
25% premium discount on legal protection insurance for persons under 26 years of age.
10% premium discount for legal protection insurance for persons over 60 years of age.
Motor legal protection
Insured persons
Single person
Insured person
Your children, who you are raising alone, until the oldest reaches the age of 16 at the latest.
Multi-person household
Insured person and all persons living in the same household. Apprentices and students who regularly return home for the weekend are also insured.
Other insured legal areas
Consumer and contract law
Property law
Tort law
Criminal law
Driving licence suspension and vehicle taxation
Social insurance law
Private insurance law
Benefits
Switzerland & Europe up to CHF 1,300,000
Worldwide up to CHF 300,000
Other uncovered costs
Blood alcohol and drug analyses
Expenses and administrative costs for a penalty order or an administrative measure are only covered once a year up to CHF 500.
Geographical limitations
Worldwide, with the exception of social insurance law (Europe-wide)
Waiting period
0 to 3 months, depending on the area of law
Exclusions
Legal cases concerning:
Deliberate offences or violations
Active participation in competitions or races
Choice of legal representative
The insured person may propose a lawyer if the involvement of a lawyer is required. Protekta will appoint the lawyer. Should the insured person and Protekta fail to reach an agreement on who to mandate as the legal representative, Protekta will choose one of the three legal representatives the insured person suggests.
Procedures in case of futility or differences in opinion
Such disputes may be referred to arbitration within 20 days. The provisions of the Swiss Civil Procedure Code (CPC) apply.
Notice of cancellation
Cancellation period of 3 months before contract expiry
Contract term
According to contract duration as set out in the policy. Minimum contract duration 1 year, max. 5 years.
Action in case of a claim
The insurer must be notified in writing.
Extras
25% premium discount on legal protection insurance for persons under 26 years of age.
10% premium discount for legal protection insurance for persons over 60 years of age.
Information about Protekta insurance company
| Insurance carrier | Protekta Rechtsschutz-Versicherung AG |
| Head office | Bern |