Protekta legal protection insurance
Products from Protekta
Insured persons
Individual
Policyholder
Your minor children and other co-insured persons
Multi-person household
Policyholder
Persons living permanently in the same household and other co-insured persons
Additional insured areas of law
Consumer and contract law
Property law
Tort law
Education law
Labour law
Tenancy and leasehold law
Neighbour law
Legal expenses insurance for building owners
Mortgage disputes
Criminal law
Patient law
Social insurance law
Private insurance law
Insurance benefit
Sum insured for Switzerland/Europe: up to CHF 300,000
Sum insured worldwide: no worldwide coverage
Deductible CHF 2,000
In covered legal cases, Protekta provides support with legal advice and protection of interests. Covered legal costs are paid up to the agreed sum insured.
Additional uncovered costs
Employment law: full protection up to a disputed amount of CHF 100,000; costs are covered on a pro rata basis for higher disputed amounts.
Legal protection for builders: up to a construction sum of CHF 100,000
Procedural costs in penalty orders or orders from the Road Traffic Office are covered up to CHF 500 per calendar year.
Success fees and bankruptcy proceedings are not covered
Geographical scope of application
Europe-wide, with exceptions in individual areas of law.
Waiting period
0 to 3 months, depending on the field of law
Exclusions
Areas of law not listed
Deliberate criminal acts
Fines and payments of a punitive nature
Disputes relating to securities, corporate and financial investment law
Disputes relating to self-employment, insofar as they are not expressly insured
Disputes relating to paid sporting activities/coaching work with an annual income of more than CHF 20,000
Choice of attorney
If a lawyer is required, the insured person may propose a lawyer. In the event of disagreement, they shall propose three lawyers, one of whom Protekta shall select.
Procedure for hopeless cases or differences of opinion
In the event of disagreements about the prospects of success or the course of action, arbitration may be requested within 20 days.
Notice period
Notice period up to 3 months before the contract expires.
Contract term
1 to 5 years, then renewed annually.
What to do in the event of a claim
Insured disputes must be reported to Protekta immediately.
Extras
Mobiliar customer discount: up to CHF 15, depending on existing policies.
Legal advice by telephone – even without a covered legal case
Mobiliar’s online legal advice guide
Provisional insurance for 3 months in the event of changes to the group of insured persons
Insured persons
Individual
Policyholder
Your minor children and other co-insured persons
Authorised drivers and passengers of an insured person’s vehicle
Multi-person household
Policyholder
Persons living permanently in the same household and other co-insured persons
Authorised drivers and passengers of an insured person’s vehicle
Additional insured areas of law
Consumer and contract law
Property law
Tort law
Criminal law
Withdrawal of licence and vehicle taxation
Social insurance law
Private insurance law
Insurance benefit
Sum insured for Switzerland/Europe: up to CHF 300’000
Sum insured worldwide: no worldwide cover
Deductible CHF 2’000.
In covered legal cases, Protekta provides support with legal advice and safeguarding of interests. Covered legal costs are paid up to the agreed sum insured.
Additional uncovered costs
Procedural costs for penalty orders or orders from the Road Traffic Office are covered up to CHF 500 per calendar year.
Success fees and bankruptcy proceedings are not covered.
Geographical scope of application
Europe-wide
Waiting period
0 to 3 months, depending on the field of law
Exclusions
Areas of law not listed
Deliberate criminal offences
Fines and payments of a punitive nature
Disputes arising from securities, corporate and financial investment law
Disputes relating to self-employment, insofar as they are not expressly insured
Races, rallies and similar journeys
Vehicles used exclusively for commercial purposes
Driving without a valid driving licence or without a valid number plate
Serious speeding offences
Blood or drug analyses and fitness-to-drive assessments
Choice of attorney
If an attorney is required, the insured person may propose an attorney. In the event of disagreement, they shall propose three attorneys, from which Protekta shall select one.
Procedure for hopeless cases or differences of opinion
In the event of disagreements about the prospects of success or the course of action, arbitration may be requested within 20 days.
Notice period
Notice period up to 3 months before contract expiry.
Contract term
1 to 5 years, then renewed annually.
What to do in the event of a claim
Insured disputes must be reported to Protekta immediately.
Extras
Mobiliar customer discount: up to CHF 15, depending on existing policies.
Legal advice by telephone – even without a covered legal case
Mobiliar’s online legal advice guide
Provisional insurance for 3 months in the event of changes to the group of insured persons
Personal legal insurance
Insured persons
Individual
Policyholder
Your minor children and other co-insured persons
Multi-person household
Policyholder
Persons living permanently in the same household and other co-insured persons
Additional insured fields of law
Consumer and contract law
Property law
Tort law
Education law
Labour law
Tenancy and leasehold law
Neighbour law
Legal protection for builders
Mortgage disputes
Criminal law
Patient rights
Social insurance law
Private insurance law
Insurance benefit
Sum insured for Switzerland/Europe: up to CHF 300’000
Sum insured worldwide: no worldwide coverage
Deductible CHF 2’000
In covered legal cases, Protekta provides support with legal advice and the protection of interests. Covered legal costs are paid up to the agreed sum insured.
Additional uncovered costs
Labour law: full protection up to a disputed amount of CHF 100’000; costs are covered on a pro rata basis for higher disputed amounts.
Legal protection for builders: up to a construction sum of CHF 100’000
Procedural costs in penalty orders or orders from the Road Traffic Office are covered up to CHF 500 per calendar year.
Success fees and bankruptcy proceedings are not covered
Geographical scope of application
Europe-wide with exceptions in individual areas of law.
Waiting period
0 to 3 months, depending on the field of law
Exclusions
Areas of law not listed
Intentionally committed criminal offences
Fines and payments of a punitive nature
Disputes relating to securities, corporate and financial investment law
Disputes relating to self-employment, insofar as they are not expressly insured
Disputes relating to the practice of sport/coaching for remuneration with an annual income of more than CHF 20’000
Choice of attorney
If an attorney is required, the insured person may propose an attorney. In the event of disagreement, they shall propose three attorneys, one of whom Protekta shall select.
Procedure for hopeless cases or differences of opinion
In the event of disagreements about the prospects of success or the course of action, arbitration may be requested within 20 days.
Notice period
Notice period of up to 3 months before contract expiry.
Contract term
1 to 5 years, then renewed annually.
What to do in the event of a claim
Insured disputes must be reported to Protekta immediately.
Extras
Mobiliar customer discount: up to CHF 15, depending on existing policies.
Legal advice by telephone – even without a covered legal case
Mobiliar’s online legal advice guide
Provisional insurance for 3 months in the event of changes to the group of insured persons
Traffic legal protection
Insured persons
Individual
Policyholder
Your minor children and other co-insured persons
Authorised drivers and passengers of an insured person’s vehicle
Multi-person household
Policyholder
Persons living permanently in the same household and other co-insured persons
Authorised drivers and passengers of an insured person’s vehicle
Additional insured areas of law
Consumer and contract law
Property law
Tort law
Criminal law
Withdrawal of your licence and vehicle taxation
Social insurance law
Private insurance law
Insurance benefit
Sum insured for Switzerland/Europe: up to CHF 300’000
Sum insured worldwide: no worldwide cover
Deductible CHF 2’000.
In covered legal cases, Protekta provides support with legal advice and safeguarding of interests. Covered legal costs are paid up to the agreed sum insured.
Additional uncovered costs
Procedural costs in penalty orders or orders from the Road Traffic Office are covered up to CHF 500 per calendar year.
Success fees and bankruptcy proceedings are not covered.
Geographical scope of application
Europe-wide
Waiting period
0 to 3 months, depending on the field of law
Exclusions
Areas of law not listed
Deliberate criminal offences
Fines and payments of a punitive nature
Disputes arising from securities, corporate and financial investment law
Disputes relating to self-employment, insofar as they are not expressly insured
Races, rallies and similar journeys
Vehicles used exclusively for commercial purposes
Driving without a valid driving licence or without a valid number plate
Gross speeding offences
Blood or drug analyses and fitness-to-drive assessments
Choice of attorney
If a lawyer is required, the insured person may propose a lawyer. In the event of disagreement, they propose three lawyers, from which Protekta selects one.
Procedure for hopeless cases or differences of opinion
In the event of disagreements about the prospects of success or the course of action, arbitration may be requested within 20 days.
Notice period
Notice period up to 3 months before contract expiry.
Contract term
1 to 5 years, then renewed annually.
What to do in the event of a claim
Insured disputes must be reported to Protekta immediately.
Extras
Mobiliar customer discount: up to CHF 15, depending on existing policies.
Legal advice by telephone – even without a covered legal case
Mobiliar’s online legal advice guide
Provisional insurance for 3 months in the event of changes to the group of insured persons
Insured persons
Individual
Policyholder
Your minor children and other co-insured persons
Multi-person household
Policyholder
Persons living permanently in the same household and other co-insured persons
Additional insured areas of law
Consumer and contract law
Property law
Tort law
Education law
Labour law
Rental and lease law
Neighbourhood rights
Legal protection for builders
Mortgage disputes
Criminal law
Patients’ rights
Social insurance law
Private insurance law
Insurance benefit
Sum insured for Switzerland/Europe: up to CHF 1’000’000
Sum insured worldwide: up to CHF 200’000
No deductible.
In covered legal cases, Protekta provides support with legal advice and protection of interests. Covered legal costs are paid up to the agreed sum insured.
Additional uncovered costs
Employment law: full protection up to a dispute value of CHF 150’000; if the dispute value is higher, costs are covered on a pro rata basis.
Legal protection for builder-owners: up to a construction sum of CHF 200’000.
Procedural costs in penalty orders or orders from the Road Traffic Office are covered up to CHF 500 per calendar year.
Success fees and bankruptcy proceedings are not covered.
Geographical scope of application
Worldwide, with exceptions in individual areas of law.
Waiting period
0 to 3 months, depending on the field of law
Exclusions
Areas of law not listed
Deliberate criminal acts
Fines and payments of a punitive nature
Disputes relating to securities, corporate and financial investment law
Disputes relating to self-employment, insofar as they are not expressly insured
Disputes relating to the practice of sport/coaching for remuneration with an annual income of more than CHF 20’000
Choice of attorney
If a lawyer is required, the insured person may propose a lawyer. In the event of disagreement, they shall propose three lawyers, one of whom Protekta shall select.
Procedure for hopeless cases or differences of opinion
In the event of disagreements about the prospects of success or the course of action, arbitration may be requested within 20 days.
Notice period
Notice period up to 3 months before contract expiry.
Contract term
1 to 5 years, then renewed annually.
What to do in the event of a claim
Insured disputes must be reported to Protekta immediately.
Extras
Mobiliar customer discount: up to CHF 15, depending on existing policies.
25% discount for persons under 26 years of age
10% discount for persons aged 60 and over
Legal advice by telephone – even without a covered legal case
Mobiliar’s online legal advice guide
Pension insurance for 3 months in the event of changes to the group of insured persons
Insured persons
Individual
Policyholder
Your minor children and other co-insured persons
Authorised drivers and passengers of an insured person’s vehicle
Multi-person household
Policyholder
Persons living permanently in the same household and other co-insured persons
Authorised drivers and passengers of a vehicle belonging to an insured person
Additional insured areas of law
Consumer and contract law
Property law
Tort law
Criminal law
Revocation of licence and vehicle taxation
Social insurance law
Private insurance law
Insurance benefit
Sum insured for Switzerland/Europe: up to CHF 1’000’000
Sum insured worldwide: up to CHF 200’000
No deductible.
In covered legal cases, Protekta provides support with legal advice and the protection of interests. Covered legal costs are paid up to the agreed sum insured.
Additional uncovered costs
Procedural costs for penalty orders or orders from the Road Traffic Office are covered up to CHF 500 per calendar year.
Success fees and bankruptcy proceedings are not covered.
Geographical scope of application
Worldwide, with the exception of social insurance law.
Waiting period
0 to 3 months, depending on the field of law
Exclusions
Areas of law not listed
Deliberate criminal offences
Fines and payments of a punitive nature
Disputes arising from securities, corporate and financial investment law
Disputes relating to self-employment, insofar as they are not expressly insured
Races, rallies and similar trips
Vehicles used exclusively for commercial purposes
Driving without a valid driving licence or without a valid number plate
Serious speeding offences
Blood or drug analyses and fitness-to-drive assessments
Choice of lawyer
If a lawyer is required, the insured person may propose a lawyer. In the event of disagreement, they propose three lawyers, from which Protekta selects one.
Procedure for hopeless cases or differences of opinion
In the event of disagreements about the prospects of success or the course of action, arbitration may be requested within 20 days.
Notice period
Notice period of up to 3 months before contract expiry.
Contract term
1 to 5 years, then renewed annually.
What to do in the event of a claim
Insured disputes must be reported to Protekta immediately.
Extras
Mobiliar customer discount: up to CHF 15, depending on existing policies.
25% discount for persons under 26 years of age
10% discount for persons aged 60 and over
Legal advice by telephone – even without a covered legal case
Mobiliar’s online legal advice guide
Pension insurance for 3 months in the event of changes to the group of insured persons
Private legal protection insurance
Insured persons
Individual
Policyholder
Your minor children and other co-insured persons
Multi-person household
Policyholder
Persons living permanently in the same household and other co-insured persons
Additional insured areas of law
Consumer and contract law
Property law
Tort law
Education law
Labour law
Tenancy and leasehold law
Neighbourhood law
Legal protection for builders
Mortgage disputes
Criminal law
Patients’ rights
Social insurance law
Private insurance law
Insurance benefit
Sum insured for Switzerland/Europe: up to CHF 1’000’000
Sum insured worldwide: up to CHF 200’000
No deductible.
In covered legal cases, Protekta provides support with legal advice and the protection of interests. Covered legal costs are paid up to the agreed sum insured.
Additional uncovered costs
Employment law: full protection up to a dispute value of CHF 150’000; if the dispute value is higher, costs are covered on a pro rata basis.
Legal protection for builder-owners: up to a construction sum of CHF 200’000.
Procedural costs in penalty orders or orders from the Road Traffic Office are covered up to CHF 500 per calendar year.
Success fees and bankruptcy proceedings are not covered.
Geographical scope of application
Worldwide, with exceptions in individual areas of law.
Waiting period
0 to 3 months, depending on the field of law
Exclusions
Areas of law not listed
Deliberate criminal offences
Fines and payments of a punitive nature
Disputes relating to securities, corporate and financial investment law
Disputes relating to self-employment, insofar as they are not expressly insured
Disputes relating to the practice of sport/coaching for remuneration with an annual income of more than CHF 20’000
Choice of attorney
If a lawyer is required, the insured person may propose a lawyer. In the event of disagreement, they shall propose three lawyers, one of whom Protekta shall select.
Procedure for hopeless cases or differences of opinion
In the event of disagreements about the prospects of success or the course of action, arbitration may be requested within 20 days.
Notice period
Notice period of up to 3 months before contract expiry.
Contract term
1 to 5 years, then renewed annually.
Procedure in the event of a claim
Insured disputes must be reported to Protekta immediately.
Extras
Mobiliar customer discount: up to CHF 15, depending on existing policies.
25% discount for persons under 26 years of age
10% discount for people aged 60 and over
Legal advice by telephone – even without a covered legal case
Mobiliar’s online legal advice guide
Pension insurance for 3 months in the event of changes to the group of insured persons
Traffic legal protection
Insured persons
Individual
Policyholder
Your minor children and other co-insured persons
Authorised drivers and passengers of an insured person’s vehicle
Multi-person household
Policyholder
Persons living permanently in the same household and other co-insured persons
Authorised drivers and passengers of an insured person’s vehicle
Additional insured areas of law
Consumer and contract law
Property law
Tort law
Criminal law
Withdrawal of driving licence and vehicle taxation
Social insurance law
Private insurance law
Insurance benefit
Sum insured for Switzerland/Europe: up to CHF 1’000’000
Sum insured worldwide: up to CHF 200’000
No deductible.
In covered legal cases, Protekta provides support with legal advice and protection of interests. Covered legal costs are paid up to the agreed sum insured.
Additional uncovered costs
Procedural costs for penalty orders or orders from the Road Traffic Office are covered up to CHF 500 per calendar year.
Success fees and bankruptcy proceedings are not covered.
Geographical scope of application
Worldwide, with the exception of social insurance law.
Waiting period
0 to 3 months, depending on the field of law
Exclusions
Areas of law not listed
Deliberate criminal offences
Fines and payments of a punitive nature
Disputes arising from securities, corporate and financial investment law
Disputes relating to self-employment, insofar as they are not expressly insured
Races, rallies and similar journeys
Vehicles used exclusively for commercial purposes
Driving without a valid driving licence or without a valid number plate
Serious speeding offences
Blood or drug analyses and fitness-to-drive assessments
Choice of attorney
If an attorney is required, the insured person may propose an attorney. In the event of disagreement, they propose three attorneys, from which Protekta selects one.
Procedure for hopeless cases or differences of opinion
In the event of disagreements about the prospects of success or the course of action, arbitration may be requested within 20 days.
Notice period
Notice period up to 3 months before contract expiry.
Contract term
1 to 5 years, then renewed annually.
What to do in the event of a claim
Insured disputes must be reported to Protekta immediately.
Extras
Mobiliar customer discount: depending on existing policies, up to CHF 15.
25% discount for persons under 26 years of age
10% discount for persons aged 60 and over
Legal advice by telephone – even without a covered legal case
Mobiliar’s online legal advice guide
Pension insurance for 3 months in the event of changes to the group of insured persons
Insured persons
Individual
Policyholder
Your minor children and other co-insured persons
Multi-person household
Policyholder
Persons living permanently in the same household and other co-insured persons
Additional insured areas of law
Consumer and contract law
Property law
Tort law
Education law
Labour law
Tenancy and leasehold law
Neighbour law
Legal protection for building owners
Mortgage disputes
Criminal law
Patient rights
Social insurance law
Private insurance law
Personality rights and internet legal protection
Debt collection legal protection
Copyright law
Matrimonial law, registered partnerships and cohabitation
Inheritance law
Contract law relating to self-employed secondary activities up to annual turnover of CHF 20’000
Buying and selling real estate
Public building law
Expropriation law
Tax law
Legal advice cover
Insurance benefit
Sum insured for Switzerland/Europe: up to CHF 1’500’000
Sum insured worldwide: up to CHF 300’000
No excess.
In covered legal cases, Protekta provides support with legal advice and protection of interests. Covered legal costs are paid up to the agreed sum insured.
Additional uncovered costs
Employment law: full protection up to a disputed amount of CHF 300’000; costs covered on a pro rata basis for higher disputed amounts.
Legal protection for builders: up to a construction sum of CHF 300’000.
Several additional Comfort areas are limited to CHF 20’000, including personality rights and internet legal protection, copyright, matrimonial law, registered partnerships and cohabitation, inheritance law, buying and selling property, public construction law, expropriation law and tax law.
Legal advice cover is provided up to CHF 1’000 per calendar year.
In the case of warranty claims arising from the purchase or sale of property, consultancy costs are covered up to CHF 1’000.
Procedural costs in penalty orders or orders from the Road Traffic Office are covered up to CHF 500 per calendar year.
Success fees and bankruptcy proceedings are not covered.
Geographical scope of application
Worldwide, with exceptions in individual areas of law.
Waiting period
0 to 3 months, depending on the field of law
Exclusions
Areas of law not listed
Deliberate criminal offences
Fines and payments of a punitive nature
Disputes relating to securities, corporate and financial investment law
Disputes relating to self-employment, insofar as they are not expressly insured
Disputes relating to paid sporting activities/coaching work with an annual income of more than CHF 20’000
Choice of lawyer
If a lawyer is required, the insured person may propose a lawyer. In the event of disagreement, they shall propose three lawyers, one of whom Protekta shall select.
Procedure for hopeless cases or differences of opinion
In the event of disagreements about the prospects of success or the course of action, arbitration may be requested within 20 days.
Notice period
Notice period up to 3 months before contract expiry.
Contract term
1 to 5 years, then renewed annually.
What to do in the event of a claim
Insured disputes must be reported to Protekta immediately.
Extras
Mobiliar customer discount: up to CHF 25, depending on existing policies.
25% discount for persons under 26 years of age
10% discount for people aged 60 and over
Legal advice by telephone – even without a covered legal case
Mobiliar’s online legal advice guide
Pension insurance for 3 months in the event of changes to the group of insured persons
Insured persons
Individual
Policyholder
Your minor children and other co-insured persons
Authorised drivers and passengers of an insured person’s vehicle
Multi-person household
Policyholder
Persons living permanently in the same household and other co-insured persons
Authorised drivers and passengers of an insured person’s vehicle
Additional insured areas of law
Consumer and contract law
Property law
Liability law
Criminal law
Withdrawal of driving licence and vehicle taxation
Patients’ rights
Social insurance law
Private insurance law
Insurance benefit
Sum insured for Switzerland/Europe: up to CHF 1’500’000
Sum insured worldwide: up to CHF 300’000
No deductible.
In covered legal cases, Protekta provides support with legal advice and the protection of interests. Covered legal costs are paid up to the agreed sum insured.
Additional uncovered costs
Procedural costs in penalty orders or orders from the Road Traffic Office are covered up to CHF 500 per calendar year.
Success fees and bankruptcy proceedings are not covered.
Geographical scope of application
Worldwide, with the exception of social insurance law.
Waiting period
0 to 3 months, depending on the field of law
Exclusions
Areas of law not listed
Intentional criminal offences
Fines and payments of a punitive nature
Disputes arising from securities, corporate and financial investment law
Disputes relating to self-employment, insofar as they are not expressly insured
Races, rallies and similar journeys
Vehicles used exclusively for commercial purposes
Driving without a valid driving licence or without a valid number plate
Serious speeding offences
Blood or drug analyses and fitness-to-drive assessments
Choice of lawyer
If a lawyer is required, the insured person may propose a lawyer. In the event of disagreement, they propose three lawyers, from which Protekta selects one.
Procedure for hopeless cases or differences of opinion
In the event of disagreements about the prospects of success or the course of action, arbitration may be requested within 20 days.
Notice period
Notice period of up to 3 months before contract expiry.
Contract term
1 to 5 years, then renewed annually.
What to do in the event of a claim
Insured disputes must be reported to Protekta immediately.
Extras
Mobiliar customer discount: up to CHF 15, depending on existing policies.
25% discount for persons under 26 years of age
10% discount for persons aged 60 and over
Legal advice by telephone – even without a covered legal case
Mobiliar’s online legal guide
Provisional insurance for 3 months in the event of changes to the group of insured persons
Private legal protection
Insured persons
Individual
Policyholder
Your minor children and other co-insured persons
Multi-person household
Policyholder
Persons living permanently in the same household and other co-insured persons
Additional insured areas of law
Consumer and contract law
Property law
Tort law
Education law
Labour law
Tenancy and leasehold law
Neighbour law
Legal protection for builders
Mortgage disputes
Criminal law
Patient rights
Social insurance law
Private insurance law
Personality rights and internet legal protection
Debt collection legal protection
Copyright law
Marriage law, civil unions and cohabitation
Inheritance law
Contract law relating to self-employed part-time activities with annual turnover of up to CHF 20’000
Buying and selling property
Public construction law
Expropriation law
Tax law
Legal advice protection
Insurance benefit
Sum insured for Switzerland/Europe: up to CHF 1’500’000
Sum insured worldwide: up to CHF 300’000
No deductible.
In covered legal cases, Protekta provides support with legal advice and the protection of interests. Covered legal costs are paid up to the agreed sum insured.
Additional uncovered costs
Employment law: full protection up to a disputed amount of CHF 300’000; costs covered on a pro rata basis for higher disputed amounts.
Legal protection for builders: up to a construction sum of CHF 300’000.
Several additional Comfort areas are limited to CHF 20’000, including personality rights and Internet legal protection, copyright law, marriage law, civil unions and cohabitation, inheritance law, buying and selling property, public construction law, expropriation law and tax law.
Legal advice protection is covered up to CHF 1’000 per calendar year.
In the case of warranty claims arising from the purchase or sale of property, consultancy costs are covered up to CHF 1’000.
Procedural costs in penalty orders or orders from the Road Traffic Office are covered up to CHF 500 per calendar year.
Success fees and bankruptcy proceedings are not covered.
Geographical scope of application
Worldwide, with exceptions in individual areas of law.
Waiting period
0 to 3 months, depending on the field of law
Exclusions
Areas of law not listed
Deliberately committed criminal offences
Fines and payments of a punitive nature
Disputes relating to securities, corporate and financial investment law
Disputes relating to self-employment, insofar as they are not expressly insured
Disputes relating to the practice of sport/coaching for remuneration with an annual income of more than CHF 20’000
Choice of attorney
If a lawyer is required, the insured person may propose a lawyer. In the event of disagreement, they shall propose three lawyers, one of whom Protekta shall select.
Procedure for hopeless cases or differences of opinion
In the event of disagreements about the prospects of success or the course of action, arbitration may be requested within 20 days.
Notice period
Notice period of up to 3 months before contract expiry.
Contract term
1 to 5 years, then renewed annually.
What to do in the event of a claim
Insured disputes must be reported to Protekta immediately.
Extras
Mobiliar customer discount: up to CHF 25, depending on existing policies.
25% discount for persons under 26 years of age
10% discount for people aged 60 and over
Legal advice by telephone – even without a covered legal case
Mobiliar’s online legal advice guide
Pension insurance for 3 months in the event of changes to the group of insured persons
Traffic legal protection
Insured persons
Individual
Policyholder
Your minor children and other co-insured persons
Authorised drivers and passengers of an insured person’s vehicle
Multi-person household
Policyholder
Persons living permanently in the same household and other co-insured persons
Authorised drivers and passengers of an insured person’s vehicle
Additional insured areas of law
Consumer and contract law
Property law
Tort law
Criminal law
Withdrawal of licence and vehicle taxation
Patient rights
Social insurance law
Private insurance law
Insurance benefit
Sum insured for Switzerland/Europe: up to CHF 1’500’000
Sum insured worldwide: up to CHF 300’000
No deductible.
In covered legal cases, Protekta provides support with legal advice and protection of interests. Covered legal costs are paid up to the agreed sum insured.
Further uncovered costs
Procedural costs in penalty orders or orders from the Road Traffic Office are covered up to CHF 500 per calendar year.
Success fees and bankruptcy proceedings are not covered.
Geographical scope of application
Worldwide, with the exception of social insurance law.
Waiting period
0 to 3 months, depending on the field of law
Exclusions
Areas of law not listed
Intentional criminal offences
Fines and payments of a punitive nature
Disputes arising from securities, corporate and financial investment law
Disputes relating to self-employment, insofar as they are not expressly insured
Races, rallies and similar journeys
Vehicles used exclusively for commercial purposes
Driving without a valid driving licence or without a valid number plate
Serious speeding offences
Blood or drug analyses and fitness-to-drive assessments
Choice of attorney
If a lawyer is required, the insured person may propose a lawyer. In the event of disagreement, they propose three lawyers, from which Protekta selects one.
Procedure for hopeless cases or differences of opinion
In the event of disagreements about the prospects of success or the course of action, arbitration may be requested within 20 days.
Notice period
Notice period up to 3 months before contract expiry.
Contract term
1 to 5 years, then renewed annually.
What to do in the event of a claim
Insured disputes must be reported to Protekta immediately.
Extras
Mobiliar customer discount: up to CHF 15, depending on existing policies.
25% discount for persons under 26 years of age
10% discount for people aged 60 and over
Legal advice by telephone – even without a covered legal case
Mobiliar’s online legal advice guide
Pension insurance for 3 months in the event of changes to the group of insured persons
Information about Protekta insurance company
| Insurance carrier | Protekta Legal Protection Insurance AG |
| Head office | Bern |