Provider overview

Protekta legal protection insurance

Here you can find information on Protekta 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 Protekta

  • Protekta (Personal legal protection)


    Individual: policyholder as well as

    • children up to the age of 16 if living in a single parent household
    • underage children from a previous marriage who are in the custody of the policyholder
    • underage children on vacation who live in the policyholder's household
    • beneficiaries in the case of death caused by an insured event
    • household staff and private household employees for legal cases resulting from the execution of their occupational duties
    • by way of precaution, insurance comes into effect for one year beginning the day of a wedding for the contract type of "several persons"

    Several persons: policyholder and all persons living in the same household. Apprentices and students who regularly return home for the weekend are also insured. In addition,

    • underage children from a previous marriage who are in the custody of the policyholder
    • underage children on vacation who live in the policyholder's household
    • beneficiaries in the case of death caused by an insured event
    • household staff and private household employees for legal cases resulting from the execution of their occupational duties

    • Criminal charge after accident
    • Patient law
    • Legal consultation (for matters concerning private, family and succession law as well as in cases of expropriation and public building law: one consultation, maximum of CHF 500 per year)

    up to CHF 500,000 per case (within Europe and countries bordering on the Mediterranean Sea)
    up to CHF 50,000 (in all other countries)

    • Collection of an adjudged claim
    • Travel costs to court cases abroad up to CHF 5,000.-
    • Translation of documents concerning disputes including international aspects up to CHF 5,000.-

    • Expenses and administration costs of a penalty or an administrative measure are only covered once a year at a maximum of CHF 500.-

    Worldwide insurance protection in the following legal areas: compensation law, criminal law and rent contract law. In the other legal areas, the area of applicability is limited to Europe and partly also Switzerland.

    Insurance coverage in the case of disputes concerning labour law, rental law, consumer and contract law, neighbour rights, ownership rights. Coverage for condominium ownership begins after a three-month qualifying period, otherwise no qualifying period applies.

    Legal cases concerning...

    • Labour law: only proportionally covered for disputed amounts over CHF 100,000
    • Disputes in connection with the practice of professional sports
    • Objections to building plans, land planning and dispossession procedures
    • Criminal proceedings for deliberate offences
    • Copyright, patent, licensing, designer and brand name laws as well as competition and cartel laws
    • Conflicts with live-in partners or room mates
    • Debt collection and bankruptcy laws
    • Inheritance laws (only protection for legal advice)
    • Conflicts involving payments for maintenance (only legal advice)

    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.

    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 prior to expiry of contract.

    According to contract duration as stated in insurance policy. Shortest possible duration is one year, maximum duration is 5 years.

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

    Extras/specials
    Possibility of a rebate of up to CHF 30 from Mobiliar for simultaneously possessing contents, motor vehicle and trip insurance. Private Legal Protection Plus can be added on: legal protection in the areas of individual rights / internet legal protection, spouse or registered partner, builder legal protection, public construction law and inheritance law.
  • Protekta (Motor legal protection)


    Individual person: policyholder as owner, driver or keeper of a land or water motor vehicle including accessories or trailer; also as a pedestrian in street traffic, a cyclist or a passenger of a public or private mode of transportation; as well as
    • children up to the age of 16 if living in a single parent household
    • drivers who are entitled to use a vehicle registered under the name of the policyholder, with the exception of those living in the same household
    • passengers of a vehicle being driven by the policyholder
    • beneficiaries in the case of death caused by an insured event
    • by way of precaution, insurance comes into effect for one year beginning the day of a wedding for the contract type of "several persons"

    Several persons: policyholder and all persons living in the same household (apprentices and students who regularly return home for the weekend are also insured) as owner, keeper or driver of a land or water motor vehicle including accessories or trailer; also as a pedestrian in street traffic, a cyclist or a passenger of a public or private mode of transportation; as well as

    • drivers who are entitled to use a vehicle registered under the name of the policyholder
    • passengers of a vehicle being driven by the policyholder
    • beneficiaries in the case of death caused by an insured event

    • Criminal charges following accident
    • Vehicle taxation
    • Vehicle contract law: sale, exchange, loan, work contract, contract of deposit and contract of carriage. For disputes involving vehicle contract law for a water craft, full insurance coverage applies to disputed amounts up to CHF 50,000. If the disputed amount exceeds CHF 50,000, the costs will be only partially covered as a percentage from CHF 50,000 up to the total amount.

    Up to CHF 500,000 per case (within Europe and countries bordering on the Mediterranean)
    Up to CHF 50,000 (rest of the world)

    • Debt collection of acknowledged claim
    • Travel costs to court cases abroad of up to CHF 5,000.-
    • Translation of documents related to disputes with regard to places abroad up to CHF 5,000.-

    • Blood alcohol and drug analysis
    • Travel and administration costs for a mandate or administrative measures are only covered at a most of CHF 500.- once a year

    Worldwide insurance protection in the following legal areas: laws related to compensation of damages, criminal law and vehicle rental. In other legal areas, the scope of application is limited to Europe and in some cases only to Switzerland.

    Insurance protection for matters concerning vehicle contracts is only implemented after a 3-month qualifying period, otherwise there is no waiting period.

    Legal matters concerning...

    • Deliberate offences or violations
    • The active participation in competitions or races
    • Influence of alcohol or drugs

    The insurance holder may suggest the lawyer of his choice if the aid of a legal representative is deemed necessary. He will receive his assignment from Protekta themselves. If both parties involved are unable to agree upon an attorney, the policyholder may nominate 3 lawyers, one of which is then chosen by Protekta.

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

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

    Contract duration as stated in insurance policy. Duration may vary from one to five years.

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

    Personal legal protection


    Individual: policyholder as well as

    • children up to the age of 16 if living in a single parent household
    • underage children from a previous marriage who are in the custody of the policyholder
    • underage children on vacation who live in the policyholder's household
    • beneficiaries in the case of death caused by an insured event
    • household staff and private household employees for legal cases resulting from the execution of their occupational duties
    • by way of precaution, insurance comes into effect for one year beginning the day of a wedding for the contract type of "several persons"

    Several persons: policyholder and all persons living in the same household. Apprentices and students who regularly return home for the weekend are also insured. In addition,

    • underage children from a previous marriage who are in the custody of the policyholder
    • underage children on vacation who live in the policyholder's household
    • beneficiaries in the case of death caused by an insured event
    • household staff and private household employees for legal cases resulting from the execution of their occupational duties

    • Criminal charge after accident
    • Patient law
    • Legal consultation (for matters concerning private, family and succession law as well as in cases of expropriation and public building law: one consultation, maximum of CHF 500 per year)

    up to CHF 500,000 per case (within Europe and countries bordering on the Mediterranean Sea)
    up to CHF 50,000 (in all other countries)

    • Collection of an adjudged claim
    • Travel costs to court cases abroad up to CHF 5,000.-
    • Translation of documents concerning disputes including international aspects up to CHF 5,000.-

    • Expenses and administration costs of a penalty or an administrative measure are only covered once a year at a maximum of CHF 500.-

    Worldwide insurance protection in the following legal areas: compensation law, criminal law and rent contract law. In the other legal areas, the area of applicability is limited to Europe and partly also Switzerland.

    Insurance coverage in the case of disputes concerning labour law, rental law, consumer and contract law, neighbour rights, ownership rights. Coverage for condominium ownership begins after a three-month qualifying period, otherwise no qualifying period applies.

    Legal cases concerning...

    • Labour law: only proportionally covered for disputed amounts over CHF 100,000
    • Disputes in connection with the practice of professional sports
    • Objections to building plans, land planning and dispossession procedures
    • Criminal proceedings for deliberate offences
    • Copyright, patent, licensing, designer and brand name laws as well as competition and cartel laws
    • Conflicts with live-in partners or room mates
    • Debt collection and bankruptcy laws
    • Inheritance laws (only protection for legal advice)
    • Conflicts involving payments for maintenance (only legal advice)

    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.

    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 prior to expiry of contract.

    According to contract duration as stated in insurance policy. Shortest possible duration is one year, maximum duration is 5 years.

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

    Extras/specials
    Possibility of a rebate of up to CHF 30 from Mobiliar for simultaneously possessing contents, motor vehicle and trip insurance. Private Legal Protection Plus can be added on: legal protection in the areas of individual rights / internet legal protection, spouse or registered partner, builder legal protection, public construction law and inheritance law.

    Motor legal protection


    Individual person: policyholder as owner, driver or keeper of a land or water motor vehicle including accessories or trailer; also as a pedestrian in street traffic, a cyclist or a passenger of a public or private mode of transportation; as well as
    • children up to the age of 16 if living in a single parent household
    • drivers who are entitled to use a vehicle registered under the name of the policyholder, with the exception of those living in the same household
    • passengers of a vehicle being driven by the policyholder
    • beneficiaries in the case of death caused by an insured event
    • by way of precaution, insurance comes into effect for one year beginning the day of a wedding for the contract type of "several persons"

    Several persons: policyholder and all persons living in the same household (apprentices and students who regularly return home for the weekend are also insured) as owner, keeper or driver of a land or water motor vehicle including accessories or trailer; also as a pedestrian in street traffic, a cyclist or a passenger of a public or private mode of transportation; as well as

    • drivers who are entitled to use a vehicle registered under the name of the policyholder
    • passengers of a vehicle being driven by the policyholder
    • beneficiaries in the case of death caused by an insured event

    • Criminal charges following accident
    • Vehicle taxation
    • Vehicle contract law: sale, exchange, loan, work contract, contract of deposit and contract of carriage. For disputes involving vehicle contract law for a water craft, full insurance coverage applies to disputed amounts up to CHF 50,000. If the disputed amount exceeds CHF 50,000, the costs will be only partially covered as a percentage from CHF 50,000 up to the total amount.

    Up to CHF 500,000 per case (within Europe and countries bordering on the Mediterranean)
    Up to CHF 50,000 (rest of the world)

    • Debt collection of acknowledged claim
    • Travel costs to court cases abroad of up to CHF 5,000.-
    • Translation of documents related to disputes with regard to places abroad up to CHF 5,000.-

    • Blood alcohol and drug analysis
    • Travel and administration costs for a mandate or administrative measures are only covered at a most of CHF 500.- once a year

    Worldwide insurance protection in the following legal areas: laws related to compensation of damages, criminal law and vehicle rental. In other legal areas, the scope of application is limited to Europe and in some cases only to Switzerland.

    Insurance protection for matters concerning vehicle contracts is only implemented after a 3-month qualifying period, otherwise there is no waiting period.

    Legal matters concerning...

    • Deliberate offences or violations
    • The active participation in competitions or races
    • Influence of alcohol or drugs

    The insurance holder may suggest the lawyer of his choice if the aid of a legal representative is deemed necessary. He will receive his assignment from Protekta themselves. If both parties involved are unable to agree upon an attorney, the policyholder may nominate 3 lawyers, one of which is then chosen by Protekta.

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

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

    Contract duration as stated in insurance policy. Duration may vary from one to five years.

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


Company data of Protekta

Headquarters: Bern
Premium volume 2010 in millions: 63.6
Insurance company: Protekta Rechtsschutz-Versicherung AG

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