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.

Protekta products

  • 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 complaint following an accident
    • Patient rights law
    • Legal counsel (in matters relating to the law of persons, family law and inheritance law, and in cases relating to expropriation and public construction law: one consultation, up to CHF 500 per year)
    • Tenancy agreement law
    • Legal protection for builders
    • Property law and law of neighbours

    up to CHF 1,000,000 per case (within Switzerland and Europe)
    up to CHF 100,000 (in all other countries)

    • Collection of an awarded claim
    • Travel expenses for travelling to court proceedings abroad up to CHF 5,000
    • Translations of documents in relation to disputes of a transnational nature up to CHF 5,000
    • Cost of restoring reputation

    • 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: tort law, criminal law, private insurance law, tenancy agreement law, employment law, consumer and contract law, and patient rights law. In other legal areas, the scope of application is limited to Europe and in some cases only to Switzerland.

    Insurance cover for disputes concerning employment law, tenancy law, consumer and contract law, law of neighbours, ownership rights and co-ownership/condominium ownership begins after a 3-month qualifying period (6 months with respect to legal protection for builders), otherwise no qualifying period applies.

    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
    • Objections to building plans*, land-use planning and expropriation procedures*
    • Criminal proceedings for deliberate offences
    • Copyright*, patent, licensing, designer and brand name laws as well as competition and cartel laws
    • Disputes with home sharers or cohabiting partners (*, protection for legal advice only)
    • Debt enforcement and bankruptcy law*
    • Inheritance law*
    • Disputes involving maintenance payments (*, protection for legal advice only)
      (*included in Private Legal Protection Plus)

    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 discount of up to CHF 40 if you also have contents, cyber, motor vehicle and travel insurance with Mobiliar. Private Legal Protection Plus can be added on: Legal protection in areas like Employment Law Plus, marriage law and civil unions, inheritance law, personality rights / Internet legal protection, copyright, expropriation law, fiscal law, debt collection legal protection, public construction law and sideline self-employment.
  • Protekta (Motor legal protection)


    Individual: policyholder as owner, driver or holder of a land vehicle or watercraft including accessories and trailers, as a pedestrian in road traffic, a cyclist or a passenger of a public or private mode of transportation, as well as:

    • children in single-parent households, until the oldest child reaches the age of 16
    • authorized drivers of the vehicle of an insured person, excluding persons living in the same household as the insured person
    • passengers of a vehicle being driven by the insured person
    • beneficiaries of an insured person, if this person dies due to an insured event
    • by way of precaution, insurance for the contract type “multiple persons” comes into effect for one year from the day of marriage

    Multiple 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, holder or driver of a land vehicle or watercraft including accessories and trailers, as a pedestrian in road traffic, a cyclist or a passenger of a public or private mode of transportation, as well as:

    • authorized drivers of the vehicle of an insured person
    • passengers of a vehicle being driven by the insured person
    • beneficiaries of an insured person, if this person dies due to an insured event

    • Criminal complaint following an accident
    • Vehicle taxation
    • Vehicle contract law: disputes in connection with agreements governed by the Swiss Code of Obligations. For disputes involving vehicle contract law for a watercraft, full insurance cover applies to disputed amounts up to CHF 50,000; if the disputed amount exceeds CHF 50,000, the costs will only be covered on a pro rata basis (based on CHF 50,000 as a percentage of the disputed amount).

    Up to CHF 1,000,000 per case (within Switzerland and Europe)
    Up to CHF 100,000 (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: tort law, criminal law, private insurance law and consumer and contract law. In other legal areas, the geographical scope of application is limited to Europe and in some cases to Switzerland only.

    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 complaint following an accident
    • Patient rights law
    • Legal counsel (in matters relating to the law of persons, family law and inheritance law, and in cases relating to expropriation and public construction law: one consultation, up to CHF 500 per year)
    • Tenancy agreement law
    • Legal protection for builders
    • Property law and law of neighbours

    up to CHF 1,000,000 per case (within Switzerland and Europe)
    up to CHF 100,000 (in all other countries)

    • Collection of an awarded claim
    • Travel expenses for travelling to court proceedings abroad up to CHF 5,000
    • Translations of documents in relation to disputes of a transnational nature up to CHF 5,000
    • Cost of restoring reputation

    • 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: tort law, criminal law, private insurance law, tenancy agreement law, employment law, consumer and contract law, and patient rights law. In other legal areas, the scope of application is limited to Europe and in some cases only to Switzerland.

    Insurance cover for disputes concerning employment law, tenancy law, consumer and contract law, law of neighbours, ownership rights and co-ownership/condominium ownership begins after a 3-month qualifying period (6 months with respect to legal protection for builders), otherwise no qualifying period applies.

    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
    • Objections to building plans*, land-use planning and expropriation procedures*
    • Criminal proceedings for deliberate offences
    • Copyright*, patent, licensing, designer and brand name laws as well as competition and cartel laws
    • Disputes with home sharers or cohabiting partners (*, protection for legal advice only)
    • Debt enforcement and bankruptcy law*
    • Inheritance law*
    • Disputes involving maintenance payments (*, protection for legal advice only)
      (*included in Private Legal Protection Plus)

    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 discount of up to CHF 40 if you also have contents, cyber, motor vehicle and travel insurance with Mobiliar. Private Legal Protection Plus can be added on: Legal protection in areas like Employment Law Plus, marriage law and civil unions, inheritance law, personality rights / Internet legal protection, copyright, expropriation law, fiscal law, debt collection legal protection, public construction law and sideline self-employment.

    Motor legal protection


    Individual: policyholder as owner, driver or holder of a land vehicle or watercraft including accessories and trailers, as a pedestrian in road traffic, a cyclist or a passenger of a public or private mode of transportation, as well as:

    • children in single-parent households, until the oldest child reaches the age of 16
    • authorized drivers of the vehicle of an insured person, excluding persons living in the same household as the insured person
    • passengers of a vehicle being driven by the insured person
    • beneficiaries of an insured person, if this person dies due to an insured event
    • by way of precaution, insurance for the contract type “multiple persons” comes into effect for one year from the day of marriage

    Multiple 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, holder or driver of a land vehicle or watercraft including accessories and trailers, as a pedestrian in road traffic, a cyclist or a passenger of a public or private mode of transportation, as well as:

    • authorized drivers of the vehicle of an insured person
    • passengers of a vehicle being driven by the insured person
    • beneficiaries of an insured person, if this person dies due to an insured event

    • Criminal complaint following an accident
    • Vehicle taxation
    • Vehicle contract law: disputes in connection with agreements governed by the Swiss Code of Obligations. For disputes involving vehicle contract law for a watercraft, full insurance cover applies to disputed amounts up to CHF 50,000; if the disputed amount exceeds CHF 50,000, the costs will only be covered on a pro rata basis (based on CHF 50,000 as a percentage of the disputed amount).

    Up to CHF 1,000,000 per case (within Switzerland and Europe)
    Up to CHF 100,000 (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: tort law, criminal law, private insurance law and consumer and contract law. In other legal areas, the geographical scope of application is limited to Europe and in some cases to Switzerland only.

    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
Insurance company: Protekta Rechtsschutz-Versicherung AG

All information subject to change. © by comparis.ch AG

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