smile.direct legal protection insurance
Products from smile.direct
Insured persons
Individual: Insurance holder
Family: Insurance holder, his/her spouse or live-in partner as well as other relatives living in the same household
Other insured legal areas
Tenants' rights (for tenants)
Property rights
Legal advice for all other legal disputes (one advice session per calendar year)
Benefits
Up to CHF 250,000 per case and CHF 30,000 (outside of Switzerland)
Fines and bail money (advance): within the extent of provided protection
Ownership laws up to CHF 500
Legal advice up to CHF 500
Legal matters concerning rights to indemnity, insurance, rent, contracts other than those for legal protection: Amount in dispute must be at least CHF 300
Additionally covered costs
Fees for verdicts and written documents involving tickets and administration procedures
Other uncovered costs
Fees
Translation costs
Geographical limitations
The insurance applies to claims in Europe.
Waiting period
Insurance protection begins after a waiting period of 3 months, except for legal issues concerning compensation for damages and criminal proceedings as well as disputes with insurances, health insurances or pension funds concerning accident (compensation for damages).
Exclusions
Legal cases concerning...
Labour laws if the insurance holder is a member of management or an executive board member or is a professional athlete or coach
Conflicts involving the paid execution of sports
Criminal complaints against third parties
Criminal defence for deliberate offences: costs covered only after acquittal
Debt enforcement and bankruptcy laws (only legal protection for consultation)
Cases involving self-inhabited property with over three apartments or property not inhabited by oneself as well as holiday flats which are rented out for more than two months per year (only legal protection for consultation).
Conflicts with live-in partners: conflicts between married or unmarried partners are insured within the framework of legal protection for consultation (one-time consultation per case).
Inheritance laws (only legal protection for consultation)
Conflicts involving alimony (only legal protection for consultation)
Conflicts on the Internet: Copyright, naming and trademark laws as well as credit card fraud
Choice of legal representative
If it is proven necessary to consult a lawyer, the insurance holder may choose a legal representative freely. The insurance however has the right to refuse a suggested lawyer. The insurance holder may then suggest 3 law offices from which one has to be chosen. Before assigning a lawyer, the approval as well as cost approval must be obtained from Coop legal insurance.
Procedures in case of futility or differences in opinion
Arbitration proceedings may be initiated. The regulations for arbitration in the Swiss code of civil procedure apply.
Notice of cancellation
Notice of termination must be handed in at least one month before contract is due to expire.
Contract term
According to contract duration as stated in the insurance policy. Minimum contract duration is 1 year.
Action in case of a claim
The insurer must be notified immediately, in writing if requested.
Insured persons
Individual: Insurance holder as owner, driver or holder of a vehicle, as a pedestrian, bicyclist, moped driver and passenger of any kind of transportation.
Family: Insurance holder, his/her married or unmaaried partner living in the same household and other family members living in the same household as vehicle owners, drivers or holders of a vehicle, as pedestrians, bicyclists, moped drivers and passengers of any kind of transportation.
Insured vehicles:
Motor vehicles matriculated in the name of an insured individual (including replacement vehicles if applicable)
Water vehicles matriculated in the name of an insured invidual in Switzerland and stationed within the country
Motor vehicles rented by an insured individual
Benefits
Up to CHF 250,000 per case and CHF 30,000 (outside of Switzerland)
Fines and bail money (advance): within the extent of provided protection
Legal advice up to CHF 500
Legal matters concerning rights to indemnity, insurance: Amount in dispute must be at least CHF 300
Additionally covered costs
Fees for verdicts and written documents involving tickets and administration procedures
Other uncovered costs
Fees
Translation costs
Blood alcohol and drug tests
Geographical limitations
The insurance applies to claims in Europe.
Waiting period
Insurance protection for contractual disputes concerning insured vehicles as well as legal disputes with insurances, health insurances or pension funds begins after a waiting period of 3 months.
Exclusions
Legal matters concerning...
Criminal defence for deliberate legal trespasses: costs are covered only upon acquittal
Criminal complaint against third parties
Active participation in races or competitions (only legal protection for consultation)
Neglect to comply with parking or stopping regulations: covered within the scope of criminal law given the incident was unintentional
Incidents occurring under the influence of alcohol or drugs: covered within the scope of criminal law providing occurrents was not deliberate
Gross negligence: benefits will be reduced
Choice of legal representative
If it is proven necessary to consult a lawyer, the insurance holder may choose a legal representative freely. The insurance however has the right to refuse a suggested lawyer. The insurance holder may then suggest 3 law offices from which one has to be chosen. Before assigning a lawyer, the approval as well as cost approval must be obtained from Coop legal insurance.
Procedures in case of futility or differences in opinion
Arbitration proceedings may be initiated. The regulations for arbitration in the Swiss code of civil procedure apply.
Notice of cancellation
Notice of termination must be handed in at least one month before contract is due to expire.
Contract term
According to contract duration as stated in the insurance policy. Minimum contract duration is 1 year.
Action in case of a claim
The insurer must be notified immediately, in writing if requested.
Personal legal protection
Insured persons
Individual: Insurance holder
Family: Insurance holder, his/her spouse or live-in partner as well as other relatives living in the same household
Other insured legal areas
Tenants' rights (for tenants)
Property rights
Legal advice for all other legal disputes (one advice session per calendar year)
Benefits
Up to CHF 250,000 per case and CHF 30,000 (outside of Switzerland)
Fines and bail money (advance): within the extent of provided protection
Ownership laws up to CHF 500
Legal advice up to CHF 500
Legal matters concerning rights to indemnity, insurance, rent, contracts other than those for legal protection: Amount in dispute must be at least CHF 300
Additionally covered costs
Fees for verdicts and written documents involving tickets and administration procedures
Other uncovered costs
Fees
Translation costs
Geographical limitations
The insurance applies to claims in Europe.
Waiting period
Insurance protection begins after a waiting period of 3 months, except for legal issues concerning compensation for damages and criminal proceedings as well as disputes with insurances, health insurances or pension funds concerning accident (compensation for damages).
Exclusions
Legal cases concerning...
Labour laws if the insurance holder is a member of management or an executive board member or is a professional athlete or coach
Conflicts involving the paid execution of sports
Criminal complaints against third parties
Criminal defence for deliberate offences: costs covered only after acquittal
Debt enforcement and bankruptcy laws (only legal protection for consultation)
Cases involving self-inhabited property with over three apartments or property not inhabited by oneself as well as holiday flats which are rented out for more than two months per year (only legal protection for consultation).
Conflicts with live-in partners: conflicts between married or unmarried partners are insured within the framework of legal protection for consultation (one-time consultation per case).
Inheritance laws (only legal protection for consultation)
Conflicts involving alimony (only legal protection for consultation)
Conflicts on the Internet: Copyright, naming and trademark laws as well as credit card fraud
Choice of legal representative
If it is proven necessary to consult a lawyer, the insurance holder may choose a legal representative freely. The insurance however has the right to refuse a suggested lawyer. The insurance holder may then suggest 3 law offices from which one has to be chosen. Before assigning a lawyer, the approval as well as cost approval must be obtained from Coop legal insurance.
Procedures in case of futility or differences in opinion
Arbitration proceedings may be initiated. The regulations for arbitration in the Swiss code of civil procedure apply.
Notice of cancellation
Notice of termination must be handed in at least one month before contract is due to expire.
Contract term
According to contract duration as stated in the insurance policy. Minimum contract duration is 1 year.
Action in case of a claim
The insurer must be notified immediately, in writing if requested.
Motor legal protection
Insured persons
Individual: Insurance holder as owner, driver or holder of a vehicle, as a pedestrian, bicyclist, moped driver and passenger of any kind of transportation.
Family: Insurance holder, his/her married or unmaaried partner living in the same household and other family members living in the same household as vehicle owners, drivers or holders of a vehicle, as pedestrians, bicyclists, moped drivers and passengers of any kind of transportation.
Insured vehicles:
Motor vehicles matriculated in the name of an insured individual (including replacement vehicles if applicable)
Water vehicles matriculated in the name of an insured invidual in Switzerland and stationed within the country
Motor vehicles rented by an insured individual
Benefits
Up to CHF 250,000 per case and CHF 30,000 (outside of Switzerland)
Fines and bail money (advance): within the extent of provided protection
Legal advice up to CHF 500
Legal matters concerning rights to indemnity, insurance: Amount in dispute must be at least CHF 300
Additionally covered costs
Fees for verdicts and written documents involving tickets and administration procedures
Other uncovered costs
Fees
Translation costs
Blood alcohol and drug tests
Geographical limitations
The insurance applies to claims in Europe.
Waiting period
Insurance protection for contractual disputes concerning insured vehicles as well as legal disputes with insurances, health insurances or pension funds begins after a waiting period of 3 months.
Exclusions
Legal matters concerning...
Criminal defence for deliberate legal trespasses: costs are covered only upon acquittal
Criminal complaint against third parties
Active participation in races or competitions (only legal protection for consultation)
Neglect to comply with parking or stopping regulations: covered within the scope of criminal law given the incident was unintentional
Incidents occurring under the influence of alcohol or drugs: covered within the scope of criminal law providing occurrents was not deliberate
Gross negligence: benefits will be reduced
Choice of legal representative
If it is proven necessary to consult a lawyer, the insurance holder may choose a legal representative freely. The insurance however has the right to refuse a suggested lawyer. The insurance holder may then suggest 3 law offices from which one has to be chosen. Before assigning a lawyer, the approval as well as cost approval must be obtained from Coop legal insurance.
Procedures in case of futility or differences in opinion
Arbitration proceedings may be initiated. The regulations for arbitration in the Swiss code of civil procedure apply.
Notice of cancellation
Notice of termination must be handed in at least one month before contract is due to expire.
Contract term
According to contract duration as stated in the insurance policy. Minimum contract duration is 1 year.
Action in case of a claim
The insurer must be notified immediately, in writing if requested.
Insured persons
Individual: Insurance holder
Family: Insurance holder, his/her spouse or live-in partner as well as other relatives living in the same household
Other insured legal areas
Tenancy rights (for tenant and landlord)
Neighbouring rights
Property rights
Legal advice for all other legal disputes (one advice session per calendar year)
Benefits
Up to CHF 300,000 per case (worldwide), CHF 30,000 (outside of Europe, incl. USA/Canada)
Fines and bail money (advance): within the extent of this guarantee sum
Neighbouring laws up to CHF 3,000.-
Ownership laws up to CHF 3,000.-
Planning and building laws up to CHF 3,000.-
Trademark, naming and copyright laws up to CHF 3,000.-
Legal advice in all other matters up to CHF 500.-
Legal matters concerning compensation for damages, insurance law, labour law, tenancy law (tenant and landlord), other contractual laws: amount in dispute must be at least CHF 300.-
Additionally covered costs
Fees for verdicts and written documents involving tickets and administration procedures
Translation costs up to CHF 3,000.-
Other uncovered costs
Fees
Geographical limitations
Globally. The benefits, however, are limited to a maximum of CHF 30,000 per claim, if legal venue or applicable law are outside the EU/EFTA (incl. USA/ Canada).
Waiting period
Insurance protection begins after a waiting period of 3 months, except for legal issues concerning compensation for damages and criminal proceedings as well as disputes with insurances, health insurances or pension funds concerning accident (compensation for damages).
Exclusions
Legal cases concerning...
Labour laws if the insurance holder is a member of management or an executive board member or is a professional athlete or coach
Conflicts involving the paid execution of sports
Criminal complaints against third parties
Criminal defence for deliberate offences: costs covered only after acquittal
Debt enforcement and bankruptcy laws (only legal protection for consultation)
Cases involving self-inhabited property with over three apartments or property not inhabited by oneself as well as holiday flats which are rented out for more than two months per year (only legal protection for consultation).
Conflicts with live-in partners: conflicts between married or unmarried partners are insured within the framework of legal protection for consultation (one-time consultation per case).
Inheritance laws (only legal protection for consultation)
Conflicts involving alimony (only legal protection for consultation)
Choice of legal representative
If it is proven necessary to consult a lawyer, the insurance holder may choose a legal representative freely. The insurance however has the right to refuse a suggested lawyer. The insurance holder may then suggest 3 law offices from which one has to be chosen. Before assigning a lawyer, the approval as well as cost approval must be obtained from Coop legal insurance.
Procedures in case of futility or differences in opinion
Arbitration proceedings may be initiated. The regulations for arbitration in the Swiss code of civil procedure apply.
Notice of cancellation
Notice of termination must be handed in at least one month before contract is due to expire.
Insured persons
Individual: Insurance holder as owner, driver or holder of a vehicle, as a pedestrian, bicyclist, moped driver and passenger of any kind of transportation.
Family: Insurance holder, his/her married or unmaaried partner living in the same household and other family members living in the same household as vehicle owners, drivers or holders of a vehicle, as pedestrians, bicyclists, moped drivers and passengers of any kind of transportation.
Insured vehicles:
Motor vehicles matriculated in the name of an insured individual (including replacement vehicles if applicable)
Water vehicles matriculated in the name of an insured invidual in Switzerland and stationed within the country
Motor vehicles rented by an insured individual
Benefits
Up to CHF 300,000 per case (worldwide), CHF 30,000 (outside Europe)
Fines and bail money (advance): within the framework of this guarantee sum
Contractual laws up to CHF 3,000.- Legal advice in all other matters up to CHF 500.-
Personal legal protection
Insured persons
Individual: Insurance holder
Family: Insurance holder, his/her spouse or live-in partner as well as other relatives living in the same household
Other insured legal areas
Tenancy rights (for tenant and landlord)
Neighbouring rights
Property rights
Legal advice for all other legal disputes (one advice session per calendar year)
Benefits
Up to CHF 300,000 per case (worldwide), CHF 30,000 (outside of Europe, incl. USA/Canada)
Fines and bail money (advance): within the extent of this guarantee sum
Neighbouring laws up to CHF 3,000.-
Ownership laws up to CHF 3,000.-
Planning and building laws up to CHF 3,000.-
Trademark, naming and copyright laws up to CHF 3,000.-
Legal advice in all other matters up to CHF 500.-
Legal matters concerning compensation for damages, insurance law, labour law, tenancy law (tenant and landlord), other contractual laws: amount in dispute must be at least CHF 300.-
Additionally covered costs
Fees for verdicts and written documents involving tickets and administration procedures
Translation costs up to CHF 3,000.-
Other uncovered costs
Fees
Geographical limitations
Globally. The benefits, however, are limited to a maximum of CHF 30,000 per claim, if legal venue or applicable law are outside the EU/EFTA (incl. USA/ Canada).
Waiting period
Insurance protection begins after a waiting period of 3 months, except for legal issues concerning compensation for damages and criminal proceedings as well as disputes with insurances, health insurances or pension funds concerning accident (compensation for damages).
Exclusions
Legal cases concerning...
Labour laws if the insurance holder is a member of management or an executive board member or is a professional athlete or coach
Conflicts involving the paid execution of sports
Criminal complaints against third parties
Criminal defence for deliberate offences: costs covered only after acquittal
Debt enforcement and bankruptcy laws (only legal protection for consultation)
Cases involving self-inhabited property with over three apartments or property not inhabited by oneself as well as holiday flats which are rented out for more than two months per year (only legal protection for consultation).
Conflicts with live-in partners: conflicts between married or unmarried partners are insured within the framework of legal protection for consultation (one-time consultation per case).
Inheritance laws (only legal protection for consultation)
Conflicts involving alimony (only legal protection for consultation)
Choice of legal representative
If it is proven necessary to consult a lawyer, the insurance holder may choose a legal representative freely. The insurance however has the right to refuse a suggested lawyer. The insurance holder may then suggest 3 law offices from which one has to be chosen. Before assigning a lawyer, the approval as well as cost approval must be obtained from Coop legal insurance.
Procedures in case of futility or differences in opinion
Arbitration proceedings may be initiated. The regulations for arbitration in the Swiss code of civil procedure apply.
Notice of cancellation
Notice of termination must be handed in at least one month before contract is due to expire.
Motor legal protection
Insured persons
Individual: Insurance holder as owner, driver or holder of a vehicle, as a pedestrian, bicyclist, moped driver and passenger of any kind of transportation.
Family: Insurance holder, his/her married or unmaaried partner living in the same household and other family members living in the same household as vehicle owners, drivers or holders of a vehicle, as pedestrians, bicyclists, moped drivers and passengers of any kind of transportation.
Insured vehicles:
Motor vehicles matriculated in the name of an insured individual (including replacement vehicles if applicable)
Water vehicles matriculated in the name of an insured invidual in Switzerland and stationed within the country
Motor vehicles rented by an insured individual
Benefits
Up to CHF 300,000 per case (worldwide), CHF 30,000 (outside Europe)
Fines and bail money (advance): within the framework of this guarantee sum
Contractual laws up to CHF 3,000.- Legal advice in all other matters up to CHF 500.-
Information about smile.direct insurance company
| Insurance carrier | Coop Rechtsschutz AG in Aarau |
| Head office | Wallisellen |