Provider overview

smile.direct legal protection insurance

Here you can find information on smile.direct 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.

smile.direct products

  • smile.legal clever (Personal legal protection)


    Individual: Insurance holder

    Family: Insurance holder, his/her spouse or live-in partner as well as other relatives living in the same household


    • Tenants' rights (for tenants)
    • Property rights
    • Legal advice for all other legal disputes (one advice session per calendar year)

    • 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

    • Fees for verdicts and written documents involving tickets and administration procedures

    • Fees
    • Translation costs

    The insurance applies to claims in Europe.

    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).

    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

    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.

    Arbitration proceedings may be initiated. The regulations for arbitration in the Swiss code of civil procedure apply.

    Notice of termination must be handed in at least one month before contract is due to expire.

    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.
  • smile.legal clever (Motor legal protection)


    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

    • 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

    • Fees for verdicts and written documents involving tickets and administration procedures

    • Fees
    • Translation costs
    • Blood alcohol and drug tests

    The insurance applies to claims in Europe.

    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.

    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

    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.

    Arbitration proceedings may be initiated. The regulations for arbitration in the Swiss code of civil procedure apply.

    Notice of termination must be handed in at least one month before contract is due to expire.

    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.
  • smile.legal clever (Personal and motor legal protection)

    Personal legal protection


    Individual: Insurance holder

    Family: Insurance holder, his/her spouse or live-in partner as well as other relatives living in the same household


    • Tenants' rights (for tenants)
    • Property rights
    • Legal advice for all other legal disputes (one advice session per calendar year)

    • 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

    • Fees for verdicts and written documents involving tickets and administration procedures

    • Fees
    • Translation costs

    The insurance applies to claims in Europe.

    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).

    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

    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.

    Arbitration proceedings may be initiated. The regulations for arbitration in the Swiss code of civil procedure apply.

    Notice of termination must be handed in at least one month before contract is due to expire.

    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


    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

    • 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

    • Fees for verdicts and written documents involving tickets and administration procedures

    • Fees
    • Translation costs
    • Blood alcohol and drug tests

    The insurance applies to claims in Europe.

    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.

    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

    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.

    Arbitration proceedings may be initiated. The regulations for arbitration in the Swiss code of civil procedure apply.

    Notice of termination must be handed in at least one month before contract is due to expire.

    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.
  • smile.legal premium (Personal legal protection)


    Individual: Insurance holder

    Family: Insurance holder, his/her spouse or live-in partner as well as other relatives living in the same household


    • Tenancy rights (for tenant and landlord)
    • Neighbouring rights
    • Property rights
    • Legal advice for all other legal disputes (one advice session per calendar year)

    • 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.-

    • Fees for verdicts and written documents involving tickets and administration procedures
    • Translation costs up to CHF 3,000.-


    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).

    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).

    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)

    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.

    Arbitration proceedings may be initiated. The regulations for arbitration in the Swiss code of civil procedure apply.

    Notice of termination must be handed in at least one month before contract is due to expire.
  • smile.legal premium (Motor legal protection)


    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

    • 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.-
    • Compensation for damage laws, contractual laws and insurance laws: minimum amount in dispute CHF 300.-

    • Fees for verdicts and written documents involving tickets and administration procedures
    • Charges
    • Translation costs

    • Blood alcohol and drug tests

    Worldwide. The benefits for claims outside Europe are limited to at most CHF 30,000.-.

    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.

    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

    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.

    Arbitration proceedings may be initiated. The regulations for arbitration in the Swiss code of civil procedure apply.

    Notice of termination must be handed in at least one month before contract is due to expire.

    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.
  • smile.legal premium (Personal and motor legal protection)

    Personal legal protection


    Individual: Insurance holder

    Family: Insurance holder, his/her spouse or live-in partner as well as other relatives living in the same household


    • Tenancy rights (for tenant and landlord)
    • Neighbouring rights
    • Property rights
    • Legal advice for all other legal disputes (one advice session per calendar year)

    • 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.-

    • Fees for verdicts and written documents involving tickets and administration procedures
    • Translation costs up to CHF 3,000.-


    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).

    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).

    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)

    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.

    Arbitration proceedings may be initiated. The regulations for arbitration in the Swiss code of civil procedure apply.

    Notice of termination must be handed in at least one month before contract is due to expire.

    Motor legal protection


    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

    • 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.-
    • Compensation for damage laws, contractual laws and insurance laws: minimum amount in dispute CHF 300.-

    • Fees for verdicts and written documents involving tickets and administration procedures
    • Charges
    • Translation costs

    • Blood alcohol and drug tests

    Worldwide. The benefits for claims outside Europe are limited to at most CHF 30,000.-.

    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.

    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

    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.

    Arbitration proceedings may be initiated. The regulations for arbitration in the Swiss code of civil procedure apply.

    Notice of termination must be handed in at least one month before contract is due to expire.

    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.


Company data of smile.direct

Headquarters: Wallisellen
Premium volume 2010 in millions: -
Insurance carrier: Coop Rechtsschutz AG in Aarau

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

Providers of legal protection insurance compared