VCS legal protection insurance
Products from VCS
Conditions
In order to buy this insurance, you must be a VCS member.
Insured persons
Insurance holder as a VCS member with private legal protection; all persons living in the same household. University students and apprentices who regulary reside with the holder during weekends are also included as well as
underage children from divorced marriage when in custody of the policyholder
underage children spending holidays in the policyholder's household
in case of the death of the insurance holder, beneficiaries entitled to inheritance
household staff and employees for matters occurring during the execution of their job
Other insured legal areas
Tenancy laws (as a tenant or owner of self-inhabited property)
Ownership laws (co-ownership/floor ownership)
Neighbours' rights (as an owner of self-inhabited property)
Criminal complaints after an accident
Victim aid (compensation claims)
Legal advice (for personal, family and interitance matters: one consultation, covered for up to CHF 300 per year)
Benefits
up to CHF 250,000 per case (Europe and countries bordering on the Mediterranean), CHF 50,000 (whole world, applies only to damages and criminal law)
Mediation up to CHF 10,000 per case
bail money (advance): up to CHF 100,000 (within Europe and countries bordering on the Mediterranean); CHF 50,000 (whole world)
preliminary legal consultation by telephone
Additionally covered costs
Collection of payment request
Other uncovered costs
Translation costs (internal translation costs covered)
Transportation costs
Fees and administration costs for a fine or administrative prodedure (only if convicted for either deliberate or grossly negligent offence).
Geographical limitations
Protection applies to all of Europe and countries bordering on the Mediterranean for matters concerning insurance laws , tenancy laws and consultations for legal protection. For all other legal areas, the place of jurisdiction must be in Switzerland (incl. FL).
Waiting period
There is no waiting period.
Exclusions
Legal matters concerning...
Labour laws: only covered in part if the amount in dispute exceeds CHF 100,000
Conflicts concerning the remunerated execution of sports
Objections to building plans, land use planning and disappropriation proceedings
Criminal proceedings for deliberate offences
Patenting and copyright laws
Disputes with live-in partners
Prosecution and bankruptcy laws
Inheritance issues (consultation only)
Alimony disputes (consultation only)
Choice of legal representative
The insurance holder may propose the lawyer of his choice if external legal representation is deemed necessary. Protekta will give assignments to the chosen legal representative. Should the holder and Protekta be unable to agree upon a lawyer, the policyholder may nominate 3 lawyers, one of which is then chosen by Protekta.
Procedures in case of futility or differences in opinion
Arbitration proceedings may be initiated within 20 days. Decisions made by the concordate concerning arbitral jurisdiction apply.
Notice of cancellation
Insurance protection will be terminated if the holder resigns from VCS and fails to pay for insurance.
Contract term
Shortest possible contract duration is 6 months. Contracts will be renewed annually upon premium payment.
Action in case of a claim
The insurance provider must be informed in writing.
Conditions
In order to buy this insurance, you must be a VCS member.
Insured persons
Insurance coverage applies for the policyholder as VCS member and for all persons who live in the same household, as well as apprentices and students who return to the household regularly as weekly residence and who have their papers in the place of residence of the VCS member, in their function as
owner and driver of a land vehicle or also trailer including accessories
pedestrians or bicycle / moped drivers (including usage of all wheeled sports equipment such as roller skates, skateboards, roller skis, rollerskates, etc.), as passengers of public or private transportation
as well as the drivers who are entitled to use a land vehicle that is registered under the name of a policyholder, the passengers of a land vehicle that is driven by a policyholder as well as the persons entitled to the claims of a policyholder if that policyholder passes away after an insured event.
Other insured legal areas
Criminal complaint after an accident
Vehicle taxation
Vehicle contract laws: Sales, trades, loans, leases etc.
Benefits
up to CHF 250,000 per case (Europe and countries bordering on the Mediterranean), CHF 50,000 (whole world, applies only to damages and criminal law within accident and breakdown cover worldwide)
Bail money (advance): up to CHF 100,000 (within Europe and countries bordering on the Mediterranean Sea)
Mediation up to CHF 10,000 per case
preliminary legal consultation by telephone
Additionally covered costs
Collection of an adjudicated claim
Other uncovered costs
>Blood alcohol and drug analysis
Translation costs (internal translation costs covered)
Travel costs
Fees and administration costs for a fine or administration procedure (only for legal verdicts resulting from deliberate actions or gross negligence)
Incidents as owner/holder of professionally used vehicles
Geographical limitations
Insurance applies to courts within Europe as well as in countries bordering on the Mediterranean Sea. Exception to this rule: Confiscation of license and hearings for issues concerning vehicle contracts are only protected in Switzerland and Liechtenstein.
Waiting period
There is no waiting period.
Exclusions
Legal matters concerning...
Deliberate offences or trespasses
The influence of alcohol or drugs (reduction of indemnification)
the active participation in competitions or races
Choice of legal representative
The insurance holder may propose the lawyer of his choice should external legal representation be deemed necessary. Protekta will hand out the assignment to this representative. However, should the holder and Protekta be unable to agree upon a lawyer, the policyholder may nominate 3 lawyers, one of which is then chosen by Protekta.
Procedures in case of futility or differences in opinion
Arbitration proceedings may be initiated within 20 days. Decisions made by the concordat for arbitral jurisdiction apply.
Notice of cancellation
Insurance protection will be terminated after discontinuing membership to VCS and failure to pay insurance contributions.
Contract term
Shortest possible contract duration is 6 months, will be renewed annually if premium is paid.
Action in case of a claim
The insurer must be informed in writing as soon as possible.
Personal legal protection
Conditions
In order to buy this insurance, you must be a VCS member.
Insured persons
Insurance holder as a VCS member with private legal protection; all persons living in the same household. University students and apprentices who regulary reside with the holder during weekends are also included as well as
underage children from divorced marriage when in custody of the policyholder
underage children spending holidays in the policyholder's household
in case of the death of the insurance holder, beneficiaries entitled to inheritance
household staff and employees for matters occurring during the execution of their job
Other insured legal areas
Tenancy laws (as a tenant or owner of self-inhabited property)
Ownership laws (co-ownership/floor ownership)
Neighbours' rights (as an owner of self-inhabited property)
Criminal complaints after an accident
Victim aid (compensation claims)
Legal advice (for personal, family and interitance matters: one consultation, covered for up to CHF 300 per year)
Benefits
up to CHF 250,000 per case (Europe and countries bordering on the Mediterranean), CHF 50,000 (whole world, applies only to damages and criminal law)
Mediation up to CHF 10,000 per case
bail money (advance): up to CHF 100,000 (within Europe and countries bordering on the Mediterranean); CHF 50,000 (whole world)
preliminary legal consultation by telephone
Additionally covered costs
Collection of payment request
Other uncovered costs
Translation costs (internal translation costs covered)
Transportation costs
Fees and administration costs for a fine or administrative prodedure (only if convicted for either deliberate or grossly negligent offence).
Geographical limitations
Protection applies to all of Europe and countries bordering on the Mediterranean for matters concerning insurance laws , tenancy laws and consultations for legal protection. For all other legal areas, the place of jurisdiction must be in Switzerland (incl. FL).
Waiting period
There is no waiting period.
Exclusions
Legal matters concerning...
Labour laws: only covered in part if the amount in dispute exceeds CHF 100,000
Conflicts concerning the remunerated execution of sports
Objections to building plans, land use planning and disappropriation proceedings
Criminal proceedings for deliberate offences
Patenting and copyright laws
Disputes with live-in partners
Prosecution and bankruptcy laws
Inheritance issues (consultation only)
Alimony disputes (consultation only)
Choice of legal representative
The insurance holder may propose the lawyer of his choice if external legal representation is deemed necessary. Protekta will give assignments to the chosen legal representative. Should the holder and Protekta be unable to agree upon a lawyer, the policyholder may nominate 3 lawyers, one of which is then chosen by Protekta.
Procedures in case of futility or differences in opinion
Arbitration proceedings may be initiated within 20 days. Decisions made by the concordate concerning arbitral jurisdiction apply.
Notice of cancellation
Insurance protection will be terminated if the holder resigns from VCS and fails to pay for insurance.
Contract term
Shortest possible contract duration is 6 months. Contracts will be renewed annually upon premium payment.
Action in case of a claim
The insurance provider must be informed in writing.
Motor legal protection
Conditions
In order to buy this insurance, you must be a VCS member.
Insured persons
Insurance coverage applies for the policyholder as VCS member and for all persons who live in the same household, as well as apprentices and students who return to the household regularly as weekly residence and who have their papers in the place of residence of the VCS member, in their function as
owner and driver of a land vehicle or also trailer including accessories
pedestrians or bicycle / moped drivers (including usage of all wheeled sports equipment such as roller skates, skateboards, roller skis, rollerskates, etc.), as passengers of public or private transportation
as well as the drivers who are entitled to use a land vehicle that is registered under the name of a policyholder, the passengers of a land vehicle that is driven by a policyholder as well as the persons entitled to the claims of a policyholder if that policyholder passes away after an insured event.
Other insured legal areas
Criminal complaint after an accident
Vehicle taxation
Vehicle contract laws: Sales, trades, loans, leases etc.
Benefits
up to CHF 250,000 per case (Europe and countries bordering on the Mediterranean), CHF 50,000 (whole world, applies only to damages and criminal law within accident and breakdown cover worldwide)
Bail money (advance): up to CHF 100,000 (within Europe and countries bordering on the Mediterranean Sea)
Mediation up to CHF 10,000 per case
preliminary legal consultation by telephone
Additionally covered costs
Collection of an adjudicated claim
Other uncovered costs
>Blood alcohol and drug analysis
Translation costs (internal translation costs covered)
Travel costs
Fees and administration costs for a fine or administration procedure (only for legal verdicts resulting from deliberate actions or gross negligence)
Incidents as owner/holder of professionally used vehicles
Geographical limitations
Insurance applies to courts within Europe as well as in countries bordering on the Mediterranean Sea. Exception to this rule: Confiscation of license and hearings for issues concerning vehicle contracts are only protected in Switzerland and Liechtenstein.
Waiting period
There is no waiting period.
Exclusions
Legal matters concerning...
Deliberate offences or trespasses
The influence of alcohol or drugs (reduction of indemnification)
the active participation in competitions or races
Choice of legal representative
The insurance holder may propose the lawyer of his choice should external legal representation be deemed necessary. Protekta will hand out the assignment to this representative. However, should the holder and Protekta be unable to agree upon a lawyer, the policyholder may nominate 3 lawyers, one of which is then chosen by Protekta.
Procedures in case of futility or differences in opinion
Arbitration proceedings may be initiated within 20 days. Decisions made by the concordat for arbitral jurisdiction apply.
Notice of cancellation
Insurance protection will be terminated after discontinuing membership to VCS and failure to pay insurance contributions.
Contract term
Shortest possible contract duration is 6 months, will be renewed annually if premium is paid.
Action in case of a claim
The insurer must be informed in writing as soon as possible.
Information about VCS insurance company
| Insurance carrier | Protekta Rechtsschutz-Versicherung AG |
| Head office | Bern |