Provider overview

VCS legal protection insurance

Here you can find information on VCS 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.

VCS products

  • VCS legal protection (Personal legal protection)


    Conditions
    In order to buy this insurance, you must be a VCS member.

    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

    • 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)

    • 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

    • Collection of payment request

    • 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).

    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).

    There is no waiting period.

    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)

    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.

    Arbitration proceedings may be initiated within 20 days. Decisions made by the concordate concerning arbitral jurisdiction apply.

    Insurance protection will be terminated if the holder resigns from VCS and fails to pay for insurance.

    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.
  • VCS legal protection (Motor legal protection)


    Conditions
    In order to buy this insurance, you must be a VCS member.

    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.

    • Criminal complaint after an accident
    • Vehicle taxation
    • Vehicle contract laws: Sales, trades, loans, leases etc.

    • 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

    • Collection of an adjudicated claim

    • >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

    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.

    There is no waiting period.

    Legal matters concerning...

    • Deliberate offences or trespasses
    • The influence of alcohol or drugs (reduction of indemnification)
    • the active participation in competitions or races

    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.

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

    Insurance protection will be terminated after discontinuing membership to VCS and failure to pay insurance contributions.

    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.
  • VCS legal protection (Personal and motor legal protection)

    Personal legal protection


    Conditions
    In order to buy this insurance, you must be a VCS member.

    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

    • 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)

    • 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

    • Collection of payment request

    • 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).

    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).

    There is no waiting period.

    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)

    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.

    Arbitration proceedings may be initiated within 20 days. Decisions made by the concordate concerning arbitral jurisdiction apply.

    Insurance protection will be terminated if the holder resigns from VCS and fails to pay for insurance.

    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.

    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.

    • Criminal complaint after an accident
    • Vehicle taxation
    • Vehicle contract laws: Sales, trades, loans, leases etc.

    • 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

    • Collection of an adjudicated claim

    • >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

    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.

    There is no waiting period.

    Legal matters concerning...

    • Deliberate offences or trespasses
    • The influence of alcohol or drugs (reduction of indemnification)
    • the active participation in competitions or races

    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.

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

    Insurance protection will be terminated after discontinuing membership to VCS and failure to pay insurance contributions.

    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.


Company data of VCS

Headquarters: Basel
Premium volume 2010 in millions: 32.8
Insurance company: Orion Rechtsschutz-Versicherung AG

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

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