Visana legal protection insurance

Products from Visana

Insured persons

Individual: Insurance holder
Familiy: Two adults and unlimited number of children under 18 (if only supplementary health insurance has been taken out with Visana, max. two children)

Other insured legal areas

  • Criminal charge after accident

  • Legal consultation (for matters concerning private, family and succession law: one consultation, maximum of CHF 500 per year)

  • Personality rights / Internet legal protection (max. CHF 10,000 per claim)

  • Legal protection for builders (up to a construction sum of CHF 100,000)

  • Copyright law (max. CHF 10,000 per claim)

  • Administrative fees (max. CHF 300 per year)

Benefits

  • up to CHF 500,000 per case (within Europe and countries bordering on the Mediterranean Sea), up to CHF 100,000 (in all other countries)

  • Money for bail (advance): up to CHF 500,000 (within Europe and countries bordering on the Mediterranean Sea), up to CHF 100,000 (in all other countries)

Insured persons

Individual: Insured person as owner, driver or keeper of a motor vehicle or trailer including accessories as well as pedestrian, cyclist or passenger of a public or private means of transportation
Family: Two adults and unlimited number of children up to 18 years of age as owner, driver or keeper of a motor vehicle or trailer including accessories as well as pedestrian, cyclist or passenger of a public or private means of transportation (if only supplementary health insurance has been taken out with Visana, max. two children)

Other insured legal areas

  • Criminal charges following accident

  • Vehicle taxation

  • Vehicle contract law: purchase, sale, exchange, lease, lending, escrow contract as well as rental contract

  • Owner, driver or holder of a watercraft (max. CHF 500,000 per claim)

Benefits

Up to CHF 500,000 per case (within Europe and countries bordering on the Mediterranean)
Up to CHF 100,000 (rest of the world)
Mediation up to CHF 500,000 per case (Europe) and up to CHF 100,000 per case (rest of the world)

Additionally covered costs

  • Collection of an awarded claim

  • The costs and fees listed in an order from criminal or administrative authorities, once only and up to CHF 300 per calendar year.

Other uncovered costs

  • Blood alcohol and drug analyses

  • Fines

Geographical limitations

Worldwide insurance cover in the following fields of law: tort law and criminal law.

In the following fields of law, the geographical scope of application is limited to Europe:

  • Social insurance law

  • Private insurance law

  • Driving licence suspension and vehicle taxation

  • Vehicle contract law

Waiting period

Insurance protection for matters concerning vehicle contracts is only implemented after a 3-month qualifying period, otherwise there is no waiting period.

Exclusions

Legal cases concerning...

  • Deliberate offences or violations

  • Active participation in competitions or races

  • Disputes between people of the same household

  • Defence against liability claims

  • Incidents as owner/holder of commercial vehicles

Choice of legal representative

If a lawyer must be consulted, the insurance holder may suggest a lawyer whose office lies within the area of jurisdiction of the court responsible for the case. Protekta will then assign the chosen lawyer. Should the policyholder and Protekta be unable to agree on 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 arbitrary jurisdiction apply.

Notice of cancellation

Notice of termination must be handed in at least 3 months before contract is due to lapse.

Contract term

According to contract duration as stated in insurance policy. Shortest possible duration is one year.

Action in case of a claim

The insurer must be notified in writing.

Personal legal protection

Insured persons

Individual: Insurance holder
Familiy: Two adults and unlimited number of children under 18 (if only supplementary health insurance has been taken out with Visana, max. two children)

Other insured legal areas

  • Criminal charge after accident

  • Legal consultation (for matters concerning private, family and succession law: one consultation, maximum of CHF 500 per year)

  • Personality rights / Internet legal protection (max. CHF 10,000 per claim)

  • Legal protection for builders (up to a construction sum of CHF 100,000)

  • Copyright law (max. CHF 10,000 per claim)

  • Administrative fees (max. CHF 300 per year)

Benefits

  • up to CHF 500,000 per case (within Europe and countries bordering on the Mediterranean Sea), up to CHF 100,000 (in all other countries)

  • Money for bail (advance): up to CHF 500,000 (within Europe and countries bordering on the Mediterranean Sea), up to CHF 100,000 (in all other countries)

Compare premiums

Product details of Visana

Insurance carrier

Protekta Rechtsschutz-Versicherung AG

Head office

Bern

Overview of Swiss legal protection insurance

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