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Legal protection insurance

Please find here information on private and traffic legal protection that applies to all insurances.

Personal legal protection


Insured legal areas
  • Civil damages law
  • Criminal defence in case of negligent violation of statutory provisions
  • Insurance law (includes disputes with private insurance companies and social insurance companies, pension funds and health insurers)
  • Labour law – as an employee (note the exclusions)
  • Patient law in Switzerland
  • Other contract law
  • Legal advice insurance for certain legal areas

Coverage for matters under tenancy law, neighbour law and legal protection for owners varies. These aspects are therefore listed according to provider.


All insurance for legal protection is valid for legal prodcedures with place of jurisdiction at a minimum within Switzerland and Liechtenstein.

Covered costs
  • Lawyers' fees
  • Expert opinions
  • Court costs
  • Compensation to opposed party
  • Bail money (loan)

Uncovered costs
  • Fines
  • Indemnity
  • Costs at the expense of third persons or liability insurers

Extent of legal advice provided by the insurer. This varies depending on the provider and is therefore listed for each one separately.

The following exclusions apply to all legal protection insurance plans:

Litigation...

  • to defend against claims from damages
  • in connection with self-employment
  • in connection with the purchase and sale of securities
  • in connection with the purchase, sale or pledging of real estate and also construction, renovation or demolition (if this is subject to official authorization)
  • regarding the law on foreign nationals
  • regarding canon law
  • regarding company, associations and foundations law
  • arising from gambling or betting
  • as party involved in brawls and fights
  • in connection with war, unrest or strike
  • against the provider of legal protection insurance
  • in connection with nuclear fission or fusion, or non-ionizing radiation

Other exclusions depending on provider. The details are therefore listed according to provider.


Contract duration is as stated in the insurance policy. In most cases, the shortest possible duration is one year.

Some areas are liable to a qualifying period. This may vary depending on the provider, which is why details are listed separately.

Insurance for legal protection will usually not grant policyholders a free choice of legal representation. If it is necessary to consult a lawyer other than their own in case of pending hearings, the insurance provider will determine a representative as he sees fit. Details are therefore available from the insurer himself.

Notice of termination is listed for each provider.

No provider would give up his right to termination after legal proceedings.

Proceedings in case of differences in opinion are listed for each provider.

Procedures in case of loss
Proceedings are listed separately for each provider.

Motor legal protection


Insured legal areas
  • Right to indemnity
  • Criminal law concerning the neglect of traffic signals
  • Confiscation of license
  • Insurance laws (includes conflicts with private, health and social insurance providers as well as pension funds)
  • Laws for vehicle contracts (purchase, leases, rentals, loans, repairment)

Other areas are listed separately for each provider.


All insurance for legal protection applies to at least Switzerland and Liechtenstein.

Covered costs
  • Costs for legal representation
  • Expert opinions
  • Hearing charges
  • Court compensation to opposing party
  • Fines and bail (advance)

Uncovered costs
  • Fines
  • Compensation
  • Costs at the expense of third parties or liability insurers

The extent of coverage or legal advice for each case varies depending on the provider, which is why details are listed separately.

The following exclusions apply to all providers of legal insurance:

Legal cases concerning...

  • objections to indemnity claims
  • matters involving the unauthorized use of vehicles
  • driving withour a valid license
  • customs
  • the professional purchase or sale of vehicles
  • any matters as a participant of fights and brawls
  • connected to war, disturbances of the peace or strikes
  • against the provider of legal insurance

Further exclusions vary depending on the provider, which is why details are listed separately.


Contract duration is as stated in the insurance policy. In most cases, minimal duration is one year.

Certain legal areas are liable to a qualifying period which may vary depending on the provider. This is why details are listed separately.

Holders of insurance for legal protection are usually not allowed a free choice of legal representation. If legal proceedings require the aid of an external lawyer, the insurer will determine how to go about selecting one. This is why details are listed separately per provider.

Termination deadlines are listed separately for each provider.

No insurer would give up his right to termination after a case.

Procedures in the case of differences in opinion are listed separately for each provider.

Procedures in case of loss
Procedures are listed separately for each provider.