Legal insurance protects you against any financial consequences arising from legal disputes. This can include the payment of legal advice or assistance, or the payment of legal fees incurred as a result of going to court. There are two main types of legal protection insurance.
Private legal insurance
This insurance can cover you:
- As a tenant: e.g. if your landlord increases your rent without notice or justification.
- As an employee: e.g. against unfair dismissal or against bullying at work
- As a homeowner: e.g. when a neighbour does not respect the boundaries of your property or your tenant is refusing to pay rent
- As an internet user: e.g. unauthorised persons use your internet domain
- As a user of contractual law: e.g. there is a problem with a company with which you have a contract (e.g. a phone contract)
There are other areas in which private legal insurance can help:
- As a medical patient
- Against bullying
- Insurance law
- Tax law
- Renting a property outside of Switzerland
Road-user legal insurance
This insurance covers you for:
- vehicle contract law,
- insurance law,
- property law,
- criminal law,
- as well as confiscation of a driver’s license, including if it has been wrongly confiscated.
Cover will generally be up to 300,000 or 500,000CHF, depending on the insurance provider. Some providers offer a free choice of lawyer, while others require you to choose from an established network.
Road-user insurance will not cover you for any fines you accrue or if you have violated Swiss traffic law, for example, if you have illegally stopped or parked.
Please note: There are often waiting periods for all forms of legal insurance, so it is advisable to check the terms and conditions for each provider.