Legal protection insurance
Support in legal disputes — traffic, employment, tenancy and consumer matters.
Why this matters
A dismissal you believe is abusive, a car repair that costs twice the quote, a dispute with the property management over the service-charge statement: legal cases arise in the middle of everyday life. Without legal protection, lawyers’ and court costs quickly reaching several thousand francs are at stake – and the losing party often bears the other side’s costs as well. Many people therefore give up enforcing their rights, even though they hold good cards.
Legal protection insurance is voluntary in Switzerland but especially valuable for certain groups: tenants, employees and anyone regularly out on the roads. Important to know: conflicts that already exist or are foreseeable when you sign are not insured – the policy must be in place before the fire starts. Family policies usually cover the whole household, often including children in education.
What you get out of it
Get justice without being left to bear the costs.
Traffic, work, renting, consumer issues: the most common disputes are covered.
Legal advice by phone often included — before things escalate.
What we take care of for you
- Comparison of personal and motoring legal protection from the major providers
- Review of waiting periods and sums insured
- Combined with existing policies without duplicate cover
- Support with registering your case in the event of a dispute
The advice is free for you — we are remunerated by the insurance companies through brokerage commissions and will disclose these on request.
Tips from our consultations
What we tell our clients time and again – free of charge, even before the first meeting.
Legal protection works only for cases whose cause arises after the start of the contract, and many areas additionally carry waiting periods of a few months. If you only sign after your employer’s letter of dismissal, you walk away empty-handed. Think of the policy while everything is still calm.
Family and inheritance law, divorce or disputes around home ownership are, depending on the provider, excluded or covered on an advisory basis only. So compare not just the premium but the list of insured areas of law. That is exactly where the offers differ most.
Traffic legal protection covers you not just at the wheel but usually also on foot, on your bike and on public transport. Both modules in one policy are generally cheaper than two separate contracts. So even if you don’t own a car, don’t be too quick to drop the traffic component.
Report a looming case to the insurer before you instruct a lawyer yourself – otherwise you risk being left with the costs. Often the first piece of advice already clarifies whether proceedings are worthwhile. That spares you many a dispute before it gets expensive.