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Legal protection
Protect yourself against disputes and legal costs with tailored legal protection insurance.
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trust us
95% of our clients
recommend us
100% Free
and no commitment
Legal defence
In the event of a dispute
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Discover legal protection in video
Our expert explains everything you need to know about legal protection insurance in Switzerland.
5 min
What is legal protection insurance in Switzerland?
As a resident in Switzerland, you could face various disputes throughout your life. For example, you might buy a faulty product in a shop and be met with a refusal to refund.
Legal protection insurance can prove to be a lifeline in such situations. By covering all the costs associated with legal proceedings, it provides essential peace of mind.
Whether you initiate the legal proceedings or you are being sued, this insurance protects you by covering the costs generated by the dispute.
What are the different types of legal protection?
Legal protection insurance offers extensive coverage for different types of disputes:
- • Traffic legal protection: protects you in the event of a road-traffic dispute, whether you are a driver, passenger or vehicle owner.
- • Business legal protection: covers you in the event of a dispute related to your professional activity, with a client, an employee or over equipment-purchase matters.
- • Private legal protection: concerns disputes under private law: consumer matters, employment, matrimonial law, neighbourhood, tenancy, etc.
Good to know: For private and traffic legal protection, you can opt for individual or family cover.
What guarantees are offered?
Covered
- ✓ Legal costs, such as lawyer's fees
- ✓ Legal advice to guide you through your steps
- ✓ Support from a professional during proceedings
- ✓ Legal protection abroad if necessary
- ✓ Advance of criminal bail to avoid imprisonment
- ✓ The opposing party's procedural costs if you lose
- ✓ Free choice of your lawyer for the legal proceedings
Not covered
- ✗ Disputes against your own legal protection insurer
- ✗ Coverage exclusions for intentionally committed offences
Good to know: Your contract may include coverage exclusions. Before subscribing, make sure to carefully check these exclusions and any waiting period.
How much does legal protection insurance cost?
Premiums generally range between CHF 150 and 400 per year depending on the extent of coverage and the options chosen. Compare offers to find the best value for money.
Why should you have legal protection insurance?
- • With legal protection insurance, you make significant savings. The costs related to a dispute can quickly add up. All lawyer's fees are covered.
- • More efficient dispute management: with legal protection, you benefit from advice and support from professionals.
Please note: the waiting period is generally 3 months, and legal protection will not cover you for disputes that occurred beforehand.
Commitment and termination of a contract
The ability to terminate legal protection insurance depends on the insurer and the specific terms of each contract. As a rule, contracts are annual and renew automatically.
To terminate, you generally need to respect a 3-month notice period before the contract's expiry date. Termination must be done by registered letter.
Optimis's top 10 tips for choosing your legal protection
- Research the different insurers using comparators.
- Carefully check the guarantees and exclusions of each contract.
- Examine the insurer's reputation and financial strength.
- Carefully compare the rates of legal protection insurance.
- Favour contracts offering free choice of lawyers.
- Check whether you don't already have legal protection in another contract.
- Take into account the waiting periods and termination terms.
- Make sure that the specific disputes that concern you are included.
- Ask people around you for recommendations or check online reviews.
- Precisely determine the type of contract you need.
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