Legal protection insurance
It pays the lawyer, the court costs and the expert reports. Its one absolute rule: it must exist before the dispute, never after.
What it takes on
- Lawyers’ fees, in Switzerland and often across Europe.
- Court and expert costs.
- The other side’s costs if you lose.
- A legal advice line, usable without opening a case.
The waiting period
Most contracts set a waiting period — often three months — before cover applies in certain areas, notably employment and tenancy law. That is what stops people taking out cover the day after a dismissal.
A dispute that has already arisen, or one you could reasonably foresee, is never covered. It is the hardest rule in this branch and the most frequent cause of refusal.
Private or traffic?
Traffic legal protection covers disputes involving a vehicle: accidents, licence withdrawal, buying a car. Private legal protection covers the rest: tenancy, work, consumer matters, insurance, neighbours. They are sold separately or together, and many people hold one without knowing which.
What drives the price
- The areas covered: private, traffic, employment, tenancy.
- Household composition.
- The ceiling per case.
- Geographic coverage.
We show no tariffs on this page. Unlike LAMal premiums, no public register publishes prices for this branch: they depend on your profile and are calculated case by case. Quoting a figure here would be an invention.
The other branches
- Car insurance in Switzerland
- Household insurance
- Personal liability insurance
- Travel insurance
- The Swiss mortgage
- Company insurance
- Pet insurance
- Insurance after 55
- Health insurance for cross-border workers
- Swiss pension provision, the three pillars
- Death, and what it leaves behind
- Family, pregnancy and the baby
- Cyber insurance for individuals
- Getting insured when you arrive on a permit
- What is reimbursed, and what is not
- Hospital cover, from general to private
- Sport, part-funded by your insurer
- Tax and your insurance
- Banking, accounts and fees
- Personal credit and leasing
- Telecom and energy
- Pillar 3a at the bank or with an insurer
- Choosing a broker, and checking them