Legal protection insurance on subscription

When life doesn’t go as planned, you may find yourself involved in a legal dispute or in need of legal advice. Besides causing stress, it can also become expensive. That’s why we recommend taking out legal protection insurance. We would advise arranging legal cover for as many eventualities as possible. We therefore highly recommend the module Legal Advice PLUS. This module gives you three hours of legal advice per insurance year on all issues relating to Swiss law. 

Personal liability insurance covers you for damaging property belonging to third parties or even harming third parties. In such cases, personal liability will examine third-party claims and is therefore a kind of indirect legal protection. However, liability insurance does not cover you if you wish to assert your rights as a claimant.

Legal protection insurance is there to help when life doesn’t go as planned and you have a legal issue or find yourself involved in a dispute. The support we provide ranges from legal advice to representation in a court of law. sure legal protection insurance allows you to choose from and combine the following modules: Home & Everyday, Mobility & Travel, Health & Personal Insurance, Work, Partnership & Family, Taxes and Legal Advice PLUS. You can find more information about the various modules here and in the Terms and Conditions(opens in new tab).

The legal protection insurance covers the costs of:

• Legal advice and processing of your legal case by AXA-ARAG lawyers
  
• Appointing an external lawyer
• Proceedings before state courts and authorities
• Expert opinions
• Mediation and arbitration proceedings
• Compensation for costs of proceedings and parties’ expenses

A detailed list of all the costs covered can be found in paragraph A.5. “What is insured?" of the General Terms and Conditions (GTC)(opens in new tab).

Yes, if you specify the additional persons by name when concluding the insurance, if these persons are registered at the same address (residence certificate), and you take out multi-person insurance.

sure legal protection insurance includes a deductible of CHF 0.–.

The waiting period, also known as the qualifying period, is the amount of time you must wait after concluding insurance before some or all of your coverage comes into effect. Swisscom sure legal protection does not have a waiting period. If you conclude legal protection insurance with Swisscom sure, you are protected as of the next day. 

No. This is considered a pre-contractual event. This is a term used to describe a legal case or legal dispute whose cause occurred prior to taking out a legal protection insurance policy. For cover to apply, the triggering event and need for legal protection must arise during the insurance term. With Swisscom sure, you are insured against future legal cases from the next day after arranging the cover. However, legal protection insurance from Swisscom sure still excludes coverage for pre-contractual legal cases.

Our partner AXA-ARAG typically provides lawyers and experts to ascertain the legal position. However, in some cases it is useful to appoint an external lawyer. If the insurer considers this necessary, a suitable lawyer will be suggested to you. For more details, please see paragraph A.7. "How are the legal cases handled" of the General Terms and Conditions (GTC)(opens in new tab).