If you cause damage to a third party (bodily injury or property damage), this is covered by the private liability insurance. Basic legal expenses insurance represents cover where you as the policyholder have suffered damages and now need insurance coverage to be able to assert your claim (active legal protection). This only applies, however, in the case of bodily injury or property damage.
We live in a constitutional state, which governs the coexistence among a wide variety of different people through Swiss legislation. But who can ever know all the law? On top of this, depending on the legal situation in specific cases, different decisions are made in the Federal Supreme Court.
For laypersons it is impossible to keep track of the legal possibilities. With legal expenses insurance you have the possibility of getting legal advice at all times. Hence, an expert from the relevant legal field will explain to you what the next steps are in a conflict and whether or not it makes sense to go to court, for example.
With the legal expenses insurance, high procedural costs need not prevent you from asserting your rights, because it is the insurance company that bears the risk of costs and provides benefits up to the agreed sum insured.
According to comparison portal bonus.ch, «an insurer specialising in legal protection (note: Helvetia in cooperation with Coop Rechtsschutz)(…) offers the best guarantee of optimal independence».
The legal expenses insurance for motorists can be concluded separately. The private legal expenses insurance is offered in combination with the legal expenses insurance for motorists.
The guarantee sum is the maximum amount that Helvetia will cover for each insured person and/or insured benefit.
This includes, for example, lawyers' fees, expert fees, procedural costs and court fees, compensation payments, bail to avoid custody and translation costs.
Compared to other providers of legal expenses insurance , Helvetia provides a high guarantee sum (max. CHF 500,000), whereby you have no deductible and can choose your own lawyer.
The legal advice includes the legal fields listed under «What are the differences between the various types of legal expenses insurance?».
In addition, the legal advice also covers legal fields that are not specifically insured such as, for example, in cases associated with a professional activity, property you do not live in, tax legislation, ecclesiastical law or expropriation law. However, cases relating to debt enforcement and bankruptcy law or associated with securities, financial and investment transactions, guarantees, and gambling and betting are also covered.
The insurance covers the policyholder, their spouse or cohabiting partner and any family members living in the same household.
The period of insurance coverage is determined by the time that the underlying event occurs. Legal protection is only provided if the underlying event occurs after the insurance contract takes effect and, if applicable, after the waiting period expires.
*For cases related to owner-inhabited or non-owner-inhabited properties with more than three apartments as well as holiday apartments rented out for more than two months in the year, cover is only provided for legal advice.
The insured benefits apply worldwide. However, the guarantee sum outside of Europe is reduced to CHF 50,000.