AXA Legal Protection No-Worries Package

Premium coverage
3-year minimum contract term

General

General information:

Worldwide coverage. No annual policy offered.

Insured persons:

Within the scope of individual insurance: the policyholder. Within the scope of household insurance: the policyholder and those persons who live permanently with him/her in the same household.

Coverage Switzerland:

CHF 600,000

Coverage Europe:

CHF 600,000

Coverage World:

CHF 600,000

Insurance rate (comments):

Stamp taxes of 5 percent included.

Personal legal protection - individual:

CHF 339.35

Motor legal protection - individual:

CHF 59.10

Personal & motor legal protection - individual:

CHF 378.00

Personal legal protection - family:

CHF 420.10

Motor legal protection - family:

CHF 71.20

Personal & motor legal protection - family:

CHF 484.15

Choice of legal representation:

Choice of legal representation: the insurance company has the right to reject a lawyer proposed by the insured person. The insured person may then propose three lawyers from different law firms in the relevant jurisdiction, from which the insurance company can select the lawyer to be appointed.

Termination of contract:

Both parties can terminate the contract: at the latest 3 months before the end of the contract or insurance year. After every insured event for which a claim is payable.

Contract duration:

Minimum contract duration: 3 years. The contract will automatically renew for another year unless termination notice is given 3 months in advance.
The cancellation can also expressly relate to only part of the contract (e.g. a module).

Waiting period:

No waiting period. The insurance coverage will be granted after the commencement of the insurance.

Minimum amount in dispute:

No minimum amount in dispute.

Personal legal expense coverage:

Civil damages law, Assistance to victims, Criminal law, Insurance law, Tenancy law, Property law, Labor law, Contract law, Patient law, Neighbor law

Personal legal protection (comments):

Special coverage: Property law, tax law, personal rights, expropriation law, copyright law and animal law.
Supplementary cover for renters can be taken out in addition to the Living & Daily Life module.
Supplementary cover for management functions can be taken out in addition to the Work module.

Driver legal expense coverage:

Civil damages law, Assistance to victims, Criminal law, Insurance law, Disqualification from driving, Vehicle contract law

Motor legal protection (comments):

Exclusions (examples): Disputes that involve drugs or alcohol. If the driver was not authorized to drive the vehicle. When acquiring or re-acquiring a driver’s license.

Legal protection advisory services:

Neighbor law, Marital law, Personal law, Family law, Inheritance law, Internet law, Public building law, Tax law

Legal protection advisory (comments):

Free legal hotline.

General coverage:

Lawyers' fees, Travel expenses, Court fees, Counterparty's fees, Mediation, Expert reports, Penalty order

Additional services:

Higher premium for homeowners.
Can be upgraded to the Legal Consultation Plus model for a higher premium. Inheritance law: up to 3000 francs.
Loss of salary: up to CHF 5000.
Translation and travelling expenses.
For all legal cases that happen in the same insurance year, a maximum amount insured of CHF 1,000,000 applies.