The Swiss legal insurance comparison on moneyland.ch is the most comprehensive in Switzerland and accounts for coverage in addition to costs. Compare legal insurance now and get free quotes
The data is updated regularly. Last updated: September 17, 2024.
Three simple steps: This is how the legal insurance comparison works
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Select the type of legal insurance you need. Choose whether you need legal insurance for an individual or a household.
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Filter and sort to find the right legal insurance and compare insurance premiums. The comparison also accounts for discounts.
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Request free insurance quotes for the legal insurance you need directly online from the comparison.
Legal Insurance Questions and Answers
There is no one legal insurance which is best in every case. Which insurance is best for you depends on your specific situation. It also depends on the hazards that you want to insure yourself against. The right insurance for you is the insurance which provides the coverage you need at the lowest possible price.
The legal insurance comparison on moneyland.ch lets you easily compare all Swiss legal insurance offers based on the coverage they provide and on insurance premiums.
The legal insurance comparison on moneyland.ch is the most comprehensive Swiss legal insurance comparison for individual and household legal insurance.
The legal insurance comparison accounts for insurance coverage models, possible discounts, stamp taxes and possible additional membership fees.
Only insurance policies which match your criteria are included in comparison results. You can sort results based on features and costs. You can also filter results using numerous criteria.
Most insurance companies offer three different legal insurance types:
1) Personal legal insurance
2) Motorist legal insurance
3) Combined personal and motorist legal insurance.
Legal consultation coverage is generally included, but this coverage is very limited in many cases.
Some legal insurances come in a number of different models. For example, a legal insurance provider may offer standard and premium models. In this case, the premium model provides more coverage than the standard model.
Covered hazards vary between personal legal insurance offers. Personal legal insurance may cover legal costs associated with these hazards:
You can filter insurance offers based on which insurance coverages you need using the filters on the comparison results page. moneyland.ch also rates legal insurance offers based on the scope of coverage provided.
Covered hazards vary between motorist legal insurance offers. Motorist legal insurance may cover legal costs associated with these hazards:
You can filter legal insurance offers based on the coverages they provide on the results page of the legal insurance comparison. moneyland.ch also rates legal insurance offers based on the scope of coverage provided.
Coverage for legal consultation varies between legal insurance offers. Legal insurance offers may include one or more of these legal consultation coverages:
All legal insurances cover the costs of lawyer’s fees (for covered hazards), legal assessments, orders for summary punishment, court fees, and legal costs incurred by the opposing party when the court rules you are liable to cover these. But mediation fees and the cost of transportation to court cases is not covered by all policies. You can filter legal insurance offers based on the additional services provided in the legal insurance comparison.
The insurance premium for personal legal insurance for an individual varies between around 150 and 400 francs per year, depending on the insurer and coverage.
For individual adults, motorist legal insurance is typically much cheaper than personal legal insurance. The insurance premium for personal legal insurance varies between 50 and 300 francs, depending on the insurer and coverage.
Getting a combined personal and motorist legal insurance package is typically cheaper than getting stand-alone personal and motorist legal insurance policies from the same provider. Insurance premiums for packages range between 180 francs and over 500 francs per year, depending on the insurer and coverage.
Some insurers have discounts for young adults. Families and households pay higher premiums than individuals, but all members of the household are covered.
Comparing legal insurance premiums is worth it. The interactive Swiss legal insurance comparison on moneyland.ch makes finding the cheapest insurance for your needs quick and easy.
Some insurance providers offer discounts for adults up to the age of 25 or 30. Discounts can be as high as 25 or 30 percent. These discounts are automatically accounted for in the legal insurance comparison.
If a family has a household legal insurance policy, young adults who are part of that household are covered by that insurance.
Insurers charge higher premiums for families and other households than for individuals. But while a family may pay more for legal insurance than an individual, the per-person cost is significantly lower than that of individual legal insurance. The legal insurance comparison on moneyland.ch lets you compare the costs of family/household legal insurance offers.
Yes. A stamp duty is added to insurance premiums. Stamp duties are equal to 5% of insurance premiums, and apply to all offers. The legal insurance comparison automatically accounts for the cost of stamp duties.
Swiss legal insurance policies typically have a 3-month qualification period. That means insurance coverage only begins 3 months after you have taken out the insurance. Some insurance policies have longer qualification periods (up to 1 year) for certain types of coverage.
Some Swiss legal insurance offers have shorter qualification periods, or none at all. All qualification periods are clearly shown on the detailed information pages of offers in the legal insurance comparison on moneyland.ch.
Most Swiss legal insurance comparisons do not have a minimum claim size. But there are exceptions. Some legal insurance offers have franchise deductibles (300 or 2500 francs, for example), meaning you can only claim insurance benefits for legal incidents for which the costs exceed the minimum claim size.
Minimum claim sizes are clearly shown on the information pages of offers in the legal insurance comparison.
Most Swiss legal insurances have a minimum contract term of one year. This means you have to pay at least one annual premium.
Important: Some legal insurance offers have minimum contract terms of 3 years or even 5 years. Insurance brokers and agents often try to sell policies with long contract terms even for offers for which one-year contract terms are available. The reason for this is that sales commissions are higher for legal insurance contracts with long terms. Stick to offers with one-year insurance terms or offers which give you the option of terminating your policy each year.
Notice periods for legal insurance are typically either 1 month, 3 months or 6 months, depending on the policy. If you want to terminate your legal insurance, make sure to give the required notice. If you do not, your insurance will automatically be extended for another year. Stick to legal insurance offers which have one-year contract terms or which can be terminated on an annual basis.
Changing legal insurance is simple. Just use the legal insurance comparison to find a more suitable legal insurance and apply for the insurance of your choice. Once you have been approved for your new legal insurance, send your existing insurance provider a notice of termination. Make sure to give notice in keeping with the required notice period. If you are not sure how to word the notice of termination, we at moneyland.ch would be happy to send you a form letter on request.
Buying legal insurance just in case is not normally worth it. Legal insurance can cost up to several hundred francs per year.
Getting legal insurance can make financial sense if your situation exposes you to specific legal risks. Take time to consider what legal risks you may be exposed to, and which of these you may need to insure yourself against.
You can then use the filters in the interactive legal insurance comparison to find Swiss legal insurance offers which cover the risks you want to insure against.
If you have very specific legal hazards in mind, you should also review the terms and conditions of legal insurance offers which you are considering. This will help you understand the exact terms, conditions, and possible exclusions associated with the coverage you need.
With Swiss legal insurance policies, coverage varies depending on where the legal costs are incurred. For example, the same policy may have different maximum sums insured for Switzerland, other European countries, and the rest of the world.
Many offers have the same coverage for Switzerland and Europe, but some do not. Typically, maximum coverage for legal costs incurred in the rest of the world is much lower.
The maximum sums insured typically range between these coverage amounts:
Policies may also have individual maximum sums insured for specific coverages.
Coverage for legal consultation, for example, are normally much lower. Many policies only cover legal consultation up to 500 or 1500 francs per year.
Choosing a good lawyer is important in Switzerland. But many legal insurance providers limit the list of lawyers which you can choose from.
Many legal insurance providers let you request a specific lawyer, but reserve the right to turn down your request. If your choice of lawyer is rejected, you can propose three other lawyers from separate law firms. The insurance has to accept one of these.
Motorist legal insurance do not cover legal costs if you drive without a valid driver’s license. Driving under the influence of alcohol or drugs also excludes you from coverage.
Many motorist legal insurance policies also exclude legal costs associated with recovering a driver’s license.
Legal insurance offers from these Swiss insurance providers are included in the moneyland.ch legal insurance comparison: AXA, Basler, CAP (Allianz), Coop Rechtsschutz, Dextra, Emilia, Generali Fortuna, Groupe Mutuel, K-Tipp Rechtsschutz, Justis (CAP), Orion, Protekta, smile.direct, TCS, VCS.
