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JUSTIS Legal Protection

Standard coverage
Online insurance

General

General information:

Worldwide coverage.

Insured persons:

Within the scope of individual insurance: the policyholder. Within the scope of household insurance: the policyholder and those persons who living permanently with him/her in the same household. Additionally: children in education and minor children of these persons, even if they do not live in the same household.

Coverage Switzerland:

CHF 500,000

Coverage Europe:

CHF 150,000

Coverage World:

CHF 150,000

Insurance rate (comments):

Stamp taxes of 5 percent included.

Personal legal protection - individual:

CHF 162.00

Motor legal protection - individual:

Not specified

Personal & motor legal protection - individual:

CHF 209.40

Personal legal protection - family:

CHF 209.40

Motor legal protection - family:

Not specified

Personal & motor legal protection - family:

CHF 275.40

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:

Cancellation by the insurance company is possible: up to 30 days before the end of the contract. After an insured event has been settled. If dangerous facts have been concealed.

Contract duration:

Minimum contract duration: 1 month. Without cancellation 6 days before the contract expires, the contract renews monthly.

Waiting period:

Coverage for contractual disputes and social insurance disputes only applies 90 days after the policy is created.
The waiting period does not apply if the same risk was covered by another insurer until the start of the contract with JUSTIS.

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, Internet law, Real estate law

Personal legal protection (comments):

Special coverages: Property law, victim assistance, internet law and tax law.

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): 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, 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:

Covering the costs of mediation.
Loss of income: up to CHF 5000.
Coverage of travel expenses and translation in case of disputes abroad: 5000 Swiss francs.