smile.legal clever
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Standard coverage
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Covers Europe only
General
Europe-wide coverage. The legal protection insurance is provided by the Coop Legal Protection AG.
Within the scope of individual insurance: the policyholder. Within the scope of household insurance: the policyholder and those persons who live permanently with him in the same household. In addition: children in education and minor children of these persons who regularly return to his household as weekly residents.
Stamp taxes of 5 percent included.
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.
Cancellation by the insurance company possible: up to 1 month before the end of the year for the following year. After an insurance claim has been paid. If facts of danger have been concealed. In the event of intentional causation or fraudulent substantiation of the insurance claim.
Minimum contract duration: 1 year. The contract will automatically renew for another year unless termination notice is given 1 month in advance.
The insurance coverage will be granted if the legal case arose after a waiting period of 3 months after the commencement of the insurance.
Minimum amount in dispute: CHF 300.
Coverage by smile.legal clever.
Exclusions (examples): If the driver was not authorized to drive the vehicle. When acquiring or re-acquiring a driver’s license.
Legal advisory protection covering all other matters: up to a maximum of CHF 500 per year and incident (max. 1 case).
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