English

smile.legal premium

Premium coverage

General

General information:

Worldwide coverage. The legal protection insurance is provided by the Coop Legal Protection AG.

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 in the same household. In addition: children in education and minor children of these persons who regularly return to his household as weekly residents.

Coverage Switzerland:

CHF 300,000

Coverage Europe:

CHF 300,000

Coverage World:

CHF 30,000

Insurance rate (comments):

Stamp taxes of 5 percent included.

Personal legal protection - individual:

Not specified

Motor legal protection - individual:

CHF 115.00

Personal & motor legal protection - individual:

CHF 300.00

Personal legal protection - family:

Not specified

Motor legal protection - family:

CHF 145.00

Personal & motor legal protection - family:

CHF 350.00

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 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.

Contract duration:

Minimum contract duration: 1 year. The contract will automatically renew for another year unless termination notice is given 1 month in advance.

Waiting period:

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:

Minimum amount in dispute: CHF 300.

Personal legal expense coverage:

Civil damages law, Criminal law, Insurance law, Tenancy law, Property law, Labor law, Contract law, Neighbor law, Internet law, Real estate law, Public building law

Personal legal protection (comments):

Coverage by smile.legal premium.

Driver legal expense coverage:

Civil damages law, 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, Public building law, Tax law

Legal protection advisory (comments):

Legal advisory protection covering all other matters: up to a maximum of CHF 500 per year and incident (max. 1 case).

General coverage:

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