1. Why would I even need legal protection insurance?
Any of us can become involved in a legal dispute that needs to be resolved, even if it's not our fault. The legal, court, and procedural fees can quickly add up and exceed our available funds.
That's where legal protection insurance can help. By paying a monthly or yearly premium, you can ensure that you won't be burdened with unaffordable legal costs if the worst happens.
In essence, it's a classic insurance product.
2. When does legal protection insurance
make sense?
Being legally right and successfully proving it in court are not the same thing, as any lawyer will tell you. This is why legal protection insurance is particularly important for those with limited budgets who may not be able to afford legal assistance to defend their rights.
Disputes can arise in various everyday situations, such as among neighbors, with employers, landlords, or in road traffic. And you never know when a situation might escalate into a legal case.
With legal protection insurance, you can have peace of mind knowing that you are covered in the event of a dispute.
3.What should I consider when choosing legal protection insurance?
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Who is covered - is it just you or also your partner and family members?
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Make sure you understand where the insurance applies - some policies may only cover you within Switzerland/Europe or worldwide, excluding the USA in some cases.
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Legal protection insurance doesn't cover everything, such as fines, intentional crimes, and divorce disputes.
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Look at the sum insured - this is the amount that the insurance will pay in case you need it. Although it may seem high, it's better to have more coverage in case you need to go to court and appeal a decision, which can cost hundreds of thousands of CHF.
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To make sure you're getting the best deal, compare several legal protection insurance offers before you choose one. This way, you can find the best coverage at a fair price.
We don't force you to get insurance, but do check if you need it 🙌
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