Expatriates  insurance information in Switzerland

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All about insurance

 

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Switzerland is a federal country and we have federal laws as well as cantonal laws. Insurance is subject to federal law but some companies have different coverage for different canton. (e.g. Geneva give a tax deduction on 3b).

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Your Legal Advisor

 

Insurance Terminology GLOSSARY click here...

 

If you have a legal problem what are you choices?

You can contact a lawyer or your Legal protection insurance company.

 

  • Legal protection insurance

The Legal protection insurance covers legal expenses. There are products for private legal protection, motor legal protection and a combination of the two.


Example of coverage...

 

Understand the Swiss and the French vocabulary for your insurance

 

French

English

Protection juridique

 

Legal protection

 

  • Assurance protection Juridique
  • Protection Juridique de circulation
  • Protection Juridique Privé
  • Responsabilté civile de particulier
  

 

Feel free to contact us with your queries..

 

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  • Legal protection insurance:

Legal protection insurance protects a policyholder against damages (financial costs) resulting from having recourse to legal assistance. Legal protection insurance benefits take the form of services or indemnities. Distinction is often made between private legal protection insurance and motor legal protection that concerned with traffic offences and professional insurance. (Ex of coverage click here)

  • Motor legal protection insurance

Motor legal protection insurance covers legal costs for conflicts with insurance companies, injuring parties (eg. person who caused the accident), contractual partners or criminal and administrative proceedings which result from traffic incidents.

  • Private legal protection insurance

Private legal protection covers the cost of legal proceedings pertaining to contractual conflicts, especially purchase, rental, works, loan and employment contracts.

Legal costs in case of divorce, inheritance conflicts, building processes, tax and most cases of criminal proceedings are not covered.

 

  • Private third-party insurance:

Private third-party insurance protects an insured person against any claims that might be made against him through legal measures in the matter of third-party liability. The insured person is covered as a private person, head of a household, dog owner, tenant of a flat, soldier, sportsman and so on. Excluded are damages caused by the insured person as the driver or user of a motor vehicle or in the context of some occupational activity..

 

Example of coverage in Private and motor legal protection:

Disagrements:

  • In an accident;
  • With your mechanic;
  • With your neighbours;
  • With your Land lord;
  • With your employer;
  • With a Loan;
  • Purchasing a car, a property, etc...

 

Example of no coverage in Private and motor legal protection:

  • Legal costs in case of divorce,
  • Inheritance conflicts,
  • Building processes,
  • Tax,
  • Most cases of criminal proceedings etc...

 

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