The insurance coverage extends to the policyholder (in case of the individual insurance) or the policyholder and the family, spouse or cohabitee of the policyholder sharing the same household (in case of the family insurance).
Stamp taxes of 5 percent excluded.
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.
The insurer can terminate the contract: at the latest 3 months before the end of the contract or insurance year. After every insured event for which a claim is payable. If material risk factors have been concealed or falsely communicated.
Minimum contract duration: 1 year. The contract will automatically renew for another year unless termination notice is given 3 months 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.
No minimum amount in dispute.
Coverage by CAP privaLEX Private Legal Protection.
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 matters relating to family, tax and inheritance law up to a maximum of CHF 1500 per calendar year.
Costs of mediation covered (marital law: up to CHF 3,000).