CAP privaLEX Legal Protection

  • Standard coverage


General information:

Worldwide coverage.

Insured persons:

Within the scope of individual insurance: the policyholder. Within the scope of household insurance: the policyholder and those persons who living permanently with him/her in the same household. Additionally: children in education and minor children of these persons, even if they do not live in the same household (up to the age of 29).

Coverage Switzerland:
CHF 750,000
Coverage Europe:
CHF 750,000
Coverage World:
CHF 150,000
Insurance rate (comments):

Stamp taxes of 5 percent included.

Personal legal protection - individual:
CHF 259.90
Motor legal protection - individual:
CHF 101.65
Personal & motor legal protection - individual:
CHF 330.95
Personal legal protection - family:
CHF 322.90
Motor legal protection - family:
CHF 153.60
Personal & motor legal protection - family:
CHF 393.00
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:

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.

Contract duration:

Minimum contract duration: 1 year. The contract will automatically renew for another year unless termination notice is given 3 months in advance.

Waiting period:

Waiting period depending on the legal area: None up to 1 year.
The waiting period does not apply in the case of prior insurance of the same risk and seamless transfer in terms of time, as well as for disputes arising from contracts concluded after the insurance contract came into force. 

Minimum amount in dispute:

No minimum amount in dispute.

Personal legal expense coverage:
Civil damages law, Assistance to victims, Criminal law, Insurance law, Tenancy law, Property law, Labor law, Contract law, Patient law
Personal legal protection (comments):

Coverage by CAP privaLEX Private Legal Protection. 
Special coverage: public personnel law and equality law.

Driver legal expense coverage:
Civil damages law, Assistance to victims, 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:
Family law, Inheritance law, Tax law
Legal protection advisory (comments):

Legal advisory protection covering matters relating to family, inheritance, tax and property law up to a maximum of CHF 1500 per calendar year.

General coverage:
Lawyers' fees, Travel expenses, Court fees, Counterparty's fees, Mediation, Expert reports, Penalty order
Additional services:

Costs of mediation covered (marital law: up to CHF 15,000). Translation and travelling expenses (legal case abroad): covered up to 6000 francs. Increase of the amount insured possible (Switzerland/Europe CHF 1,500,000 and World CHF 300,000).

Scope of services

Total scope
Personal legal protection
Motor legal protection
Scope of advisory services
Minimum amount in dispute
Waiting period
Choice of legal representation
Contract duration
Coverage Switzerland
Coverage Europe
Coverage World