K-Tipp Legal Protection

  • Standard coverage

  • Legal protection insurance from K-Tipp

  • Out-of-court interventions


General information:

Legal protection provided by the K-Tipp group.

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 25).

Coverage Switzerland:
CHF 600,000
Coverage Europe:
CHF 150,000
Coverage World:
CHF 150,000
Insurance rate (comments):

Stamp taxes of 5 percent included.

Personal legal protection - individual:
CHF 225.00
Motor legal protection - individual:
CHF 65.00
Personal & motor legal protection - individual:
CHF 260.00
Personal legal protection - family:
CHF 260.00
Motor legal protection - family:
CHF 85.00
Personal & motor legal protection - family:
CHF 325.00
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 1 month before the end of the contract or insurance year. After every insured event for which a claim is payable.

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:

A waiting period of 90 days applies to contractual disputes, 12 months to disputes with the disability insurance.
The waiting period does not apply if the same risk was covered by another insurer until the start of the contract with K-Tipp Rechtsschutz AG.

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, Labor law, Contract law, Patient law, Neighbor law, Real estate law
Personal legal protection (comments):

Special coverages: victim support; tax law; social insurance law; real estate law. A premium mark-up applies to real estate law coverage.

Also insured are all legal disputes under Swiss law up to an amount in dispute of CHF 10,000, where representation vis-à-vis the opposing party is possible by in-house lawyers of K-Tipp Rechtsschutz.

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. Disputes that involve drugs or alcohol. 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):

Unlimited telephone consultation by the internal consultation service in the other areas of law. Writing assistance.

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

Legal coverage for homeowners can be added for an additional 30 francs per year. Special services include: debt collection cost coverage (outside Switzerland maximum CHF 5000), translation costs, cash advances for bails in the case of criminal negligence. 

An out-of-court intervention with the other party, even if there is no dispute yet. This includes, among other things, the examination and explanation of the legal situation, the study of the file and the drafting and sending of the intervention letter.

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