From my post above I suggest Assista (which is a division of the TCS).

I use ASSISTA from Touring Club Suisse (TCS).

I firmly believe that no expat should be in CH without legal insurance. You do not know the ins and outs of how things work here, and the language in most cases, therefore you have a very large potential to run into legal related problems. This is one of the cheapest insurances you will every pay should you need it !

They have a general legal insurance (Privée in French) and one for any driving related issues (Circulation in French) that are the most used. WELL worth the cost. Have used it in the past for landlord issues with rent increases.

Link German: http://www.tcs.ch/main/de/home/versi...htsschutz.html

Link French: http://www.tcs.ch/main/fr/home/versi...htsschutz.html

I agree, it is definitely worth it, especially for an ex-pat who is unfamiliar with the legal system here.

Like any insurance, it seems like a waste of money until you need it, and then you are totally relieved that you have it.

We use CAP, and I had 2 court cases last year - saving legal costs of CHF 12,000. We won both cases hands down.

I personally think it's worth it. Your annual premium would probably equate to an hour with a Swiss lawyer so it's definitely worth it.

Another point - you should read the general terms and conditions before signing. They always list the exceptions. If it's not in the exceptions - it's covered.

If you're not a driver, then you can still take the traffic part as it would cover you as a pedestrian although granted, the likelihood of needing it is lower.
It's an option though.

You should be paying around 240.- p.a. as an individual or 300.- p.a. for a family.

The majority of companies will cover you up to 250K though some go up to 300K.

As you won, your premiums would seem to have been wasted, as the looser would have had to pay the costs .

Not entirely, in my case I was only awarded a fraction of the legal
costs.

It depends where it took place. If it was in the Prud'Hommes, cantonal tribunal or federal tribunal.
If it was Prud'Hommes (which it may have been as it was under 30K), then you have to pay for your lawyer yourself regardless of the outcome.

This was my case, but they awarded me a small sum for attorney's
fees.

Nice! I am currently in the middle of a big Prud'Hommes case with my ex-employer so if they give me something towards the costs, I'll be more than happy. I doubt they will though.

My case was appealed to the highest court in Switzerland and only
at that level did they award me attorney's fees.