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  #21  
Old 22.11.2011, 09:00
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Re: Legal Insurance is it worth it.

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Hiya,
Please can you suggest a few names/firms? I don't have a clue re how to search or get a quote.
I think I am now interested. Thanks
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
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  #22  
Old 22.11.2011, 21:15
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Re: Legal Insurance is it worth it.

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.
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  #23  
Old 23.11.2011, 16:03
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Re: Legal Insurance is it worth it.

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.
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  #24  
Old 24.11.2011, 12:57
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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.
As you won, your premiums would seem to have been wasted, as the looser would have had to pay the costs .
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  #25  
Old 24.11.2011, 13:03
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Re: Legal Insurance is it worth it.

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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.
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  #26  
Old 24.11.2011, 14:19
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Re: Legal Insurance is it worth it.

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As you won, your premiums would seem to have been wasted, as the looser would have had to pay the 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.
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  #27  
Old 24.11.2011, 14:22
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Re: Legal Insurance is it worth it.

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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.
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  #28  
Old 24.11.2011, 16:25
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Re: Legal Insurance is it worth it.

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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.
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  #29  
Old 25.11.2011, 09:09
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Re: Legal Insurance is it worth it.

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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.
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  #30  
Old 19.04.2013, 19:40
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Re: Legal Insurance is it worth it.

I'm a TCS Assurance Protection Juridique member and have to say that I'm thoroughly disappointed in the their service. You might as well save your money. I have found that TCS spends more time looking for excuses NOT to help me than to help.
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  #31  
Old 20.04.2013, 16:11
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Re: Legal Insurance is it worth it.

No insurance is worth it


Until you need it then it's worth it's weight in gold !
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  #32  
Old 21.04.2013, 14:08
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Re: Legal Insurance is it worth it.

I agree with you, that when an insurance company actually resolved an issue for you that it is worth it. Unfortunately, I have received nothing but excuses from TCS Assurance Protection Juridique, and they spend more effort looking for excuses NOT helping me then helping me. Can anyone suggest a better alternative ?
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  #33  
Old 06.06.2013, 08:51
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Re: Legal Insurance is it worth it.

This is an interesting thread.

There were so so many times I felt like my rights were violated in UK and every single time I was very close to suing the other party knowing that I had a good case. However, every single time I was discouraged because the fear of losing the case even if it was marginal. There's no point in having a law if you cannot exercise it, but most don't as it could be costly and cause a lot of hassle.

It gives me confidence that most posters have used this service and had a positive result. Therefore, I would be grateful if someone could kindly recommend (having used their service) a legal insurance (English speaking) that is excellent at covering all angles of employment litigation (I.e suing the employer), and I'm not that fussed about the premiums as long as the service is excellent, with small amount of waiting period until the insurance could be used.

I current have a car insurance with AXA Winterthur and was wondering if they have legal insurance that covers employment litigation.

Thank you for your help in advance.
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  #34  
Old 06.06.2013, 09:57
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Re: Legal Insurance is it worth it.

I have legal insurance through Winterthur/Axa. I've no idea whether it covers employment litigation, as that is of no interest to me.

However, when I first called, they had no problem finding me an English speaking agent to deal with. I suggest you give them a ring.
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  #35  
Old 06.06.2013, 10:17
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Re: Legal Insurance is it worth it.

I am with Coop Rechtschutz - they have been great. Even though I am in legal myself I prefer not to represent myself especially in areas that are not my expertise.

They organized an excellent lawyer and the case was won, I never even saw a bill from the lawyer and they really took care of everything.

I think legal insurance is definitely worth it, you can do everything right and still end up in a silly dispute that will cost time, money and energy.
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  #36  
Old 06.06.2013, 13:21
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Re: Legal Insurance is it worth it.

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I am with Coop Rechtschutz - they have been great. Even though I am in legal myself I prefer not to represent myself especially in areas that are not my expertise.

They organized an excellent lawyer and the case was won, I never even saw a bill from the lawyer and they really took care of everything.

I think legal insurance is definitely worth it, you can do everything right and still end up in a silly dispute that will cost time, money and energy.
Thanks guys for the info.

Was this case related to employment law and did they have English speaking rep? Also what was the average monthly premium?

As you're in the legal profession do you know of any good employment lawyer that you could recommend?
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  #37  
Old 06.06.2013, 14:04
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Re: Legal Insurance is it worth it.

Massively worth it, as I found out to my cost. My last employer went bankrupt in 2009, the case still isnt settled. I only found out about the rechtshutzversicherung after the event, so had to finance a case against them personally. Although it is winding down now, it has cost a fortune so far and I will be lucky to break even, as my costs will not be covered.
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  #38  
Old 06.06.2013, 17:31
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Re: Legal Insurance is it worth it.

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Therefore, I would be grateful if someone could kindly recommend (having used their service) a legal insurance (English speaking) that is excellent at covering all angles of employment litigation (I.e suing the employer), and I'm not that fussed about the premiums as long as the service is excellent, with small amount of waiting period until the insurance could be used.
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As you're in the legal profession do you know of any good employment lawyer that you could recommend?
So you already have a lawsuit in the making and are looking for cheap financing via an insurance which is financed by other customers' premiums. Nice.
I guess I will not recommend my legal insurance to you.
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  #39  
Old 06.06.2013, 17:41
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Re: Legal Insurance is it worth it.

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As you're in the legal profession do you know of any good employment lawyer that you could recommend?
The insurance would certainly not pay for an event(s)
that have already taken place.
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  #40  
Old 07.06.2013, 11:12
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Re: Legal Insurance is it worth it.

Who gave you the impression that I'm claiming based on passed events?

Nothing took place that would give rise to litigation but I want to be prepared if and when the time comes.
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