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-   -   Legal Insurance is it worth it. (https://www.englishforum.ch/insurance/105520-legal-insurance-worth.html)

locopsu 03.02.2011 10:10

Legal Insurance is it worth it.
 
We are moving to Basel April 1, we have a move consultant and insurance specialist through my wife's company who recommend legal insurance. We have never used a lawyer in our lives except for home sale, thought about it, but never pursued. Is this insurance worth the cost. Two options are offered

Private Law Protection Insurance 250000 SFr coverage

Traffic Law Protection Insurance 250000 SFr coverage

Legal Protection Insurance Combination of two above plus Worldwide legal protection same coverage as both above plus 50 k SFr for travel worldwide, at a 10 percent discount of the sum of above two.

Upthehatters2008 03.02.2011 10:11

Re: Legal Insurance is it worth it.
 
Quote:

Originally Posted by locopsu (Post 1090960)
...We have never used a lawyer in our lives except for home sale, thought about it, but never pursued. Is this insurance worth the cost.

What cost ? How much are you paying ??

03.02.2011 10:30

Re: Legal Insurance is it worth it.
 
There are so many things not covered that it really isn't worth it. (e.g. Divorce is not covered)

Also here all the legal costs are automatically awarded to the loser, so if you are certain of your case you can always start proceedings.

HollidayG 03.02.2011 10:40

Re: Legal Insurance is it worth it.
 
Quote:

Originally Posted by Ittigen (Post 1090993)
There are so many things not covered that it really isn't worth it. (e.g. Divorce is not covered)

Also here all the legal costs are automatically awarded to the loser, so if you are certain of your case you can always start proceedings.

I beg to differ on this. At one of my previous employers, I had a tiff with my manager. He then wrote me a very bad Leaving Certificate( Zeugnis ). This was 3.5 years of my life. No employer wanted to take me after that.

I paid an attorney to take this to court, and I had them write me a proper Work Certificate. This cost me almost 9000CHF to litigate.

Every time an attorney lifts a finger. It is 2000CHF+.

Legal insurance is definitely worth it.

03.02.2011 11:15

Re: Legal Insurance is it worth it.
 
neighbour dispute over 2 years long, more than 10k

for 100 francs or so a year.

Bar gain.

TiMow 03.02.2011 11:42

Re: Legal Insurance is it worth it.
 
It's like any insurance -- it's only worth it when you need it, but don't have it.
If the policy seems OK, and you can afford, then take it.

The "sue you" mentality is slowly heading this way.

RTN 03.02.2011 13:48

Re: Legal Insurance is it worth it.
 
Like all insurances it doesn't cover everything. You would be foolish not to take it here, anything legal is extreemly expensive and as an expat what happens at home is sometimes irrelavant here further confusing things. We have ours with Protecta and their advice over the telephone before it gets too involved has paid their premium many times over.

Verbier 03.02.2011 15:18

Re: Legal Insurance is it worth it.
 
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

miniMia 03.02.2011 15:50

Re: Legal Insurance is it worth it.
 
We always have the legal assistance option through TCS. It's very cheap. At this point I can't remember how much it was (+/-100F per year?). It is very much worth it. As others have said, getting a lawyer is expensive. We used it only once or twice. And it was so worth it if only for the peace of mind to know where you stand.

On the other hand I had to consult a lawyer once and it cost me 400F for the privilege of having the lawyer literally read the text from a book.... Um, yeah. I can do that...

NotAllThere 03.02.2011 17:24

Re: Legal Insurance is it worth it.
 
Definitely get it for traffic law. For private law... depends how much trouble you think you're likely to get into.

Nixi 03.02.2011 17:37

Re: Legal Insurance is it worth it.
 
You need to really read the small print closely. I looked at loads of policies and discovered that quite a few had fairly low limits of cover for certain areas eg. housing disputes. Given that you can hardly say "gruezi" to a lawyer without getting a huge bill (sorry to any lawyers reading this...) you don't want to find your cover running out in the middle of a court case.

AlreadyPacked 04.02.2011 09:18

Re: Legal Insurance is it worth it.
 
I think it's worth it, because you may never have to use it. Just telling people you have legal insurance makes some problems just go away. :D

zordan 04.02.2011 16:24

Re: Legal Insurance is it worth it.
 
For just a few francs a month it was very useful to me when I quit my job and wanted to know a few things. Well worth it in my view...

vvv 16.02.2011 16:07

Re: Legal Insurance is it worth it.
 
Quote:

Originally Posted by locopsu (Post 1090960)
We are moving to Basel April 1, we have a move consultant and insurance specialist through my wife's company who recommend legal insurance. We have never used a lawyer in our lives except for home sale, thought about it, but never pursued. Is this insurance worth the cost. Two options are offered

Private Law Protection Insurance 250000 SFr coverage

Traffic Law Protection Insurance 250000 SFr coverage

Legal Protection Insurance Combination of two above plus Worldwide legal protection same coverage as both above plus 50 k SFr for travel worldwide, at a 10 percent discount of the sum of above two.


It sounds pretty good, as I was being told that I couldn't get discount. I have someting similar, but I don't get discount, so I am paying 295 CHF per year for this. Rechtsschutzversicherung? Is this what we are talking about? Which insurance company are you using?

vvv 16.02.2011 16:11

Re: Legal Insurance is it worth it.
 
Quote:

Originally Posted by locopsu (Post 1090960)
We are moving to Basel April 1, we have a move consultant and insurance specialist through my wife's company who recommend legal insurance. We have never used a lawyer in our lives except for home sale, thought about it, but never pursued. Is this insurance worth the cost. Two options are offered

Private Law Protection Insurance 250000 SFr coverage

Traffic Law Protection Insurance 250000 SFr coverage

Legal Protection Insurance Combination of two above plus Worldwide legal protection same coverage as both above plus 50 k SFr for travel worldwide, at a 10 percent discount of the sum of above two.

Any by the way, it is good to have it as a foreigner, specially when your German is not perfect working... 20 CHF something a month makes you feel secured, for me it is.

Phil_MCR 16.02.2011 16:29

Re: Legal Insurance is it worth it.
 
get it. you'll be glad if you need it.

far_from_home 21.11.2011 23:18

Re: Legal Insurance is it worth it.
 
Quote:

Originally Posted by Phil_MCR (Post 1106384)
get it. you'll be glad if you need it.

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

HollidayG 21.11.2011 23:22

Re: Legal Insurance is it worth it.
 
Quote:

Originally Posted by far_from_home (Post 1413301)
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

We use CAP. They were quite helpful when I was in an auto accident.

Here is a link comparing most of the companies.

http://rechtsschutzversicherung-schweiz.ch/

Sbrinz 22.11.2011 00:25

Re: Legal Insurance is it worth it.
 
If you do choose this insurance be aware that most companies begin with a 3 month waiting period, during which time you cannot start a claim. This stops you rushing out for insurance just after you have been nicked for a serious crime.

Another point is that many insurance companies sign you up for a 10 year long insurance cover contract. TCS do not, but beware, and tell them to cancel this clause if you don't agree with it.

fatmanfilms 22.11.2011 01:40

Re: Legal Insurance is it worth it.
 
Quote:

Originally Posted by Sbrinz (Post 1413328)
This stops you rushing out for insurance just after you have been nicked for a serious crime.
.

I would be surprised if serious criminal activity is covered at all!


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