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Old 03.02.2011, 10:10
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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.
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Old 03.02.2011, 10:11
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Re: Legal Insurance is it worth it.

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...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 ??
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  #3  
Old 03.02.2011, 10:30
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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.
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Old 03.02.2011, 10:40
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Re: Legal Insurance is it worth it.

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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.
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  #5  
Old 03.02.2011, 11:15
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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.
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Old 03.02.2011, 11:42
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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.
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Old 04.02.2011, 16:24
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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...
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Old 16.02.2011, 16:07
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Re: Legal Insurance is it worth it.

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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?
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Old 16.02.2011, 16:11
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Re: Legal Insurance is it worth it.

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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.
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Old 16.02.2011, 16:29
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Re: Legal Insurance is it worth it.

get it. you'll be glad if you need it.
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Old 21.11.2011, 23:18
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Re: Legal Insurance is it worth it.

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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
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Old 21.11.2011, 23:22
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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
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/
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Old 22.11.2011, 00:25
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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.
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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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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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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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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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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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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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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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