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Motorists’ legal protection

LEGAL PROTECTION FOR ROAD TRAFFIC INCIDENTS

The motorists’ legal protection module helps keep you safe when on the road. It provides comprehensive cover in disputes involving vehicles and road traffic incidents. This module can only be taken out as an optional extra to the Basic commercial legal protection module.

Fortuna motorists’ legal protection

 

Legal protection insurance for companies that use vehicles commercially

Motorists’ legal protection is suitable for companies that use vehicles commercially. It provides worldwide cover for disputes involving vehicles and road traffic incidents.

 

What is insured?

  • Disputes involving vehicles and road traffic incidents
  • Cover of up to CHF 1,000,000 per legal case for lawyers’ and court fees, expert opinions and other costs of proceedings

How you benefit

  • Ideal cover extension for companies that use vehicles commercially
  • No reduction in benefits for gross negligence
  • Cover of up to CHF 1,000,000 per legal case for lawyers’ and court fees, expert opinions and other costs of proceedings
  • Worldwide cover
  • No deductible, no minimum amount in dispute
  • Fast, competent help from experienced legal experts and lawyers

How motorists’ legal protection works

 

Real-life examples

Insurance law

Construction AG’s motor insurance refuses to pay out any benefits after a road traffic accident. Fortuna intervenes on the company’s behalf and proves that the insurance has an obligation to pay.

 

Ownership and property rights

Plaster AG sells its company car. A leasing company wrongfully claims that it retains title to the vehicle. Fortuna proves that Plaster AG had every right to sell the car.

 

Licence suspension

Heavy AG’s company car was found to be so overloaded that the employee in question was temporarily disqualified from driving. Fortuna stepped in and managed to get a significant reduction in the suspension period.

 

Vehicle taxation

Owing to an incorrect assessment, the heavy vehicle charge was too high. Fortuna intervened to correct the classification and thus lower the charge.

 

FAQS

Your cover begins after a waiting period of 60 days from the date the contract begins. The insurance covers legal cases that occur during the contract term and are reported to Fortuna during that period. When the contract comes to an end, the insurance is renewed automatically for one year at a time unless cancelled one month beforehand.

Motorists’ legal protection insurance has a maximum insured amount of CHF 1,000,000 per legal case in Switzerland and, if specified, CHF 500,000 in Europe and CHF 100,000 in the rest of the world.

Depending on the module and insured risk, cover applies in Switzerland, Europe and the rest of the world. 

Your company and the day-to-day operations of the co-insured companies and subsidiaries listed in your policy. 

The premium is based on your company’s operations, revenue, total payroll and number of employees.

Additional MODULES

We offer a range of modules that can be added to Basic commercial legal protection as optional extras. You are free to choose whichever modules your company most needs to extend its basic cover. In addition to motorists’ legal protection, the following insurance modules are available:

Supplements your basic insurance by providing extensive worldwide cover in contract disputes. For all companies wishing to protect themselves against the legal and financial risks that may arise in disputes with customers and suppliers.

For companies that frequently use the internet and are seeking worldwide cover for disputes involving breaches of privacy (cyberbullying), credit card and identity theft (cybercrime), and disputes over domain names.

For the owners and landlords of commercial premises who want to protect themselves in disputes involving properties, public planning laws and neighbours rights, or disputes with tenants as a landlord.

For companies that don’t want to handle debt collection themselves and would like to insure the collection of receivables. 15 credit assessments are included.

For companies wishing to obtain comprehensive, first-hand advice from a lawyer as their personal point-of-contact in all legal matters, regardless of what cover they hold.

Helpful documents