In the car, at home or at work, while living in Switzerland or abroad: legal trouble can happen anywhere. An everyday dispute can rapidly escalate into an expensive legal case. But thanks to comprehensive legal protection insurance, you can relax. You decide what coverage you need. We offer personal legal protection insurance, motorists’ legal protection insurance or a combination of the two. Legal experts and lawyers make sure you get what’s yours by right.
How you benefit
- Covered in more than 25 branches of law
- We cover lawyers’ fees, court fees and expert opinion and procedural costs up to a value of CHF 1 million in Switzerland and CHF 500,000 worldwide
- Enjoy immediate legal protection with no deductible and no minimum disputed sum
- Get free, personalised legal advice over the phone
- Benefit from comprehensive service and rapid assistance from legal experts and lawyers
Your landlord refuses to repair the broken refrigerator. You have given notice and your employer will not pay for the overtime you have worked. You are refused a hotel room although you reserved and paid for one in advance. Enjoy comprehensive protection against financial and legal risks in all relevant branches of law with personal legal protection insurance.
You are not satisfied with your car repair and want to take action against the garage owner. You are involved in a road accident because someone failed to give you right of way. You were speeding and got a huge fine. Our motorists’ legal protection insurance ensures you have legal cover with you.
Your neighbour is planning an extension that will block your view. You are a condominium owner who is unhappy with the cost allocation for renovating the building stairwell. Your new pergola has come loose and damaged your expensive new garden table. Insure your property with the Fortuna TOP personal legal protection insurance optional add-on for real estate or condominium owners with optional landlords’ legal protection.
Stay safe wherever you are with a combination of personal legal protection insurance and motorists’ legal protection insurance. Benefit from a combination discount of CHF 20 per year.
You can insure yourself as an individual or as a family. A family is defined as you, your spouse or partner and all persons residing permanently in the same household.
As much legal protection as your lifestyle requires
Do you mainly live in Switzerland or do you spend a lot of time abroad? Do you come into contact with many branches of law or do you only need basic protection? These two types of insurance provide perfect cover for your needs.
Fortuna BASIC – cover for the major aspects of everyday life:
- Covers the eight major branches of law in Switzerland
- Insured sum up to CHF 250,000
Fortuna TOP – worldwide protection:
- Covers more than 25 branches of law worldwide
- Insured sum up to CHF 1 million
- Option to include property legaI protection
Important questions
Insurance cover starts on the date stated in the policy, without any waiting period. Pre-existing cases or cases that began before the start of the insurance contract are not covered. TOP legal protection insurance cover is valid in Switzerland and the rest of the world. BASIC legal protection insurance cover is limited to Switzerland.
- Fast, expert assistance from experienced legal experts and lawyers
- Assumption of lawyers' fees, court costs and the costs of expert opinions, mediation and court proceedings
- Reimbursement of litigation costs to the other party
- Advance of bail to avoid being remanded in custody
- Costs of travel to court proceedings abroad
- Translation costs for court proceedings abroad
- Costs in the event of arrest (up to CHF 500)
- Free legal advice over the phone
Legal protection insurance FORTUNA Top* WITH WORLDWIDE COVER
| Branches of law | Personal legal protection insurance TOP |
Motorists' legal protection insurance TOP |
Maximum insured amount in CHF |
|---|---|---|---|
| Employment law | ✔ | CH: 1,000,000.– | |
| Licence suspension | ✔ | CH: 1,000,000.– | |
| Property law | ✔ | ✔ | CH: 1,000,000.– |
| Inheritance law | ✔ | CH: 5,000.– | |
| Vehicle taxation | ✔ | CH: 1,000,000.– | |
| Vehicle contract law | ✔ | CH: 1,000,000.– Rest of world: 500,000.– |
|
| Intellectual property law | ✔ | CH: 5,000.– | |
| Internet law | ✔ | CH: 100,000.– Rest of world: 50,000.– |
|
| Tenancy law | ✔ | CH: 1,000,000.– | |
| Neighbours' rights law | ✔ | CH: 100,000.– | |
| Victim support law | ✔ | ✔ | CH: 1,000,000.– |
| Patient law | ✔ | CH: 1,000,000.– | |
| Personality rights | ✔ | CH: 5,000.– | |
| Travel law | ✔ | CH: 1,000,000.– Rest of world: 500,000.– |
|
| Civil damages law | ✔ | ✔ | CH: 1,000,000.– Rest of world: 500,000.– |
| Divorce law | ✔ | CH: 5,000.– | |
| School law | ✔ | CH: 5,000.– | |
| Tax law | ✔ | CH: 5,000.– | |
| Criminal law | ✔ | ✔ | CH: 1,000,000.– Rest of world: 500,000.– |
| Animal law | ✔ | CH: 5,000.– | |
| Contract law | ✔ | CH: 1,000,000.– Rest of world: 500,000.– |
|
| Association law | ✔ | CH: 100,000.– | |
| Insurance law | ✔ | ✔ | CH: 1,000,000.– |
Legal protection insurance FORTUNA Basic* WITH SWISS-WIDE COVER
| Branches of law | Personal legal protection insurance BASIC |
Motorists' legal protection insurance BASIC |
Maximum insured amount in CHF |
|---|---|---|---|
| Employment law | ✔ | CH: 250,000.– | |
| Licence suspension | ✔ | CH: 250,000.– | |
| Vehicle taxation | ✔ | CH: 250,000.– | |
| Tenancy law | ✔ | CH: 250,000.– | |
| Victim support law | ✔ | ✔ | CH: 250,000.– |
| Civil damages law | ✔ | ✔ | CH: 250,000.– |
| Criminal law | ✔ | ✔ | CH: 250,000.– |
* Decisive are the General Policy Conditions (GPC) 2021
| Individual in CHF annually |
Family in CHF annually |
|
|---|---|---|
| Personal legal protection TOP | 225.– | 290.– |
| Motorists legal protection TOP | 90.– | 125.– |
| Combined legal protection TOP | 295.– | 395.– |
| Personal legal protection BASIC | 155.– | 190.– |
| Motorists legal protection BASIC | 70.– | 95.– |
|
Combined legal protection BASIC |
205.– | 265.– |