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Legal protection insurance

All-round cover – legal protection for any situation

A driver denies you the right of way. Your landlord refuses to repair the broken refrigerator. Your employer doesn't compensate you for the overtime you've worked. When an everyday dispute ends up in court, it can prove very costly. Thanks to legal protection insurance FORTUNA Top, you have nothing to worry about. We make sure that you get what's rightfully yours.

How you benefit

  • Comprehensive cover in Switzerland, in Europe and worldwide
  • Lawyers' fees and the costs of expert opinions and court proceedings are covered up to CHF 1,000,000 per case in Switzerland, up to CHF 500,000 in Europe and up to CHF 100,000 anywhere else in the world
  • No waiting periods
  • No deductible, no minimum dispute value
  • Fast, competent assistance from experienced legal experts and lawyers

FORTUNA Top - The all-round legal protection insurance that helps you assert your rights

For comprehensive legal protection, you can include personal or motorists' legal protection insurance under the FORTUNA Top insurance variant, or a combination of the two.

 

Personal legal protection insurance FORTUNA Top

Personal legal protection insurance Top provides comprehensive protection against everyday legal and financial risks in Switzerland, Europe and worldwide.

 

Example:

Mr Smith worked as a driver for a transport company. After a disagreement with his line manager, he was dismissed without notice. Thanks to Fortuna's intervention, Mr Smith's employer eventually paid him his salary and compensation in the amount of CHF 5,000 and gave him a good reference.

 

Motorists' legal protection insurance FORTUNA Top

Motorists' legal protection insurance Top ensures you have legal cover with you, no matter where you're driving.

 

Example:

Ms Miller is caught speeding. She faces a hefty fine and the suspension of her driver's licence. Fortuna checks whether the penalty is justified and manages to prevent her licence from being suspended.

 

Combined legal protection insurance FORTUNA Top

With a combination of personal legal protection insurance Top and motorists' legal protection insurance Top, you are always on the safe side, no matter where you are. You also benefit from a combination discount of CHF 20 per year.

 

FORTUNA Basic - Protection in selected branches of law

In addition, in selected branches of law, FORTUNA Basic product variants are available for minimal cover.

 

Legal protection insurance FORTUNA Basic

FORTUNA Basic legal protection insurance provides legal protection for selected branches of law related to daily life and is available in the form of personal legal protection insurance or motorists' legal protection insurance, or as a combination of the two. Coverage is limited to Switzerland.

 

Premiums

  Individual
in CHF
Family
in CHF
Personal legal protection insurance FORTUNA Top 215.- 270.-
Motorists' legal protection insurance FORTUNA Top 100.- 135.-
Combined legal protection insurance FORTUNA Top 295.- 385.-
Personal legal protection insurance FORTUNA Basic 145.- 180.-
Motorists' legal protection insurance FORTUNA Basic 80.- 105.-

Combined legal protection insurance FORTUNA Basic

205.- 265.-

Details at a glance

You can insure yourself as an individual or as a family. A family is defined as you, your spouse or partner and family members residing permanently in the same household.

FORTUNA Top insurance cover applies in Switzerland and the Principality of Liechtenstein, Europe and worldwide (excluding the USA and Canada).

 

Coverage under the FORTUNA Basic insurance variant is limited to Switzerland and the Principality of Liechtenstein.

If you have chosen the FORTUNA Top insurance variant, Fortuna will cover the costs of an insured legal case up to a total amount of CHF 1,000,000 per case in Switzerland, up to CHF 500,000 in Europe and up to CHF 100,000 anywhere else in the world.

 

If you have taken out the FORTUNA Basic insurance variant, Fortuna will cover the costs up to a total amount of CHF 250,000 per legal case.

  • Fast, competent assistance from experienced legal experts and lawyers
  • Assumption of the costs of lawyers' fees and the costs of expert opinions, mediation and court proceedings
  • Reimbursement of litigation costs to the other party
  • Advance of bail up to CHF 100,000 to avoid being remanded in custody
  • Travel and translation costs up to CHF 5,000 for court proceedings abroad
  • Legal information over the phone

Legal protection insurance FORTUNA Top*

Branches of law Personal legal protection
insurance Top
Motorists' legal protection
insurance Top
Maximum insured
amount in CHF
Civil damages law CH:    1,000,000.-
EU:       500,000.-
World:  100,000.-
Criminal law CH:    1,000,000.-
EU:       500,000.-
World:  100,000.-
Other contract law   CH:    1,000,000.-
EU:       500,000.-
World:  100,000.-
Vehicle contract law   CH:    1,000,000.-
EU:       500,000.-
World:  100,000.-
Travel law   CH:    1,000,000.-
EU:       500,000.-
World:  100,000.-
Victim support law CH:    1,000,000.-
Insurance law CH:    1,000,000.-
Property law CH:    1,000,000.-
Employment law   CH:    1,000,000.-
Tenancy law   CH:    1,000,000.-
Patient law   CH:    1,000,000.-
Licence suspension   CH:    1,000,000.-
Vehicle taxation   CH:    1,000,000.-
Neighbours' rights law   CH:         10,000.-
Internet law   CH:         10,000.-
EU:         10,000.-
World:     10,000.-
Association law   CH:         10,000.-
Personality rights   CH:           3,000.-
Inheritance law   CH:           3,000.-
Marital and divorce law   CH:           3,000.-
Copyright   CH:           3,000.-

Legal protection insurance FORTUNA Basic*

Branches of law Personal legal protection 
insurance Basic
Motorists' legal protection 
insurance Basic
Maximum insured 
amount in CHF
Civil damages law CH:    250,000.-
Criminal law CH:    250,000.-
Other contract law
(purchase, exchange, gift, loan and works agreements)
( ✔ )   CH:    250,000.-
Victim support law CH:    250,000.-
Insurance law
(excluding social insurance law)
( ✔ ) CH:    250,000.-
Employment law   CH:    250,000.-
Tenancy law   CH:    250,000.-
Licence suspension   CH:    250,000.-
Vehicle taxation   CH:    250,000.-

* Decisive are the General Policy Conditions 2016 (GPC 16)

Insurance cover begins 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.

Additional option