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Legal protection insurance without a waiting period

Insured from day one

Insured just one day after conclusion
Coverage for court and legal costs
Experience from over 97,000 legal cases a year
Calculate your premium now
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With legal protection from AXA-ARAG, you can enjoy your everyday life with peace of mind:  We support you in disputes with neighbors, trouble with schools, or problems at work and protect you against financial risks if a minor argument turns into an expensive court case.

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Why does legal protection insurance without a waiting period make sense?

Legal protection insurance without a waiting period gives you peace of mind – because legal problems often arise unexpectedly: A neighborhood dispute escalates, a relationship breaks down unpleasantly, or a delivery is lost. With legal protection insurance that takes effect immediately, you get the support you need for future disputes and legal matters. However, many legal protection insurance policies provide for a waiting or qualifying period. We explain what this is and answer further questions here.

What does waiting or qualifying period mean?

Waiting period or qualifying period refers to a period after the start of the contract during which the insurance coverage does not yet apply for certain risks or benefits.

For legal protection insurance, this means that it only applies to legal issues and disputes that arise after the waiting period has expired. Once the qualifying period has expired, the full scope of insurance coverage applies to the insureds.

An example: You take out new legal protection insurance. Within the first three months, you have a tenancy dispute in connection with your existing rental agreement. In this case, legal protection insurance with a waiting period of three months would not cover the costs of this legal dispute.

Your additional advantages with  AXA-ARAG legal protection insurance

  1. Largest legal service in Switzerland with 180 lawyers and legal experts.

  2. Stellar reviews for our service: Our customers have given us 4.6 out of 5 stars.

  3. Over 45 years of experience and expertise in all legal areas.

AXA-ARAG’s legal protection insurance takes effect from day one

Only a few providers offer policyholders legal protection that takes effect immediately after the contract is concluded and includes full coverage. AXA-ARAG’s legal protection insurance with no waiting period is an exception: When you take out legal protection insurance with us, you enjoy full protection from day one. There is no qualifying period with AXA-ARAG: For us, the start of insurance means that you are insured from the desired date.

Another advantage of legal protection insurance from AXA-ARAG: You select and pay only for the modules you actually need. Plus, you benefit from attractive savings options:

  • Term discounts: If you opt for a longer contract term, you will receive a discount on your premiums.
  • Module discount: Combine several modules and secure additional benefits.
  • Deductible: Reduce your premiums by paying part of the costs yourself.

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Do you have a legal issue you need to take care of now?

A one-time phone consultation from MyRight is a quick solution for ongoing legal cases that cuts out the paperwork. The legal experts of AXA-ARAG will advise you on legal questions, recommend next steps in a legal dispute, and review your documents on request.

Frequently asked questions about legal protection insurance without a waiting period

Is AXA-ARAG legal protection insurance valid immediately?

With AXA-ARAG, you are insured from the day after you take out the policy. This means you can rely on rapid legal support for all future legal questions and disputes.

What modules does legal protection insurance include?

AXA-ARAG’s personal legal protection insurance is divided into various modules that can be combined with each other as desired, including:

Does legal protection insurance without a waiting period also help retroactively?

No, legal disputes that originated before the policy was taken out cannot be covered by AXA-ARAG’s legal protection insurance. The insurance only applies if the time at which rights or contracts were actually violated occurred during the insurance term.

What costs are paid by my legal protection insurance without a qualifying period?

Our legal protection insurance covers the costs of advice and representation by our legal service. If a case has to go to court, the insurance also covers the costs of external lawyers, the costs of proceedings before authorities and courts, as well as compensation to the other party in the event that you lose a court case.

Who is covered by legal protection insurance with immediate effect?

The following persons are covered by legal protection insurance:

  • You yourself
  • Your spouse
  • Your registered partner
  • Your children

However, other people who are registered at the same address and listed in the insurance contract also benefit from legal protection insurance without a waiting period.

More legal protection offers for you:

Legal tips on MyRight

On myright.ch, you’ll find lots of helpful tips, checklists, and document templates on topics such as family law, housing, the Internet, consumer affairs, etc.

To MyRight

One-time consultation for ongoing cases

A one-time phone consultation from MyRight is a quick solution for ongoing legal cases under family law that cuts out the paperwork. You can pay conveniently by credit card.

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Legal Advice PLUS

For CHF 99 a year, you get three hours of advice on all issues relating to Swiss law. We explain the legal situation and discuss your options as well as the risks and opportunities involved.

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Having the law on your side

Trouble with your employer? Or problems with the landlord? We will assist you with legal disputes, provide advice when you have questions about the law, and help you stand up for your rights.

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