Does personal legal protection cover my whole family?

Yes, if you have named each family member on the policy and they all live at the same address (confirmation of home address required). The family includes: Policyholder Spouse or registered partner Cohabiting partner Children Lodgers and any other person named in the policy and registered at your address.

What costs are paid by personal legal protection insurance?

Court cases are often very costly. We pay for advice and representation by our in-house legal team an external lawyer proceedings before the courts and authorities compensation for the opposing party if you lose a court case expert opinions arbitration proceedings translations travel to attend court proceedings abroad loss of earnings collection of debts owed to you in connection with an insured legal case You can find a detailed list of all the costs we cover in our General Insurance Conditions (GIC) in part A under the heading "What is insured?".

Am I free to choose whichever lawyer I want?

Sometimes, but usually not. Our in-house lawyers and legal experts will support you with your legal cases, but it is occasionally necessary to bring in an external lawyer. In such cases, you have access to proven specialists from our global network. You are free to choose your own lawyer if you are about to enter legal or administrative proceedings or in the following cases: If your opposing party is an AXA Group company (other than AXA-ARAG) In legal cases where AXA-ARAG must also provide insurance coverage to your opposing party We reserve the right to refuse the legal counsel you choose. If this happens, you can suggest three further lawyers. They must not belong to the same law firm. We must accept one of these three. In all these cases, we cover the expenses within the scope of the coverage confirmation that was issued.

Personal legal protection, traffic legal protection or internet legal protection – how can I take these out with AXA-ARAG?

Our modular personal legal protection insurance is designed specifically for your needs and comprises six thematic insurance modules as well as one advisory module. You can choose whichever modules you want and combine them any way you like to create the legal protection you need. We recommend the following: For personal legal protection : Home & Everyday and Work modules. These cover you, for example, in legal disputes with your landlord or neighbor, problems with purchases made in shops or online, violations of your personality rights or trouble in the workplace. For traffic legal protection : Mobility & Travel and Health & Personal Insurance modules. These cover you, for example, in legal disputes relating to your car, traffic violations, travel contracts, traffic accidents, and personal injury. They also cover all kinds of disputes with insurers, social security authorities and pension funds. For combined protection : Home & Everyday, Work, Mobility & Travel, and Health & Personal Insurance modules. Your online legal protection : The Home & Everyday module covers you, for example, in disputes relating to goods bought online, intellectual property and violations of your personality rights. It also covers disputes with your landlord, mobile provider online shops and more.

Which legal cases does AXA-ARAG personal legal protection cover?

Depending on the product you choose, we advise and represent you in disputes under the following areas of law: Employment Tenancy Contract law Claims for compensation and for pain and suffering Personality rights Internet Road traffic Travel Insurance Family Animal Education Tax Child and adult protection Real estate Trademark, patent and copyright This list is not exhaustive. You can find a list of all the legal cases covered by each product in our General Insurance Conditions (GIC) from part B onward under the heading "What is insured?".

How do I report a legal case?

Contact us as soon as you need legal support. Have your policy number ready, together with all documents that are relevant to the case (e.g. contracts, correspondence, fine notices, summonses and rulings). Check any documents and rulings for deadlines that may apply (e.g. for appeals). Describe the events and the loss you suffered briefly and fully. Upload any relevant documents such as contracts, correspondence and rulings using the online form or send them to us by post. Online: Reporting a legal case online couldn't be simpler, and you can do it 24/7. To the form By phone : AXAjur – report your case directly to our legal experts: 0848 11 11 00 (Mon. - Fri. 8:00am - 6:00pm) By post: AXA-ARAG Legal Protection Affolternstrasse 42 P.O. Box 6944 8050 Zurich

Personal legal protection

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Need help buying insurance? Call us at 052 244 86 12

When life doesn’t go as planned, that’s when you need private legal protection insurance

Were you in the wrong place at the wrong time? Were you simply not paying enough attention? Or are you involved in a dispute that is not your fault? A legal problem can come at you faster than you can imagine – and cost you a huge amount of time and money. This is exactly why you should take out legal protection insurance before this happens to you. This way you can be prepared for any legal issues that crop up – or even if you just have a question about a legal matter.

Your advantages with AXA-ARAG legal protection insurance

Largest legal service in Switzerland with 180 lawyers and legal experts.
Stellar reviews for our service: Our customers have given us 4.6 out of 5 stars.
Over 45 years of experience and expertise in all legal areas.

Our personal legal protection insurance can help you in these situations:

Your employer terminates your position while you are out on sick leave.
You receive a debt collection notice for an invoice that you paid long ago.
You are involved in a car accident and the insurance of the other party involved refuses to pay.
Your landlord wants to raise the ancillary costs for your apartment.

Precisely in these and many other cases involving all the various aspects of life, we put our expertise to work for you. This way you don’t have to lose any sleep over potentially expensive lawyer fees or court costs.

Our benefits: Here’s why personal legal protection insurance is worth having

If we cannot come to an agreement with the other party, we will also assist you in court and pay for:

the court costs
the costs claimed by the other party, if necessary
the the costs for mediation, advice and representation in court
the costs for arbitration

Our services: Here’s how we help you

When you choose AXA-ARAG personal legal protection insurance, you are investing in a partner to stand by your side when life doesn’t go as expected. You can always rely on us to provide you with:

a quick response to your legal questions, even through WhatsApp or the chat function
personalized advice from our lawyers and legal experts
payments for your lawyer for a court case and any other related costs
help and tips even in matters not regarding legal issues
free access to legal tips and sample documents through the myRight online platform

Infographic on private legal protection insurance with combinable modules, benefits such as rapid assistance and advice as well as cost coverage.

Learn more about the individual modules here.

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

Our personal legal protection has you covered for all your legal problems and issues starting the day your insurance goes into effect. 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.

Flexible solutions for every situation life throws at you

Thanks to its modular structure, AXA-ARAG personal legal protection insurance has the flexibility to adapt to your individual needs, so you can be sure that you're fully covered in all areas and stages of your life.

Table shows recommended modules for personal legal protection insurance depending on life situation: single, couple/family, pensioner, retired couple.

Find out more now about our legal protection modules

Work: offers you comprehensive protection as an employee
Home & Everyday: protects you as a tenant, customer, pet owner or online shopper
Mobility & Travel: ideal for drivers, cyclists, pedestrians, and travelers
Partnership & Family: suitable for couples, families, and parents
Health & Personal Insurance: covers you as a driver, employee, retiree or parent
Taxes: supports you as a taxpayer
Legal Advice PLUS: the ideal supplement – legal advice on all issues relating to Swiss law

Work

Do you want to contest a bad reference letter? Have you been fired without notice? We're here to help you defend your workplace rights.

Carefree at work

With our insurance, you don't need to compromise when you have the law on your side.

The Work module covers the following cases, among others:

Disputes relating to the termination of your employment contract
Disputes with your employer relating to rules on working hours, overtime or vacation planning
Legal advice on ambiguities in your employment contract
Disputes relating to a reference letter you received
Disputes relating to contracts arising from your self-employment up to an annual revenue of CHF 36,000

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Supplementary coverage

The Supplementary Coverage for Executives option insures you in your role as managing director or executive board member. We'll be happy to provide detailed information on this product: request advice now.

Secondary self-employment with an annual revenue of more than CHF 36,000

If you are self-employed and earn over CHF 36,000 in annual revenue, we have the perfect legal protection solution for you: our compact comprehensive legal protection package for micro businesses.

Accidents and sickness

You need the Health & Personal Insurance module for disputes in connection with illnesses and accident-related injuries.

Home & Everyday

We help you defend your rights when you get involved in a dispute as a tenant, consumer or neighbor.

Carefree day-to-day life

The Home & Everyday module helps you with the following:

Tenancy law disputes with your landlord, e.g. if your apartment is scheduled for renovation and you want to contest the termination of your contract.
Objections to your immediate neighbors' construction projects, e.g. if you want to object to your neighbor's plan for an extension that would block your view.
Disputes with your neighbors, e.g. if a neighbor's hedge is too high and makes it harder for you to drive out of your garage.
Legal disputes with domestic staff in your capacity as an employer, e.g. if you want to fire your home help because she's always late.
Legal disputes with insurers, e.g. if your personal liability insurer refuses to cover damage to a parquet floor.
Legal disputes arising from written loan, credit or gifting agreements, e.g. if a friend you lent money to under a legally binding agreement refuses to pay you back.
Legal disputes in connection with violations of your legal personality rights, e.g. if someone you know has mentioned you by name in his blog and insulted you personally.
Disputes in connection with copyright violations, e.g. if you receive a claim for thousands of francs in compensation because your son has been regularly streaming music.

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You need the Health & Personal Insurance module of our personal legal protection insurance for disputes in connection with sickness or accident-related injuries.

Supplementary coverage for landlords: we help you with legal questions and disputes under tenancy law, for instance if your tenant offers your apartment on Airbnb without asking you first. Perhaps your tenant has bought a dog, even though her contract expressly forbids pets. We'll be happy to provide detailed information on this product. Request advice now.

Mobility & Travel

Did the "idyllic country hotel" you booked turn out to be a dive right next to a highway? Are you at risk of losing your driver's license? We can save you time, stress and money.

Carefree mobility

Whether you're on foot in Switzerland, riding a mountain bike in Patagonia or driving a car in France, we're here to help you stand up for your rights – worldwide.

The Mobility & Travel module protects you in the following cases, among others:

Disputes concerning your car, e.g. involving a purchase or leasing contract or a repair job
Disputes arising from vehicle rental contracts – in Switzerland and worldwide
Criminal proceedings and proceedings regarding the revocation of Swiss driver's licenses and vehicle registrations
Disputes arising from transportation, accommodation and package travel contracts
Disputes with vehicle and travel insurers

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You need the Health & Personal Insurance module for disputes in connection with illnesses and accident-related injuries.

Partnership & Family

We make sure that a legal dispute with social services, a custody battle or an inheritance dispute doesn't cost you a fortune.

Carefree family life

Does your child need dental braces, but your ex-husband isn't willing to share the cost? Do you want to separate from your partner but can't agree who gets to stay in the apartment? Disputes relating to family law are the most common kind in Switzerland, and they often end up in court – which can work out very expensive.

The Partnership & Family module insures you for the following cases, among others:

Disputes with Swiss child and adult protection agencies (KESBs)
Legal disputes with Swiss school authorities
Separation in cases of cohabitation, registered partnership or marriage under Swiss law
Disputes in connection with Swiss inheritance law
Contractual disputes with babysitters or daycare centers

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Health & Personal Insurance

Illness, medical malpractice, maternity, retirement or unemployment – regardless of your situation, we are the partner you can rely on.

Carefree well-being

Private individuals are often reluctant to take on hospitals, insurers or pension funds for fear of running up huge bills for expert opinions, lawyers and court costs. We offer you peace of mind by helping you defend your rights in these situations.

The Health & Personal Insurance module covers the following cases, among others:

Disputes relating to congenital defects
Reduction or cancellation of insurance benefits
Compensation claims under the Victim Support Act
Disputes with hospitals and doctors over your treatment
Disputes with Swiss child and adult protection agencies (KESBs)

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Taxes

We're among the few legal protection insurers in Switzerland that offer assistance in disputes with the Swiss tax authorities.

Carefree tax taxes payments

Has your tax advisor sent you a massively inflated bill? Or do you want to contest the Swiss tax authority's decision to increase the imputed rental value of your home? We can help you in cases like these.

Most laypeople find Swiss tax law baffling, and many get a headache just from filling out their yearly tax return. Our tax law specialists provide you with expert advice and help you defend your rights.

The Taxes module offers support with the following:

Legal questions about income or wealth taxes
Disputes with Swiss tax authorities regarding income tax and wealth taxes as a private individual

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Legal Advice PLUS

This module perfectly complements the other AXA-ARAG personal legal protection insurance modules.With Legal Advice PLUS, we offer you comprehensive expert advice in the areas not covered by your chosen modules as well as all areas of Swiss law not covered by legal protection insurance, such as your residence permit, self-employment or a major building conversion.

Legal Advice PLUS includes the following:

Analysis of your situation
Review of documents
Legal advice
Three hours of legal advice per insurance year

If you have taken out other modules, legal advice on the relevant subjects is insured under the respective module and not counted toward the three hours.

Unlike legal protection insurance, Legal Advice PLUS does not cover lawyers' fees or court costs.

Find out more now

Personal legal protection: download all the information

Frequently asked questions about personal legal protection

Legal advice is all about answering your questions on legal issues. We look at your case with you, provide recommendations for what to do next and clarify anything you're unsure about.

With personal legal protection insurance, in addition to providing legal advice, we actively support you in the event of a legal dispute by drafting documents, taking legal action and covering lawyers' fees and court costs.

No, we don't impose a waiting period. With our legal protection insurance, you're covered from day one.

Pre-contractual is the term used to describe a legal case or a legal dispute whose cause occurred already prior to taking out a legal protection insurance policy. This can occur, for example, when a person buys a product that some weeks later turns out to be defective. The buyer complains about the defect, but the seller refuses to help. The buyer now takes out legal protection insurance with the idea of getting assistance with this dispute. Because the purchase agreement for the product was signed before the buyer took out the legal protection insurance, this case is qualified as pre-contractual. So that is why this case is not insured.

The idea behind a waiting period (also known as a qualifying period) is primarily an attempt to exclude risks for the insurance company by agreeing to a waiting period of a specific number of months. In addition to the pre-contractual events, any other new legal cases that ensue are not yet insured during this period.

Our legal protection insurance policy does not have a waiting period. With us, you are insured against future legal cases as of the next day. But we do still exclude coverage for pre-contractual legal cases.

Yes, if you have named each family member on the policy and they all live at the same address (confirmation of home address required). The family includes:

Policyholder
Spouse or registered partner
Cohabiting partner
Children
Lodgers
and any other person named in the policy and registered at your address.

Court cases are often very costly. We pay for

advice and representation by our in-house legal team
an external lawyer
proceedings before the courts and authorities
compensation for the opposing party if you lose a court case
expert opinions
arbitration proceedings
translations
travel to attend court proceedings abroad
loss of earnings
collection of debts owed to you in connection with an insured legal case

You can find a detailed list of all the costs we cover in our General Insurance Conditions (GIC) in part A under the heading "What is insured?".

Download

General Insurance Conditions (GIC) [.pdf , 351KB]

Our modular legal protection insurance offers you worldwide coverage in most cases. Our General Insurance Conditions contain more information about insurance benefits and details of the coverage provided by the various modules. We would be happy to advise you personally to put together the right legal protection package for your needs.

No, cases that are already ongoing can't be insured. Insurance is taken out as a preventive measure. A legal case is covered if the triggering event and need for legal protection occur – and the case is reported – during the insurance term.

For existing legal cases, we recommend our one-time consultation by phone for as little as CHF 69 via myright.ch. Our legal experts will be happy to advise you on the next steps to take.

Sometimes, but usually not. Our in-house lawyers and legal experts will support you with your legal cases, but it is occasionally necessary to bring in an external lawyer.

In such cases, you have access to proven specialists from our global network. You are free to choose your own lawyer if you are about to enter legal or administrative proceedings or in the following cases:

If your opposing party is an AXA Group company (other than AXA-ARAG)
In legal cases where AXA-ARAG must also provide insurance coverage to your opposing party

We reserve the right to refuse the legal counsel you choose. If this happens, you can suggest three further lawyers. They must not belong to the same law firm. We must accept one of these three. In all these cases, we cover the expenses within the scope of the coverage confirmation that was issued.

Our modular personal legal protection insurance is designed specifically for your needs and comprises six thematic insurance modules as well as one advisory module. You can choose whichever modules you want and combine them any way you like to create the legal protection you need.

We recommend the following:

For personal legal protection: Home & Everyday and Work modules. These cover you, for example, in legal disputes with your landlord or neighbor, problems with purchases made in shops or online, violations of your personality rights or trouble in the workplace.
For traffic legal protection: Mobility & Travel and Health & Personal Insurance modules. These cover you, for example, in legal disputes relating to your car, traffic violations, travel contracts, traffic accidents, and personal injury. They also cover all kinds of disputes with insurers, social security authorities and pension funds.
For combined protection: Home & Everyday, Work, Mobility & Travel, and Health & Personal Insurance modules.
Your online legal protection: The Home & Everyday module covers you, for example, in disputes relating to goods bought online, intellectual property and violations of your personality rights. It also covers disputes with your landlord, mobile provider online shops and more.

Depending on the product you choose, we advise and represent you in disputes under the following areas of law:

Employment
Tenancy
Contract law
Claims for compensation and for pain and suffering
Personality rights
Internet
Road traffic
Travel
Insurance
Family
Animal
Education
Tax
Child and adult protection
Real estate
Trademark, patent and copyright

This list is not exhaustive. You can find a list of all the legal cases covered by each product in our General Insurance Conditions (GIC) from part B onward under the heading "What is insured?".

Download

General Insurance Conditions (GIC) [.pdf , 351KB]

The sum insured as stated in the policy is the maximum amount payable in all personal legal cases. A special maximum amount applies in some areas of law, which are listed in the GIC.

Contact us as soon as you need legal support.

Have your policy number ready, together with all documents that are relevant to the case (e.g. contracts, correspondence, fine notices, summonses and rulings).
Check any documents and rulings for deadlines that may apply (e.g. for appeals).
Describe the events and the loss you suffered briefly and fully.
Upload any relevant documents such as contracts, correspondence and rulings using the online form or send them to us by post.

Online:
Reporting a legal case online couldn't be simpler, and you can do it 24/7.
To the form

By phone:
AXAjur – report your case directly to our legal experts: 0848 11 11 00 (Mon. - Fri. 8:00am - 6:00pm)

By post:
AXA-ARAG Legal Protection
Affolternstrasse 42
P.O. Box 6944
8050 Zurich

Legal Advice PLUS entitles you to three hours of advice on any issues relating to Swiss law. If you have selected other modules, legal advice on the relevant subjects is insured under the respective module and not counted toward the three hours.

It is definitely worthwhile to take out legal protection insurance for young people. Young people don’t know, for example, what has to be taken into account legally and what they have to bear in mind when moving into their first apartment, buying their first car, starting their first job or changing jobs. The legal experts of AXA-ARAG explain legal issues in these cases and advise young people on the next steps to take.

Termination of employment

Marc receives notice of termination from his employer. Once the employment relationship has ended, Marc's former employer refuses to pay out his accrued overtime and vacation entitlement. He also receives evasive answers whenever he asks about a reference letter. Only when AXA-ARAG gets involved are the amounts due transferred and a positive reference letter provided.

Breakdown of costs
Marc's deductible CHF 0
AXA-ARAG benefits CHF 1,188.30

Flight cancellation

Andi and his partner Nina have booked themselves a dream vacation in the Maldives, but their connecting flight is canceled, and they miss out on a day's vacation and a night in a luxury hotel. The tour operator claims it's the airline's fault. Only after AXA-ARAG gets involved is the tour operator prepared to pay the couple immediate compensation of CHF 2,200.

Breakdown of costs CHF 587.50
AXA-ARAG advice CHF 587.50
Andi and Nina's deductible CHF 0
AXA-ARAG benefits CHF 587.50

Moving house

Isabel is moving out of her apartment at the end of the month, and she's worried that her landlady wants to deduct various costs from her deposit for supposed damage. She notifies AXA-ARAG about her concerns online, and a tenancy law expert calls her right away. Thanks to AXA-ARAG's preventive legal advice, Isabel now knows exactly what to look out for when handing over the apartment, so she doesn't have to worry about moving out.

Breakdown of costs
Saving due to defense against tenant damage claim CHF 2500
Rental deposit repaid CHF 2400
AXA-ARAG advice CHF 500
AXA-ARAG benefits CHF 5400

Legal protection starting at just 50 cents per day

*A premium of CHF 167.50 a year buys you the following AXA-ARAG Legal Protection Insurance modules that work together to protect your everyday life: Home & Everyday, Mobility & Travel, and Health & Personal Insurance. This offer is based on a deductible of CHF 0 for a one-year policy. The term of the policy must last for at least one year, subject to the provisions of the Insurance Contract Act.

Our legal protection insurance modules are designed to be combined in any way you wish. Each module can be taken out individually, and you can add others at any time.

Calculate premium now

More legal protection offers for you:

Legal tips on MyRight

reference letters, rental contracts, ancillary costs: on myright.ch, you'll find lots of helpful tips, checklists, and document templates to assist you in your day-to-day life and work.

To MyRight

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.

To Legal Advice PLUS

Cyber insurance

Hacking, cyberbullying, data theft: our Cyber Plus insurance offers you and your children comprehensive protection against online risks and financial loss.

To cyber insurance

Personal legal protection

Key points at a glance

When life doesn’t go as planned, that’s when you need private legal protection insurance

Your advantages with AXA-ARAG legal protection insurance

Our personal legal protection insurance can help you in these situations:

Our benefits: Here’s why personal legal protection insurance is worth having

Our services: Here’s how we help you

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

Flexible solutions for every situation life throws at you

Find out more now about our legal protection modules

Work

Carefree at work

Home & Everyday

Carefree day-to-day life

Mobility & Travel

Carefree mobility

Partnership & Family

Carefree family life

Health & Personal Insurance

Carefree well-being

Taxes

Carefree tax taxes payments

Legal Advice PLUS

Personal legal protection: download all the information

Frequently asked questions about personal legal protection

Download

Download

Examples of legal cases

Termination of employment

Flight cancellation

Moving house

Legal protection starting at just 50 cents per day

More legal protection offers for you:

Legal tips on MyRight

Legal Advice PLUS

Cyber insurance

Here's to good neighbors!