Purchase advice: 052 244 86 00
Whether it's a car accident, problems at work or faulty goods bought online, you can quickly become involved in a legal dispute through no fault of your own. Our personal legal protection supports you in legal matters and disputes and protects you against financial risks if your case ends up in court.
Legal disputes can arise anywhere and at any time. That's why we offer personal legal protection insurance. You can choose exactly which areas you want to cover, from mobility and travel to your work or your partnership.
The following benefits apply to all combinations of modules:
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. Find out more about our legal protection modules .
The Home & Everyday module helps you with the following:
You need to take out the Health & Personal Insurance module of our personal legal protection insurance to cover disputes in connection with sickness or accident-related injuries.
Supplementary coverage for landlords and landladies: 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.
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:
You need to take out the Health & Personal Insurance module to cover disputes in connection with sickness or accident-related injuries.
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:
Lots of people give in to their employer in disputes under employment law because they worry that they'll get fired and not be able to find a new job. With our insurance, however, you don't have to compromise when you've got the law on your side.
The "Work" module covers the following cases, among others:
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
Even if your self-employment brings in revenue of more than CHF 36,000 a year, we can offer you the ideal legal protection solution with our all-inclusive package for the smallest businesses.
Accidents and sickness
You need to take out the Health & Personal Insurance module to cover disputes in connection with sickness or accident-related injuries.
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:
Has your tax advisor sent you a massively inflated bill? Do you want to contest the 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:
This module perfectly complements the other AXA-ARAG legal 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 normally covered by legal protection insurance, such as your residence permit, self-employment or a major building conversion.
Legal Advice PLUS includes the following:
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.
A one-off phone consultation from MyRight is a quick solution that cuts out the paperwork.
AXA-ARAG's experts will advise you on legal matters, recommend what to do next, and check through your documents on request. You can simply pay with your credit card or receive a bill.
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.
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:
No, we don't impose a waiting period. With our legal protection insurance, you're covered from day one.
We assume the cost of
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?".
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 with a view to putting 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 lawyer network. You are free to choose your own lawyer if you are about to enter legal or administrative proceedings or in the following cases:
We reserve the right to reject your chosen lawyer. 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 costs 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:
Depending on the product you choose, we advise and represent you in disputes under the following areas of law:
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?".
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.
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.
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 Zürich
Legal Advice PLUS entitles you to three hours of advice on all 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 own 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.
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.
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 testimonial. Only when AXA-ARAG gets involved are the amounts due transferred and a positive testimonial provided.
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.
Testimonials, rental contracts, ancillary costs: on myright.ch, you'll find lots of helpful tips, checklists, and document templates to help you in your day-to-day life and work.
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.
Hacking, cyberbullying, data theft: our Cyber Plus insurance offers you and your children comprehensive protection against online risks and financial loss.