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Experience from over 97,000 legal cases a year
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Decide which legal matters you want to insure
Key points at a glance
- What’s included? As Switzerland’s largest legal services provider, we will defend your rights and represent you in a court of law. We pay for the expenses arising from your legal disputes – expenses which can very quickly become overwhelming.
- How much do I have to pay? Our insurance starts at just CHF 150 per year – and you choose which legal matters you want your personal legal protection insurance to cover.
- Why do I need legal protection insurance? When life doesn’t go as planned, you may find yourself involved in a legal dispute. Legal protection insurance gives you immediate access to advice and help that is easy to access using WhatsApp, our chatbot, email or simply by picking up the phone.
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
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
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.
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
Personal legal protection: download all the information
Frequently asked questions about personal legal protection
What's the difference between legal advice and personal legal protection insurance?
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.
Is there a waiting or qualifying period for AXA-ARAG personal legal protection?
No, we don't impose a waiting period. With our legal protection insurance, you're covered from day one.
What's the difference between a pre-contractual event and a waiting period?
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.
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?".
Examples of legal cases
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.
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.
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.
Cyber insurance
Hacking, cyberbullying, data theft: our Cyber Plus insurance offers you and your children comprehensive protection against online risks and financial loss.
