For a carefree life

Our legal protection modules at a glance

Our insurance guarantees you support in legal disputes and expert advice on legal issues. All modules can be combined flexibly and offer you precisely the legal protection you need for your life.

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Choose the exact legal protection modules that you actually need.

The various modules allow you to adapt your personal legal protection flexibly to your individual requirements for the best possible coverage. All modules can be taken out individually or in combination:

Home & Everyday

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

A carefree day-to-day life

The Home & Everyday module helps you with the following:

  • Tenancy law disputes with your landlord or landlady, 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 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.
  • Disputes arising from written loan, credit, and gifting agreements, e.g. if a friend you lent money to under a legally binding agreement refuses to pay back the loan.
  • 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.

 

You need to take out the Health & Personal Insurance module of our personal legal protection insurance to cover disputes in connection with illnesses and 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

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

 

You need to take out the Health & Personal Insurance module of our personal legal protection insurance to cover disputes in connection with illnesses and accident-related injuries.

Health & Personal Insurance

We’re your ideal partner for legal issues concerning sickness, medical malpractice, maternity, retirement or unemployment.

 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 cancelation of insurance benefits
  •  Compensation claims under the Victim Support Act
  • Disputes with hospitals and doctors over treatment
  • Disputes with Swiss child and adult protection agencies (KESBs)

 

 Work

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

 

Carefree at work

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:

  • Lawyer’s fees
  • Court costs and bailiff’s fees
  • Costs claimed by the other party where necessary
  • Mediation, advice, and representation costs
  • Arbitration costs
  • Access to legal tips and document templates

 

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

 

You need to take out the Health & Personal Insurance module of our personal legal protection insurance to cover 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 flat? 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)
  • 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

Taxes

We are one of only a few legal protection insurers in Switzerland that offer assistance in disputes with the Swiss tax authorities.

Pay your taxes without a care

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: 

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

 

Legal Advice PLUS: assistance in all areas of Swiss law 

This module is the ideal addition to your AXA-ARAG legal protection insurance. 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:

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

Over 140 AXA-ARAG legal experts are on hand to cover all specialist areas and offer professional advice in all areas of Swiss law. They answer your questions and give recommendations on how to proceed. 

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 lawyer’s fees or court costs.

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